milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to Frederick J Hanna & Associates, PC in the amount of {$780.00}. I sent a letter to XXXX XXXX stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from Frederick J Hanna. I feel they are pulling information from XXXX County online court system and trying to fraudulently trying to collect money from 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 09-02-2016 about Credit card () with JPMORGAN CHASE & CO. (NH).
Issue: Credit determination

Complaint: Chase has a credit card labeled Chase Sapphire Reserve. I have applied for the credit card and was rejected due to having too many cards opened in the last 12 months. They wouldnt tell me how many " too many '' was. My credit is clear and I have been a customer of Chase for over a decade. I asked them not to increase their credit exposure by reducing the limits on one of my other cards ( total of {$34000.00} ) and they would not stating only that too many cards were open. I do n't understand why if their exposure is unchanged they are able to deny me a superior product advertised to present clients.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used www.annualcreditreport.com to request a free credit report from TransUnion on XX/XX/2015. Due to internet issues, I never saw my report nor had a chance to save that report. When I finally connected XXXX minutes later, I received this message, " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " Does the law not require that I can " request and **obtain** all the information about [ me ] in the files of a consumer reporting agency? '' I do not want an updated report, but access to the report I allegedly " received '' on XX/XX/2015. As the consumer reporting agencies already maintain a record of my most recent date of " file disclosure, '' it is nearly costless to them to allow me to obtain my XX/XX/2015 report until I am eligible to " receive '' an updated report. Does the FCRA law allow these agencies to seal my " free disclosure file '' for one year due to a failed online attempt at " disclosure ''? I would like CFPB to help enforce substantive " disclosure '' or the " right to obtain a copy '' -- can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time. 

XXXX XXXX XXXX National Credit Management XXXX XXXX, MO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 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 04/21/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had gotten a few months behind on my wells fargo loan, I originally asked for a forbearance which they said was accepted and would be in place until XXXX 2014. It was never put in place. In XXXX I called and setup automatic payments and a payment to pay my past due balance in full. I never heard anything from Wells Fargo after that until I received a letter stating that my loan was due in full and had defaulted. When I called the lady I spoke with said the person who took my account information for the payment missed a number in the account number so the payments never went through. I was never once notified of this and now I have set up monthly payments with them but they will not offer me any relief. I do n't feel I should have a defaulted loan on my credit report if I did not default it was the lenders mistake, but they said there is nothing they can do to fix it or help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previosuly filed a complaint against this company under complaint number XXXX. 
The company responded with a ton of statements from the credit card company. 

The company failed to attached what I originally requested which was the copy of the signed credit application so I can file a police report. 

I went to report this to the police department and they asked me to obtain the credit application and bring it back to them. This collection agency on return sent me statements, no signed credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Can't stop charges to bank account

Complaint: 1 - I am being asked to pay XXXX a month that goes to XXXX of the principle for XXXX loan. I was not informed that XXXX was a fee each payout and that XXXX was interest each payment. I requested a freeze on my account and that I would make regular reasonable payments. To date no action was taken. 
2 - 10 days ago, following AdvancedFinancial Instructions, I revoked authorization from my checking account on XX/XX/2016. Today payment was withdrawn. ( Now I am a risk of not being able to pay my mortgage ). My bank is XXXX XXXX XXXX i am in Tennessee. What else can I do? I want to make manageable payments for a loan that was taken out during a tough time. I do n't want to declare bankruptcy and do not wish to close my bank account but am at a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/2018 Discover Bank checked into my credit report and they did no help but just hurt my credit and i have dont recognize them. thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: Hello,In XX/XX/XXXX I called XXXX I had lost my credit card and got married. I asked to do everything at once to get my name changed and then issue me a new card. The person on the line helped and stated a card was sent. Since then I have been locked out of my account online and I was not able to log in to pay my account. I have called 3 times for a new card and now I am being told they will not send me a new card because my account is XXXX overdue. How am I supposed to pay my account if I do not have a card and can not log in online? They refuse to send a card to me. This process is absolutely ridiculous. I couldn't get a card when my account was up to date anyways. They wont unlock my account so I can log in online and pay. I do not make payments over the phone and should not be forced to. I will not be paying this account until they actually get a card delivered in my hands. I will also not be responsible for late fees. They have the correct address. I was hung up on with my first call today. Called back again spoke to XXXX (supervisor) who transferred me to XXXX who wouldn't transfer me to a supervisor stating he was unavailable and they would call me back in 24-48 hours. This is beyond horrible customer service. I have gone through the BBB and the communications from that gentleman was horrible as well. Just send me a new card. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SANTANDER BANK, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: Im disputing all late charges as well as negative credit derogatory by Santander bank. The late charges staring in XX/XX/XXXX to XX/XX/XXXX. These actions are due to poor customer service retaining information I provided them on my change of address. This institution has locked me out of my online banking making it impossible to make appropriate payment. This state does not have a Santander branch so this was my only method of payment other than using the postal service. However, I have not received a statement and I cant go online to access the account. How do I know what to pay? 
As of XX/XX/XXXX I was current on my payments. In XX/XX/XXXX I called Santander because I did not receive a statement and I discovered my online account was locked. Customer service told me that my address was inaccurate but I never received a courtesy phone call on the matter and I do have a piece of mail I received from them that month. So why Im not getting a billing statement is a mystery. My account at this point was past due but the issue was the amount past due. The rep told me I owe approximately 1500 in which I thought was outrageous. I wanted an explanation but the rep could not give me a valid reason. I could not pay the entire amount and have been playing catch up at the same time compounded with late charges and late payment reporting. I asked Santander customer dispute department for help in resolving the matter without the penalties and reporting but it all fell upon deaf ears. At this point I get 3 phone calls a day and constant letters about my next payment. Threats on losing my house because of failure to make payments.

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 01-08-2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Pop up on credit

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX collections on my credit report that are listed as being closed accounts. However, these accounts continue to update monthly, suppressing my score. Further confusing me, the same credit report shows I have no collections on file. They are also listed as factoring company accounts with high credit limits and past due dates, appearing as though I am past due but there is no original creditor listed. I 've attached screenshots evidencing my position.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage refuses to send me a monthly billing statement or any other notification my payment is due. How can I make my mortgage payment if the mortgage servicing company refuses to provide a service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX Transunion : XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.

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 07/27/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Rewards

Complaint: We opened a Citi AAdvantage Mastercard XX/XX/XXXX. In order to earn an account opening bonus of XXXX XXXX XXXX AAdvantage miles we were required to spend {$1500.00} in the first 90 days. After not seeing the account opening bonus post to her AAdvantage account, my wife contacted Citi via chat on XXXX/XXXX/XXXX to verify we met the terms of the promotion. Citi stated the promotion was actually {$3000.00} in 90 days but that we had indeed met the terms of the promotion, despite the mis-understanding and that the bonus miles would post soon. After a further 60 days the miles still did not post to her AAdvantage account. I then contacted Citi via chat on XXXX/XXXX/XXXX and was again told that the bonus miles were indeed earned and would be posted to the AAdvantage account shortly. After additional time had past without the bonus miles posting I contact Citi yet again and was only then told we had not met the terms of the promotion and no miles would be awarded. Despite multiple confirmations that we had met the terms, we suddenly had not.

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 10/19/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding loan # XXXX JPMorgan confirm their findings as provided before. 

However, for the record please note that apartment XXXX 'never ' had an equity loan. I had another apartment, which unfortunately I was almost forced to sell last year, XXXX against which I had maintained a line of credit. The loan with JPM which I believe must 've been taken under WAMU or even Dime Svgs Bank, was taken a long ago which matches the XXXX filing. This line of credit 'did not ' exist up until recently as JPM seems to indicate. 
I have been asking about the line of credit that was been reported every time I called to get a status on my current mortgage loan, but never got a straight answer. Instead JPM had in their files a UCC under a complete different apartment number and owner listed under my records. 
I 'm glad that this issue got finally corrected. 
I am very disappointed though at JPM 's decision to not respond to my question regarding the loan they issued to XXXX XXXX XXXX XXXX XXXX in 1996 ( originally thru Morgan Trust Co ) As a shareholder in that Co-op I should be able to obtain the requested information. I did n't realize how bad the real estate market had hit until I started to review some documentation for the Co-op which raises some questions which oddly enough Management Company, Sponsors, accountants, etc have kept secret all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Consumer Loan (Installment loan) with Cedars Business Services, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. 
Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. 
They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. 
I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Transaction issue

Complaint: I use the Citibank XXXX Advantage Credit Card which entitles the consumer to Group XXXX Boarding on Flights and XXXX Free Checked bag on XXXX airlines flights. The card has a annual fee of {$85.00} dollars for these services. My family and I took a trip on XXXX XXXX on XXXX XXXX to from New York to XXXX XXXX XXXX returning on XXXX XXXX. We did not receive Group XXXX Board or our free checked bag. I contacted Citibank on XXXX XXXX and the service person apologized but indicated that nothing could be done about the services that I paid for that I did not receive. I then asked how could I be assured that I would receive the services that I paid for in the future. The representative could not assure me that I would receive the benefits that I paid for. So I asked why was I being charged for a card that would not work. The agent then offered me XXXX american airlines miles. I never received the miles and I am not receiving the benefits that I have paid Citibank for with this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account  Resolution Services  has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in  XXXX . The collection is on a debt supposedly incurred in  XXXX , when I was insured and would not have been charged for  XXXX   XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account  Resolution  Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed.     Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines --  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If  ARS  ca n't even report its own address correctly, what makes anyone think its data is any good?

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 07/14/2017 about Debt collection (Auto debt) with Northstar Location Services, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt collectors sent a letter stating I owe a debt I do not know this creditor I had no dealings no contract or service through the company

Company response to consumer: Closed with explanation