milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Debt collection (Payday loan debt) with CHECK INTO CASH INC. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX is attempting to collect a debt from me ( XXXX XXXX XXXX ), for Check into Cash INC . I have no knowledge of a recent Payday Loan with Check into Cash INC . I am requesting that Check into Cash INC send me their DOCUMENTED COMPANY proof/verification of when I OPENED this account, and the DATE the account FIRST became DELINQUENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with Navient Solutions, LLC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I do not understand what they mean that it will be deleted in XX/XX/XXXX but no specific deletion date. A little more explanation would be appreciated. Also, why is it every month that it is being added that I was just delinquent with the account. Like for XXXX it keeps alerting me that I have been recently delinquent and when I click the alert it shows XXXX XXXX. I still believe XXXX XXXX is not following the laws for reporting and FDCPA. I have never see anything truly validation and or verifying this account. I have asked for those documents to prove that it is validated and verified but nothing XXXX XXXX keeps ignoring my letters. Just like that one woman said on the phone if I keep sending letters she will ignore them. I thought that was against the law. 

I have tried multiple times to get this account fixed and resolved but when XXXX XXXX states one thing and does another it pushes me to keep reporting the illegal actions they have done. Threatened me when they first contacted me in later part of XX/XX/XXXX, by saying that if I do not pay this now I will have a hard time for 7 years to get any credit or jobs. I asked them to at least verify the account. I sent in letters trying to see if the company can validate and verify this account is mine. I never got a response back but only more and more phone calls trying to get me to pay this bill. But avoiding to fulfill my requests which is my right by the FDCPA.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a XXXX XXXX Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my XXXX XXXX to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. XXXX XXXX told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called XXXX XXXX in XX/XX/XXXX to inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.

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 05-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Other

Complaint: XXXX scammed, lost XXXX dollarish, company refuses to chargeback card even whil ; e the company is under XXXX investgation

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 04/22/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of. 

On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account. 

When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it. 

On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it. 

We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us. 

I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XXXX we were looking at XXXX online exploring availability of show tickets and saw prices for a show that looked like a good value. When we entered our credit card information and selected the tickets the purchase was " XXXX '' back to us at a price ( {$760.00} ) far greater than we thought we were agreeing to. We tried calling XXXX but could not reach a " Supervisor '' as we were told we must. Despairing of that XXXX, we called Chase Credit Card and told them the problem. Chase closed the account, issued us a new card/account # and said they would " investigate. '' After we exchanged letters and phone calls with Chase numbers of times they announced on XXXX XXXX, XXXX that " as a result of our investigation, the charge is considered valid. '' I have written to Chase on XXXX XXXX, XXXX and again by Certified USPO Mail on XXXX XXXX, XXXX asking for the details of their investigation. No answer has been provided. I 'm asking the FTC to require Chase 1 ) to provide copies of proof that I owe XXXX {$760.00} or 2 ) Credit my account for {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company has posted Fraudulent account to my Credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Bank account or service ((CD) Certificate of deposit) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I set up a 5 year CD for my granddaughter at CitiBank. Someone in the bank changed her Social Security number 2 years in. When it was time to cash in they would n't give me the interest of {$140.00} because the Social Security number did n't match her name. They should n't have changed her number. They say they ca n't help me retrieve her money. Their mistake her loss. I want to file a complaint against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. 
We were told it would mean we pay a lower amount over the long-term. 
For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. 

There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. 

I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). 

Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. 

My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. 

In the meantime, what solutions do you have to offer? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Credit card) with Allied Interstate LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has XXXX different phone numbers now in her phone as a " contact '' for Allied Interstate. Just today, they have called 3 times in 3 hours between 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 non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX   2017  I received a letter from the IRS instructing  XXXX   County Circuit Courts and the Credit bureaus to remove a paid lien entry on my credit  reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. My first dispute of XXXX of the fraudulent accounts with Equifax happened on XXXX/XXXX/2015. I have uploaded all my documents proving the accounts were obtained in my name fraudulently, mailed hard copies, even faxed copies over to Equifax. 
I have asked Equifax to remove both accounts from my credit file, but to date Equifax has refused to do so. I have received correspondence from Equifax stating that it verified both accounts as belonging to me which is false. Had Equifax properly verified validity of both accounts, they would have been deemed fraudulent and removed from my credit file ; the procedure XXXX and XXXX followed, found both accounts to be fraudulent and removed from my credit files. 
Equifax is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. XXXX failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.

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 09-10-2015 about Debt collection (Medical) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling daily demanding payment on something I know nothing about. I do n't know what ERC is or why I 'm being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (GA).
Issue: Taking out the loan or lease

Complaint: I brought a car with autotrackk it was paid off as of XXXX/XXXX/2010. when I was making my last payment the loan officer told me that it was a lease car and in order to have the title I would need to pay XXXX. I advised to the loan officer that they can come get the car because I was not told by the agent who I brought the car from that it was a lease car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Problems when you are unable to pay

Complaint: The company calls 4-5 times a day and leaves messages on my personal phone and work phone. When I call back, they do n't answer and have me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a payment for {$10000.00} against my private student loans with Navient ( originally XXXX ). My goal was to make a dent in the principle and continue to make the minimum payment to help reduce the amount of interest I was being charged. However, once I made the payment, my bill was being sent to me with a monthly payment of {$0.00}. I contacted the servicer and was told that even though I made a {$10000.00} payment directly toward the principle, they were going to treat it as if I paid my loan ahead and bill me {$0.00} for years until the {$10000.00} had been utilized. I saw this as a tactic for them to collect more interest by me not making any additional payments toward the principle. Therefore I continued to make what I was told over the phone prior to making the payment my minimum payment would be. However, when I reviewed my file, i saw they were applying my payments to interest instead of the principle. I called again and they said even though I had a {$0.00} balance every month, they were still billing interest on the remaining balance on the loan and applying my extra payments to the interest they accumulated that month first instead of the principle. I requested that if i have no required payment every month then I wanted my payments applied directly to the principle and was told No.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX cra violation not mine id theft victim sent po report 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 09-09-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: Disputed last pd date in XXXX, account charged off. Showing on C/R, s as Open Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Gold Star Finance, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call and leave messages after I 've told them I do n't have the money. Calls my job anonymous after told not to call me at work also made a in person at my job on   XXXX   XXXX   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 12/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed with explanation