milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been denied credit because XXXX refuses to remove a a negative account from my profile. On my credit report XXXX XXXX XXXX is listed as a seriously delinquent account as of XXXX/2014 although I provided them with a copy of the original contract which states that the contract date was XXXX/XXXX/14 and that the first payment was not due until XXXX/XXXX/2014. Not to mention I paid the first three payments on the date of the contract. I have disputed this item on XXXX occasions and it is an obvious case of XXXX working to keep a bad spot on my credit because XXXX XXXX XXXX is a paying client. XXXX is responsible for what is reported to potential lenders and I want XXXX held accountable for this infraction of the FCRA. It has caused me emotional stress, pain and anguish because I am not able to live my life to the fullest and it is embarrassing to be refused credit especially due to greed. My quality of life has been greatly diminished. Not to mention I have spent days going thru the proper channels with XXXX and I earn {$1000.00} per day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: I paid off an old Credit Card Debt and was told it would be taken off my credit and not listed as settled. It is now listed on my credit as : Charged off as bad debtDispute resolved ; reported by grantor This is damaging my credit and would like it to be resolved and taken off since I paid the full asking amount that they where asking.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Credit card debt) with Global Resolution Group, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Company is currently using an auto dialer with a recording message that i am currently under investigation for my assets.

This is a blatant violation of FDCPA also TCPA for method of contact being that i did not consent to be contacted via auto dialer Furthermore there numerous complaints on the web for there tactics to intimidate consumers with is un just and-needs to be rectified

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with Atlantic Recovery Solutions LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received numerous calls from XXXX XXXX at Atlantic Recovery Solutions ( ARS ) from XXXX, NY, stating she was an account representative and was working on behalf of their client to collect a debt. I informed her I do not have a debt with the creditor mentioned and asked for verification. She stated that she does not need to verify anything. I asked her to stop calling me, my place of employment, my husband and my relatives after which she hung up on me. I then sent a Cease and Desist and Dispute letter via fax to their offices after verifying someone named XXXX XXXX worked there.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL 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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am re-filing filing the previous complaint as I was not given a reason for having XXXX consecutive inquiries for an application. Telling me in my situation is not an explanation. How is my situation different from people who only get XXXX credit pull or an application or all of the pulls from different agencies all on the same day of the application. Saying in my situation is not an acceptable answer unless you expalin to me what my situation is/was that justifies consecutive day credit pulls.

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Santander repossessed my vehicle in 2013 and they are reporting the credit bureaus sometimes the account is open and sometimes is closed. They are reporting derogatory information and it is already passed the three year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (WV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX and XXXX AES and XXXX XXXX put on my credit report information they werent supposed too under the current situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Fedloan Serving is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from Fedloan Serving indicating I had past due loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard went through a system update on the XXXX of XXXX and I have not had access to funds since then, and this includes a direct deposit that was supposed to have hit on the XXXX. I checked my balance after they said the deposits were late due to the system update and it showed on XXXX XXXX, but by the time I got to an atm ( about XXXX minutes later ) the funds were gone and the balance was {$0.00}. I called Rushcard and they claim they do not show a deposit and to contact payroll at my job to see if the funds were returned. My job assured me no money was returned and that Rushcard has my deposit. I have not been able to get in contact with Rushcard as the customer service number now hangs up on you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2015 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Other

Complaint: I CONTACTED YOU REGARDING AN INQUIRY INTO MY CREDIT FILE BY XXXX PER MY CREDIT REPORT WITH XXXX. THE REPORT STATED THAT IT IS REGARDING XXXX THE FILE NUMBER WHICH YOU ORIGINALLY ASSIGNED TO ME WAS XXXX FOR THIS CASE. YOU NEEDED MORE INFORMATION AS TO THE COMPANY 'S NAME. THE SAME DAY THAT I CONTACTED YOU TO RE-CHECK INTO THIS CASE, UNFORTUNATELY, WAS THE SAME DAY THAT THE FILE WAS CLOSED- WITHOUT THIS BEING RESOLVED. AS I STATED IN MY ORIGINAL COMPLAINT, I HAVE NOT APPLIED FOR ANY CREDIT CARDS FROM ANYONE IN 10-PLUS YEARS. I WAS ONLY ABLE TO FIND OUT INFORMATION ABOUT THIS COMPANY BY VISITING A WEBSITE CALLED XXXX. THIS SEEMS TO BE THE FRAUDULENT WAY THIS COMPANY OPERATES- PULLING PEOPLE 'S CREDIT REPORTS WITHOUT THEIR PERMISSION. I DO NOT HAVE ANY OTHER INFORMATION ABOUT THIS COMPANY. THE NAME FOR THEM AS LISTED ON MY CREDIT REPORT IS XXXX. THEIR PHONE NUMBER IS ( XXXX ) XXXX. I FOUND THIS INFORMATION OUT ABOUT THEM VIA THE WEBSITE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (MO).
Issue: Managing the loan or lease

Complaint: Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete, they should refund that fee. I have asked for copies of the documents ( since according to them I am still on the account ) ... all documents including the transfer of lease forms. I received nothing. I was told my account was turned over to someone at ford and they would be calling me..i have received no call. I also receive no help from XXXX XXXX in XXXX IL where this was purchased. The boys club does n't seem to want to respond to me. Paper work for the lease when we began this had to be redone 4 times with XXXX at the onset.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {$29.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n't charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {$38.00} because I had {$51.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {$29.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {$25.00} to XXXX. Over this last year I have had to pay between {$1000.00} and {$1500.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I received a letter a week ago stating Chase is changing the Annual Percentage Rates [ APRs ] as described because my APRs they offer are below rates they currently offer. My revised rate will now be 12.24 %, instead of my current rate of 7.4 %, and will be based on the prime rate. 
I want to state that when the card was taken out in 2002 the interest was 11 or 12 percent based on the prime rate.It could have gone up then, but the prime was lowered, therefore the current 7.4 %. 
It is not fair to raise it that much this early, with the chance of the prime rate set to rise in the coming months. We have been good customers, paying more than the minimum payment, and on time. 
This particular Chase card is listed for XXXX XXXX, with XXXX XXXX as co owner. Our address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX. XXXX. 
Address : Chase XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Rent Recover, LLC (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Company was attempting to collect a debt. Company has been calling all times of night about a debt that I do not owe. I have spoke with this company and they will not stop the harassing. They have took it to the extreme and called my employer, asked them how much I make, am I a good employee, how many hours do I work, and when do I get paid. This company has literally called my boss, and asked him he is screening my calls. This is unacceptable in my eyes. This is very unprofessional.

Company response to consumer: Untimely response
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/16 I received a collection notice from Credit Protection Association L.P. for {$400.00} service balance due to XXXX There is an additional collection fee of {$100.00} that is added on to the service balance. This is more than 25 % of the original balance and extremely high! I have not signed any contracts agreeing to pay for collection fees. The notice says to remit payment to XXXX XXXX even though the collection notice came from the collection agency. Why am I being billed for an additional {$100.00} collection fee if I 'm supposed to pay XXXX XXXX? A month later I received another bill from XXXX XXXX. So now I am confused as to who actually is the current creditor. The original notice also stated that the account would be reported to credit bureaus by XXXX/XXXX/16. On XXXX/XXXX/16, I received another notice stating it would be reported XXXX/XXXX/16. The inconsistent information that I 'm receiving from the creditor and collection agency leads me to believe that they are trying to defraud me.

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 11-12-2015 about Debt collection (I do not know) with RentDebt Automated Collections, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rent Debt Automated has indicated in their XXXX/XXXX/15 response to my complaint that they " closed and returned the account '' ; however, they did not indicate that they removed it from my credit listings. See Attached. Rent Debt are the ones who reported the invalidated and inaccurate debt and they must be the ones who contact ALL XXXX CREDIT BUREAUS and have it removed. They have not been able to validate this debt and under the laws of the state of Texas, and the FDCPA, Rend Debt MUST REMOVE ALL REFERENCES TO THE INVALIDATED DEBT FROM ALL OF MY CREDIT LISTINGS. Please instruct them to REMOVE this account from my credit listings. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Student loan (Non-federal student loan) with Rhode Island Student Loan Authority (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told that if my daughter paid her loans on time for 2 years I could be released as a co signer on 2 loans. She has never been late on a payment and has a credit rating in the XXXX 's. She is paid ahead on her Federal Loans up to 2018. RISLA claims her credit is n't good enough because they do n't count her student loans as part of her credit report. This is not what is stated on any application to RISLA so how can they change our agreement like this?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is repeatedly contacting me " on behalf '' of an acquaintance and claiming I am a " reference '' and need to call back. This is untrue. I am ignoring their calls and have no business with them, yet they keep harassing me.

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 04/30/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition. 

This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans. 

I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying! 

I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this. 

Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM. 

This is going to affect my young daughters and my life forever and i dont know what to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On or around XXXX 2015 I was advised by a Chase banking representative that I could " save on my interest rate costs by paying bi-weekly or refinancing. '' I began making payments in amount of approximately half my mortgage payment due ( XXXX-XXXX every other week ). I continued to make such payments for the next 2 months approximately until I began getting calls by Chase servicing about my " late payments. '' They explained then that bi-weekly payment was not an option. I inquired as to the amount due then to get the monies Chase was placing in an " unapplied funds account '' to my mortgage, which was {$1600.00}. I advised Chase I 'd make immediate payment ; I did ; they finally credited that amount several weeks later around XXXX XXXX ... .causing me to be 30 days late. Due to erroneous advise at Banking ctr, I have called Chase Private Banking dept./Cust Care to reverse the negative credit reporting which they denied, stating I have to get a sworn affidavit from the branch confirming they in fact gave me bad advice. This is preposterous for several reasons.Please ensure my credit is respired as I have taken a major hit to my FICO once again due to non-compliant Chase Servicing practices and am being denied credit to other areas of my personal life. I have roughly XXXX % equity and a strong payment history having owned this home for 17 years.

Company response to consumer: Closed with explanation