milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have NOT authorized any credit inquiries for several months yet there are XXXX new credit inquiries on my credit report. I dispute authorizing any credit inquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with Capital One in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by Capital One stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, XXXX XXXX collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping XXXX XXXX from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this Capital One debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently in the middle of changes, and getting a good full time position, as well as making a move. I feel my student loans hanging over me, and I have a lot to figure out. I know there are many in circumstances possibly related. My issue is XXXX related and finances to repay monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have been attempting to rectify the situation with Bank of America by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Bank of America allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a " courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either " courteously '' paid or for bank fees that were assessed to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Home equity loan or line of credit) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC with BBVA Compass Bank. This morning I phoned my branch to inquire as to why my automatic payment that was due on XXXX had not been taken out of my account. The person I spoke to could not answer my question and informed me that my branch did not have a manager. I called the main number to the bank and after being on hold for more than 20 minutes I spoke to a manager named XXXX # XXXX. He informed me that because I made a principle payment in XX/XX/XXXX, the bacnk takes that money and applies it to my XX/XX/XXXX payment and does not take out an automatic payment when one is due. That means that the bank continues to charge me interest for an additional month. In my opinion that is just plain stealing. I set this account up so that the payment would be taken out automatically and I could make additional payments when I could afford it. I have XXXX children in college and I work XXXX jobs just to try to stay ahead and then I find out that the bank is stealing from me and probabley XXXX other customers because no one told them how to avoid this issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio recovery associates has not answered a debt validation verification letter i submitted a month ago. Portfolio recovery associates refuses to remove a debt that is not mine and is a time barred debt according to the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had a lot of medical bills in the last few years, so decided to apply for for a loan to pay down some high interest credit cards. I have n't bought anything expensive in years, so had never checked my credit report. The first item on my TransUnion report was for a XXXX XXXX account that was n't mine! Someone opened an account in XXXX and had paid well until three months in XX/XX/XXXX. I have NEVER had a XXXX XXXX card nor have I ever applied for one. I have always paid my billsand have never gone over my credit limit. I submitted a Dispute Resolution to TransssU Union ( it is still in the works ), so they immediately hit my credit score for XXXX points! This is not right! I think credit reporting companies have way too much power to ruin people 's credit. I love the way they offer {$20.00} per month credit monitoring services! Can we say c conflict of interest? Why should applying for loans negatively affect your score? I put my middle name on the Dispute document so I suppose I got docked XXXX points for that? That is absurd!

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 11-01-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax requests unnecessary information to delete an invalid address ( address must have been entered incorrectly years ago and added to my report ). Equifax can check with the town and US post office to verify the non-existence of the address. Sending in my license, utility bill, etc. that only shows my current address is irrelevant. TransUniion does not require the information to process my request to remove the invalid address associated with my account - why does Equifax? Deleting an old address should be instant. Especially in cases where the address is invalid or necessary for the protection of the person ( s ) requesting the deletion. No proof beyond what is required to view one 's credit report should be required.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i received a bill from portfolio recovery associates , llc, i contacted them, was told because i gave them no information that they would report i verified this debt.i then sent portfolio three certified letters asking them to verify the debt, to send me proof that i entered into an agreement with them and for how much they purchased my charged off account for and to cease reporting negatively to the credit agencies.was sent papers by portfolio from the original creditors but nothing from them and when i called to ask why was n't anything given was told to file a dispute again at which time i informed them i would not that they had more then enough time to respond to my request and that ill be filing a complaint against them, i was hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with 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 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX/XXXX/XXXX I attempemted to purchase batteries at my local XXXX XXXX ( XXXX # XXXX ) in XXXX, CA [ XXXX ] at XXXX am using my CAPITAL ONE XXXX ending XXXX for a total of {$2.00}. I tried a second time at XXXX. Both times the receipt said " DENIED BY ISSUER ''. I ended up paying cash. 
When I got home later that day, I attempted to access my online online account to see what was going on. They made me change my password. Afterwards, I still could not access my account. 
So I decided to phone 24-Hour Customer Service at XXXX. I am XXXX and in a XXXX. I have great difficulty with automated systems. I was struggling to get alive operator when the automated system told me to say " representative '', which I did repeatedly. Around XXXX XXXX, a voice responded identifing itself as " XXXX ''. He asked me if I had my card and a number from it. He then hung-up. So Capital One refused to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have about 13 private student loans with XXXX ( Currently, Navient ). Back in XXXX XXXX advised me that in order to get on a payment plan I needed to default on my student loan before they would offer me a lower payment. I was willing to pay what I could. At the time I was single and making {$10.00} an hour. They were asking me for {$1300.00} a month for student loans, I said I would pay something more reasonable but that was more than I was bringing home bi-weekly. So I started off by paying what I could after living expenses. 
They ordered me to default for 3 months and then call back to get on a payment plan. Which has ruined my life. They reported this to the credit reporting agencies and this has ruined my chances of becoming a first-time home buyer. After allowing me on a reduction rate plan, even after making my payments on-time for consecutive three months, they still reported me as delinquent to the credit reporting agencies. 

Being on the repayment plan I have made all my payments on-time for the past 4 years but due to the negative reports in XXXX and XXXX I am unable to purchase a home or anything because it appears that my credit is still suffering from those delinquent reports. While on the repayment plan I also discovered that they were charging me a late fee some months and inaccurately reporting to the credit bureaus. 

All of my student loan accounts were on the same payment plans and on my credit report they all reflect different delinquency dates. I reached out to Navient regarding this matter a year ago and they still did not correct the errors on my accounts with each and every credit bureau that they falsely reported information to. When I first started the re-payment program their automated dialer was calling me for weeks even after I had spoken to agents insuring all my loans were on the payment plan. The automated system called me for weeks saying I was behind on my payments, in which I was current and enrolled in their rate reduction plan. This has caused me so much grief and distress, trying to get them to report my information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with KEYCORP (NV).
Issue: Managing the loan or lease

Complaint: on XXXX/XXXX/2013 I made a {$20000.00} payment to Ket Bank against my principle balance. After making the payment I confirm by phone with Key Bank that the payment would be applied to the principal only! I later found that they applied it to future payments - collecting a years worth of payments and interest in advance. I also feel they collected double interest for more than a year before their indiscretion was discovered. Now that this loan is paid in full ( and then some ) Key Bank refuses to refund me any and all overpayments made against this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar is in direct violation of the XXXX Guidelines and Massachusetts Statute XXXX, unfair and deceptive Practices Act. Nationstar refuses to accept a Quit-Claim-Deed duly recorded in the Massachusetts Registry of Deeds.Furthermore N-Star is in violation of the XXXX Guidelines requiring servircers to XXXX evaluate a borrower for XXXX prior to offering an in-house modification.N-Star has approved me for multiple in-house unsolicited, no documentation Trial Payment Plans that actually INCREASED my payment.I have never received and the servicers have never generated a HAMP Denial Letter which is in direct violation of XXXX guidelines The potential financial harm to me due to N-Stars blatant violations of XXXX Guidelines, is in excess of {$380000.00} over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The person in the name of XXXX XXXX said he was from XXXX called and advised they are trying to serve me papers at work. Then I asked what for and he refused to give me information about the debt. Then he told me they were going to serve me with papers at work. I told him to stop calling my boss and they said they can call whoever they want. My boss told me she was getting HR involved. I could lose my job over something that is unsubstantiated. Plus, they are giving out my personal information which is in violation of the privacy act. 
Their phone number is XXXX and his name is XXXX XXXX. He is very nasty and threatens me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX submitted a Move Out Statement of charges upon vacating a leased property. The amount was disputed on XXXX/XXXX/16 and the Property Manager responded that she would investigate and follow up. I sent another message on XXXX/XXXX/16 and did not receive any response. On XXXX/XXXX/16, I received a call from ProCollect Collections due to the outstanding debt amount. The initial dispute was never resolved before the property owner sent to collections.

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 04-07-2015 about Debt collection (I do not know) with Source Receivables Management LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with ONLINE Information Services, Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  XXXX XXXX XXXX keep putting information on Equifax, XXXX  and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive debt validation letter after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (AZ).
Issue: Fraud or scam

Complaint: I received a gift card ( {$100.00} value ) as a gift in original package. On XX/XX/XXXX I opened the package and went shopping at a local grocery store. The card only showed of balance of {$12.00}. I verified the transaction history and it showed a transaction of {$84.00} on XX/XX/XXXX ( before even opening the card package ). Called customer service at the number indicated on the card. They wanted my fax number. I explained that I do not have a fax. They asked me to fax copies of the card and the package, which I did on XX/XX/XXXX. I expect a reimbursement on the {$84.00} transaction I did not authorized.

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