milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2017 about Debt collection (Private student loan debt) with Allied Interstate LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven tha t   XXXX   XXXX   is  using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now   XXXX   XXXX   play a musical chair approach by seeing if another debt collector name d Allied Interstate, LLC wi ll try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jers ey. Allied Interstate, LLC is not  bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and Allied Interstate LLC has no authority from any federal agency to collect on behalf of the taxpayers of the United States. Allied Interstate LLC is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY ALLIED INTERSTATE LLC.   ALLIED INTERSTATE LLC IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES AC T 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST ALLIED INTERSTATE LLC ILLEGAL COLLECTION PRACTICES!!!   ALLIED INTERSTATE LLC MUST PURGE MY FILE PERMANENTLY!!!

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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (RI).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I made a purchase for plane tickets in   XX/XX/XXXX    . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card.  Barclaycard  referred me to  XX/XX/XXXX . When speaking to    XX/XX/XXXX they told me that prior to   XX/XX/XXXX     they did not handle claims against this card, so they referred me to  XXXX  : A  XXXX   XXXX . I submitted all necessary documents to  XXXX  who then denied the claim based on the reason that "  Terrorist Action  is not covered ''. I called them and sent them screenshots from the  Barclay Card  website showing them that indeed  Terrorist Action  is listed as a covered reason. The case was reopened, and after weeks of back and forth communication,  XXXX  sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to  XXXX  again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to  XXXX . I have not contacted  XXXX  again but will be and will also be closing my account with  XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels.  <P/> I have all of the necessary documentation detailing the above, including written correspondence with  XXXX , screenshots from the  XXXX  website, all necessary receipts etc. I can provide if necessary.

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 12-04-2015 about Debt collection (Medical) with Accredited Collection Service, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A JUDGMENT WAS ISSUED FOR THE DEBT, BUT THE COLLECTION COMPANY HAS NOT BEEN ABLE TO VERIFY THAT IT WAS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: So XXXX is reporting negatively on my credit report. Got in contact with TransUnion and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX. on XX/XX/2016 they finally responded on XX/XX/2016 stating that they need a few more days. Today XX/XX/2016 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per Section 611. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Today I had an appointment at the Santander bank on XXXX XXXX NJ to transfer over my XXXX XXXX account. We had an appointment for XXXX so XXXX XXXX told us the guy that handles this told her that he was still in the XXXX office and will be late. We waited over an hour for him to come. When he came he decided to help another customer instead that had an appointment at XXXX. I knew he had an appointment for XXXX because I heard XXXX talking about it. When he finally came to talk to us, he said that XXXX told me why we were here and all he his to do is open a new account. I then told him that I noticed what he did and he took that other appointment before us and he said " And your point is '' I asked him if this is how he does business and he ignored me and said " so do you want to open this account ''. He was very unprofessional and did n't bother to discuss the details of our transcation. I then processed to tell him, that you just came in here and did n't discuss anything with us and now your telling me all I have to do is open a new account. I believe this was horrible customer service and for this reason, I walked out of the bank without anything resolved. I am now considering going to another bank because this was horrible.

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 11/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due. 
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account. 
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax. 
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check. 
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX. 
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded. 
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: My son suffered a XXXX in 2013 and I had to take him to XXXX Colorado for treatment. While I was there my ( now ex-wife ) who is not my sons Mother decided to divorce me seeing my son XXXX as a potential drain on retirement. She cleaned out all the cash and locked me out of every credit card and bank account we had. 

Citibank was among those cards where we shared a joint account. I was equally responsible for the debt and enjoyed full card privileges. I used that card to cover reimbursable expenses while my son and I were in XXXX ( XXXX transferred him after a long fight ). When I arrived home with my son who could speak again ( See : XXXX for the result ), What my ex-spouse and her attorney sister had figured out you could do to another consumer using privacy laws was as amazing as it was devastating. I lost my home, all my savings, tens of thousands of my son 's recovery money was gone. All of it protected by privacy laws. I was eventually driven into bankruptcy defaulting on my own lenders needlessly, my son 's miraculously successful rehabilitation terminated, and I was forced to sell my home. 2 years later I still can not even get Citibank to release my statements from 2013 citing privacy laws. Those are my own financial records too. I need those statements to get food and lodging and other expenses reimbursed and Citi refuses to release them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. 

Thank you 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 05/27/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 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: Old information reappears or never goes away

Complaint: I have called and mailed XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX regarding this account on 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 explanation
Consumer complaint received 02-01-2018 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear CFPB, In XX/XX/2010, I received a supplemental loan modification document from XXXX dated XX/XX/2010. XXXX has since went out of business leaving my loan in the hands of Specialized Loan Servicing. I have tried tirelessly on numerous occasions to resolve this matter with SLS. I have spoken with SLS Senior Counsel, XXXX XXXX who has treated me both unfair and in a very discriminatory manner. XXXX XXXX has belittled me and have hung up on me whenever I try to understand WHY SLS is not honoring the Supplemental Modification Document from XXXX. SLS continuous demand for collection of the incorrect amount is forcing me into a financial crisis. Please see the Supplemental Modification Document attached. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: Hello I am reaching out because I have lost my car, home, and I 'm losing my health due to me not being able to purchase my medication. I 've been banking with Chase since XX/XX/XXXX and have been receiving my same deposits with no change being made, but as of recently someone restricted my account due to what I believe was a error of {$1200.00} through some type of remote deposit. I spoke with Chase and told them that had to be a error and the payment would be resent via direct deposit and they said okay but my account would remain restricted. I waited on my next deposits to come in and they were on time to meet my bills, but Chase said they decided to close my account so I said cool just give me my funds. I updated my direct deposit with my employer so no other funds would come to that account but {$23000.00} of my dollars still managed to go that account and here is where the problem begin. I was told my account was restricted and that a thorough review are done over each transaction going in and coming out so I had a ACH come in my account that was looked at carefully before being accepted. Chase took the {$1200.00} dollars that I owed them and said they are not giving me my funds because they are in my publishing and stage name instead of my government name but it 's been that way since I opened my account. I did everything I was asked to do from the back office to the branch but I ca n't seem to get chase to understand the illegal part of holding my funds for no reason so I spoke with my employers and they said well if Chase had a problem with the deposit why did n't they just send it back to us to reissue it and I told them what the XXXX told me which was it 's to late to recall the money once it 's in the account and it confused me and my employer for a XXXX to say if some money is incorrectly sent to a bank account it ca n't be recalled I 'm sorry but I 'm lost and had no other choice but to reach out to you or file a lawsuit and discrimination claim against these chase executives please assist me with this matter if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (MD).
Issue: Managing the loan or lease

Complaint: I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Last week, I deposited a check that someone had endorsed over to me. I then withdrew an amount of cash from an ATM. USAA immediately put my account " under review '' and never told me. I did n't receive a call or an email. I logged in that night and my account balance was " unavailable ''. I called and was told it was a " back office '' review and the customer service representative could n't tell me anything for 3 business days. I called back after 3 business days and they still could n't tell me anything. A manager said they would fast track the review and I would hear from someone within 24 hours. That was over 48 hours ago. No one can tell me why this happened or how to resolve it. I do n't even know why it was put under review. I just want my money back so I can move to another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a lien that shows up on XXXX, Transunion that has been paid for. 

All old deby from XXXX is paid as well but shows on transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have asked Transunion several times to remove inquiries off my credit report. I did not make or authorize these  XXXX  inquiries. I would like these inquiries to be removed immediately.   XXXX     XXXX   XXXX  - XXXX -16   XXXX   XXXX    XXXX -16   XXXX   XXXX    XXXX -16   XXXX     XXXX -16  XXXX   XXXX -16

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