milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Consumer Loan (Installment loan) with NCB MANAGEMENT SERVICES INC (VA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I took out an internet installment loan from XXXX in the amount of {$2400.00}. I made several payments to them before finding out that this type of loan is illegal in my state ( Virginia ) as it was originated online. I contacted XXXX and offered to pay what I received minus interest as the loan was illegal. XXXX advised that they would no longer pursue collection on the loan. Fast forward to XXXX XXXX the loan was charged off and purchased by NCB Management. XXXX has never contacted me for any payments or reported any information regarding the loan on my credit report. In XXXX XXXX NCB Management reported an outstanding debt of {$2900.00} on my credit report on all XXXX credit bureaus. I contacted the XXXX and advised that I had no knowledge of this account from NCB and requested that they validate the debt. NCB responded that it was an account from XXXX. I contacted NCB by phone directly to see what needs to be done to remedy this issue. They advised that I needed to pay {$2900.00} ( principal plus interest ) to remedy this. They have also continuously called me at home, work and my personal cell phone in an attempt to collect this debt. I advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this further. The representative has continued to contact me at work yelling at me that I owe this money because I took the loan. I am now reaching out to Consumer Finance to see what options I have to resolve this. I am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted the companies and they havent contacted me about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled my credit report this morning and found that XXXX has resold an account to Sunrise Credit Service for an amount of {$300.00}. This debt was first sold to XXXX XXXX XXXX.and was closed out and removed from my credit reports through the CFPB on XX/XX/18, after the collection company admitted they could not validate this debt ( 5 certified letters with no responses ). Please see XXXX 's response below. I am requesting that Sunrise cease collection and remove tradeline from all three major credit bureaus, as no company has been able to do validate this debt as mine. 

Complaint # XXXX On XX/XX/2018, this account was closed with XXXX XXXX   and returned to our client, XXXX. We will request that our information for this account be removed from the credit reports as the account is no longer placed with XXXX. To ensure resolution in this matter please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXX ; Kind regards, Compliance Representative at 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 explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with R & B Corporation of Virginia (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The account that says I owe {$310.00} has already been paid. I no longer owe this because I paid it directly to the hospital. Further more there is a HIPAA violation and I never approved for a third party to access my families medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with Colony Brands, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks

Company response to consumer: Untimely response
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. 

Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). 

Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. 

The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. 

We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. 

Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Late fee

Complaint: This complaint is about the TJX Rewards credit card through Synchrony Bank. In addition to a very high interest rate, the Bank routinely thwarts the account holder 's ability to access their account and pay the bill, and then charges a late payment fee. The website is routinely inoperable, blocking access to account information and the payment portal. I did not receive paper statements in a timely manner, sometimes only XXXX or 4 days before the payment was due, and sometimes I did n't receive statements at all. When I called the card company to complain after receiving a late payment fine for a bill I never received, I was urged to switch to paperless statements, which I did on the promise of XXXX access to my account and the ability to pay the bill online. Yet the website never seemed to work correctly, and on the infrequent occasion where it did work, it did not show real time account information such as recent payments. It would not even show the prior month 's payments, even if payment had been made weeks before. It was so bad that there was actually a disclaimer next to the account balance figure that said it might not be accurate. The combined effect of these systemic failures seemed to be designed to keep cardholders from understanding how much they owed and how much they paid at any point in time. It seemed designed to block access to information and to block the ability of the cardholder to make their payments accurately and on time, the result of which ( perhaps intentionally ) was to slap on late payment fees. I canceled my card today after the website was inoperable once again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with VIRTUOSO SOURCING GROUP, LLC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Do not have an contract/agreement with Virtuoso Sourcing to pay a XXXX dollars collection. Never received information about this debt.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid my bills my whole life and never missed a payment. I had a misunderstanding with XXXX, which was not my fault, and there is no documentary evidence to support my contention of the following facts. XXXX records all phone calls, so XXXX is in control of all of the documentation necessary to remove this item from my credit report. 

I moved out of California, where I had been a XXXX customer, on XXXX XXXX, 2014. On that date, I was told by the XXXX representative who disconnected me that I was paid in full. I received a bill from XXXX a month later for about {$150.00}. I called and the representative told me that I needed to return my router, which I did. I mailed the router and called to confirm. I received another bill and called and was told again that it was a mistake. Only upon receipt of a collection notice did I finally receive the correct information regarding my bill and I paid it immediately, pleading with the representative who promised me that if I paid it would not impact my credit. I submitted a dispute to XXXX XXXX the dispute confirmation number is pasted above ) after discovering to my horror that I had been misled and lied to. XXXX asked for documentary proof, of which I have none. All I have is my unblemished history of payments of all debts. I applied to refinance my student loans and was denied a week ago because of this. 

This information will obviously be on all credit reports with the largest credit reporting agencies, so if the CFPB could help me dispute across all agencies, it would mean so much to me. I worked so hard and to have a misunderstanding affect me like this is really heartbreaking. 

Please help me. I really hope that you can help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with Credit International Corporation (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Citibank has held my funds for over 2 months. In XXXX XXXX, I deposited a check for about $ XXXX into my account. Since that day, they held my funds. They claimed that the check did not belong to me. Despite the check being under my name, Citibank still refused to release my funds. As of XXXX XXXX, I have called them over 100 times and tried to verify that the funds do indeed belong to me. The check was coming from a car insurance company as compensation for a totaled vehicle. 

Citibank asked me to provide proof of a business registration document by going to the branch. The document was taken to the branch, but after several phone calls to Citibank, they still refused to release the funds. Then, they told me to fax the documents to them. I did so, but then they said the documents were not received at the correct department. Despite this, the documents were faxed again a third time. 

They closed my account and have not paid my funds. 

Citibank is a dishonest bank and after 2 months of stress and calling, they still make excuses by repeatedly telling me to call them on Monday to resolve this issue.

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 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: For twelve ( 12 ) years Ive been called a privileged member of the American Express Card, but it seems they change their minds, as they recently canceled my account without any notice. When I try to find out the reason for said cancellation, they alleged that they do it for three ( 3 ) reasons : I have a decrease in my credit score punctuation Two ( 2 ) late payments, One unpaid payment for insufficient funds First of all, my credit score punctuation has been the same for more than one year ; it doesnt decrease in any way, as they said. The two ( 2 ) late payments alleged, were made on the past year, not on this year, and it was the only time that this happens in the past 12 years of using the credit card. The called unpaid payment was a payment made in advance, as the account was on-date. If the reasons alleged were reasonable, then why they dont cancel my account during the past year, and decide to do it now. I will understand so, and will not feel angry for that, if there was a real understandable reason for the cancellation. I think that maybe their action now responds to a claim made a few days before ( the first-one I made in 12 years ), when I finally was oriented that during the 12 years I have accumulated a total of XXXX points, which is equivalent to {$10000.00}, and that I could use the points to pay the total amount due on my account up to that date, which was around {$6000.00}, and still have enough points to continue and keep on using the credit card. When I called to make that move and ask them to redeem the points acquired, they canceled the credit account and the points accumulated for said years without any notice or advise. Clearly it looks that this is a strategy for not redeem the points, in order to keep on receiving money from their members, instead of applying the points acquired to the account. In the past 12 years, every time I need to talk to someone by phone, there was a XXXX speaking person on the other side eager to help me. Since this situation happened, I ask for a reconsideration, and every time I try to call and ask for a XXXX speaking person to explain the situation, theres no one able to speak to me in XXXX, and I have to talk to an interpreter, which results humiliate for me, as it is difficult for me to understand all the terms in english. This is why after seeing your online page, I decide to write you, and ask you to assist me in this matter. I will be grateful for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was a victim of Trans union in XX/XX/XXXX i look on my credit 20 inquiries was removed from my credit report but the same day they reinserted back again and never properly informed in writen in 5 days also in XX/XX/2017 11 account was removed but on XX/XX/2017 was reinserted back in my credit report and they didnt informed me i call trans union and talk to costumer service and informed about the problem but they only told me that nothing and try to talk another think that i didnt ask they dont help full i send then a dispute letter certified on XX/XX/2017 for dispute inacured accounts they are in violation of the Fair credit reporting act section 611 they never send me any letter to let me know about this in attach you see when was removed and when was reinserted also the certified letter

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 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for t he Chase  XXXX  cre dit card several months ago and met all the requirements for the bonus. I also added an authorized user, and according to the terms that same authorized user made at leas t 1 p urchase and I was supposed to get  XXXX   XXXX   XXXX  for this. I never receive these authorized user points. At first they told me I did not qualify for it and told me to add another authorized user. After they did actual research on this, they realized i did indeed have an authorized user and that he made  1 pur chase on the card and that I should be receiving the  XXXX   XXXX   XXXX  on my account by  XXXX / XXXX / 2017 . Its  XXXX / XXXX / 2017 , my statement posted and no  XXXX  points. This is super frustrating because I followed the terms completely and I am trying to book a trip this   XXXX   and I ca n't because they wont give me the  XXXX  points that I deserved according to the terms and conditions. They need to give me the  XXXX  points and figure out a way to make this up asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has not responded according to the Federal Law. They say they are only a repository and do not have to have to investigate information that is being reported by a creditor. They refuse to delete outdated information and i want them fined. They are not above the law. They disputed my information with CFPB on XX/XX/2017 and they think that is enough. I again submitted a complaint that CFPB says they are working on this but there has been no response by Equifax. They continue to report outdated and non-verified information on my credit file. They are LEGALLY responsible to delete outdated and non-verified information. I AM DISGUSTED WITH ALL OF THE GOVERNMENT AGENCIES AND THE CREDIT BUREAUS WHO BY THE WAY ARE A " FOR PROFIT ORGANIZATION. '' IT IS UP TO THE CREDIT BUREAU TO REPORT ACCURATE AND VERIFIABLE INFORMATION. WHY AS CONSUMERS DO WE HAVE TO FIGHT FOR OUR LEGAL RIGHTS!!!!!!!!! THEY CONTINUE TO NOT SEND ME A FULL CREDIT REPORT. I WANT A FULL CREDIT REPORT AND NOT SOME STUPID PAPER ASKING ME TO REQUEST MY CREDIT REPORT VIA THEIR FORM. SEND ME A FULL CREDIT REPORT AND I MEAN IT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Trouble during payment process

Complaint: I received notice from Carrington Mortgage Services LLC that my monthly payment would increase by {$12.00} per month for the next year to cover anticipated escrow charges. I offered to send in a check for {$140.00} to cover the next year 's escrow. Carrington representatives XXXX XXXX and XXXX ) told me it did n't matter what I sent in the payments would not change. The company refused to offer this basic customer service.

Company response to consumer: Closed with explanation