milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/16, I had attempted to use my credit card at the gas station and also for a taxi, however, all attempts were rejected. I called into Chase asking why my transactions were being declined and they had informed me that all my accounts had been closed ( Checking, savings, credit card, business accounts ) On XXXX/XXXX/16, I had called Chase to inquire why my accounts had been closed and was informed that it was due to " unusual activity ''. I tried to inquire further on what the activity was, but was not given a chance to find out and the rep had mentioned that " Chase had decided to end the relationship '' with no further explanation and that I had to close all credit cards and withdraw all money from bank accounts within 30 days. I had received a letter in the following week stating the same instructions. 

On XXXX/XXXX/16, I had gone into a Chase bank branch and followed instructions to withdraw my cash from my checking/savings account, and inquired of the manager at the branch why my accounts were closed. He looked into my accounts and informed me that he could not identify any " unusual '' activity and did not understand why my accounts were being closed. I inquired if I could appeal the process, and was not given any further information. 

Without understanding what the action was which lead to all my accounts being closed and without any chance to appeal, I feel discriminated against and that this practice is deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Corporate business accounts with Capital One showing on personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Other

Complaint: I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on  XXXX   XXXX     2017  i send a certified letter  to DIVERSIFIED ADJUSTMENT whi ch was received to them on  XXXX   XXXX ,  2017  to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on  XXXX   XXXX ,    2017  i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or around XXXX/2015 received call from this company ERC stating I owed XXXX on a XXXX XXXX cable bill. I thought company sounded suspicious so I told them that I would not pay over the phone with them but I would call XXXX XXXX and pay them.
I was later told by rep. for ERC that I should have paid ERC. and so now it reflex derogatory mark on my report and score which I 'm trying to repair. Can you help get this mark of report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with DISCOVER BANK (CT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Discover Card and a few other collectors keep calling my cell phone and my mother 's cell phone for my brother 's debt. I told them this is not his phone number, I do n't owe you the debt and to take me off the call list. They say ok and then they still call / harass, almost every single day. They even called us on Sunday XX/XX/XXXX back to back at XXXX XXXX XXXX XXXX and at lunch time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted an original creditor ( XXXX XXXX ) to pay a debt. The creditor told me the amount owed and I paid it. I was told that my debt was paid in full and I was not responsible for any other amounts. I have record of this conversation and the payment. That creditor then sold some other portion of the debt that I, believing the debt was paid in full, was not informed of and not given the opportunity to pay, to a collection agency. The original creditor acknowledges their representative made a mistake ( according to the supervisor I spoke to, the representative I had talked to misquoted the amount I owed, leaving me with an unpaid balance ) and that I had every reason to believe the debt was paid, but offers no solution other than for me to pay the collection that was unfairly placed on my credit report. I know that simply paying the collection will not remove it from my credit report and it will remain for XXXX years even after payment. I feel there has been some violation of rights here. Can you offer any advice?

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 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Credit card debt) with U.S. BANCORP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have notified this and multiple other agencies that have attempted to collect the same debt that it was already paid off. I have sent numerous faxes, emails and spent countless hours explaining I have already paid this debt off in XX/XX/2012. Yet, periodically, I continue to be contacted by this and multiple other debt collection agencies.

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 03/19/2015 about Credit card () with Mel S. Harris and Associates, LLC (NY).
Issue: Other

Complaint: Mel S. Harris & assoc. used deceptive collection practices while attempting to collect on a purchased debt. Once initial contact had been made and a discussion on solutions to resolve the debt, the attorney office sent out a summons for an appearance in court. The representative had advised us that " we should not worry because we will receive several of these notifications. '' However, there was a case filed in the city court and required an immediate response to avoid a default judgment. This summons was used as a collection tool while in mutual good faith discussion on how to repay the debt. The representatives refused to discuss reasonable payment arrangements and told us to deal with the courts. When I inquired as to why a summons was sent out while we were talking to their agency in good faith I was hung up on. After calling back XXXX times I was finally connected to a supervisor who again tried to tell me not to worry about the summons. As I inquired further as to the reason of the summons I was hung up on again. I was hung up on a total of XXXX times while asking to speak to a manager or an attorney within their office. This debt is over XXXX years old and was supposedly incurred by my mother in law who is on a fixed income and under the care of XXXX. Every time I had requested documentation or verification of the debt I was told to deal with it in court -- even though I was assured prior, that nothing had been sent or filed with the court! I am an advocate for my mother in law while dealing with what I consider to be an unprofessional and unscrupulous debt collector. The summons was sent just to solidify their subtle threats of garnishment, liens, or any other means at their disposal. My concern is that this would appear to be a regular occurrence with this agency. Once the attorney office makes contact with a consumer they issue a summons to scare the debtor. My mother in law was served on XXXX/XXXX/15 ; we had started discussing the debt on XXXX/XXXX/15 which means they ordered it while we were discussing in good faith our options on the debt. Mel S. Harris & assoc is using the power and intimidation of the summons and the court system as a scare tactic and collection tool to coerce and discriminate against consumers

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Credit card) with STATE FARM BANK, FSB (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this was a result of a fraud account thru state farm bank that i have disputed numerous times thru state farms ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NV).
Issue: Managing, opening, or closing account

Complaint: I have been a cardholder of rushcard for over 8 years. I chose to use rushcard for my payroll direct deposit and have trusted them for my financial services. Since XXXX/XXXX/2015 I have not had any access to any monies on my prepaid debit card and I am unable to perform any transactions such as paying bills or withdrawals. This has affected my daily life tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've attempted to contact this company on several occasions to tell them that the debt their trying to collect is n't mine and I do n't even know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have called numerous times to pay back my loans when I have been continuously forced into a forbearance or deferment that is just tacking on more interest. I have applied for multiple repayment plans and instead of giving me a reasonable rate, they have expected me to pay them of {$600.00} per month on a {$35000.00} year salary. The company has denied all request, returned all letters without any explanation other than that I was simply " denied ''. I 've been forced to consolidate my loans through another lender with an overbearing interest rate. Now I am not only forced to pay thousands of dollars tacked on by the Navient, but additional thousands in interest from the new consolidation firm. The mistreatment and thousands of dollars they have tacked on to the initial loans are unethical. They do not allow you to understand the loans and what you are getting yourself into. This company is not for furthering your education, they are only for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing Inc. keeps contacting us via mail re a XXXX debt we do not owe, and have never owed. For years, we have used a different carrier for cell phone service. This company is known for attempting to fraudulently collect debts that are not even owed. Maybe there is someone with a similar name who does owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I requested my credit reports in the mail. Upon looking at all  XXXX , the months of  XXXX  and  XXXX  has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

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 02/15/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: I was approved for a Bank of America XXXX credit card, with a sign-up bonus of XXXX miles after spending {$1000.00} within 90 days. I have spent well over the required amount, and my monthly statement has closed. However Bank of America has failed to credit my account with the approximately XXXX points I 'm due. I have specific travel plans, and this arbitrary withholding of my points is directly affecting my travel itinerary. These points need to applied to my account immediately, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances. 

If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life. 

I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know what this debt is therefore I attempted to have company remove but that was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: the original creditor XXXX account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time HILLCREST DAVIDSON AND A

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with DISCOVER BANK (MD).
Issue: Billing disputes

Complaint: disputed my account due to someone else using my account. it was never taken off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient has been calling me for approximately the past  XXXX  months at least   XXXX   times a day starting at  XXXX  to about  XXXX .   I have tried to work out many options to repay my loan. They have told me I make too much and that I owe { XXXX } a month and they can not lower it. Then I spoke with someone else and they told me if I want lower payments I need to submit my bank statements. Then I spoke with someone else at the end of  XXXX  who said that he can get me to repay { XXXX } every  XXXX  weeks for the   XXXX   XXXX   months to catch up on the money I owe and then the payments would drop to {  XXXX  } every  XXXX  weeks. Well,   XXXX   days later navient is calling me again and telling me there is no such repayment and I owe { XXXX } a month. They told me they will take { XXXX } every  XXXX  weeks but it wo n't get me out of collections. I said that is all I can afford. I have other loans too which they want { XXXX } a  XXXX . I also have a child and a baby on the way. They told me since the baby is n't born they ca n't take into account that I have to pay for diapers formula and wipes and that the baby needs things before it 's born. They are unfairly harrassing when I am agreeing to pay { XXXX } every  XXXX  weeks but they are telling me I 'll still be in collections. Please help they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Other type of mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Closing on a mortgage

Complaint: I have a second mortgage that is about paid for and than on the statement 2 new amounts started showing up on the statements, one called deferred amount for {$1300.00} and one for fees and charges in the amount of {$620.00}. 
This loan was started with XXXX XXXX  and then sold to XXXX and now Real Time Resolutions. For about the last 6 months these would show up on the statement I would call Real Time Resolutions and question what and were did they come from with no answer. The following month the fees and charges would be remove only to reappear the following month. I called XXXX and they discovered these balances were added on XX/XX/2008 when they assumed the loan but could not answer what they were for and suggested I notify consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a reinvestigation/dispute letter dated  XX/XX/2017    by certified mail to Equifax. The letter shows delivered on  XX/XX/2017    per the certified mail tracking number on the USPS website.      ( Tracking #   XXXX   XXXX   XXXX   XXXX   XXXX   ) As  of today 's date,  XX/XX/2017    I have not received any type of notice, or updated credit report in the mail. I have also sent a copy of the letter along with the evidenceof tracking to them again. Furthermore, the accounts that I am disputing on this letter were unverifiable and removed from my  XXXX  and  XXXX  report so I am not understanding how Equifax can say that they are verified with them but did not verify the other CRA 's.

Company response to consumer: Closed with explanation