milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with NORTHLAND GROUP INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account XXXX XXXX for {$950.00} with the balance date ( XX/XX/XXXX )??!?!?!?! And Kohls/XXXX for {$600.00} I have never had a Kohls account nor have I opened a card or left a balance of anywhere near {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with Preston Clark & Quinn (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Preston Clark & Quinn ( XXXX XXXX ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments on XX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that XXXX XXXX defrauded me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with CL HOLDINGS LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: i have contacted equifax on the inquires on my account that are fraud and not mine. they have done nothing to help and continue to allow fraud inquires on my credit history. here are XXXX of the letters that were sent to me from these companys. I have more

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BROKER SOLUTIONS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Improper use of Personal information : New American Funding ran my Credit report ( Hard inquiry ) on XX/XX/2018 without my consent.

I have not applied for any mortgage loan with this company, neither as Borrower or Co-borrower. I didn't sign any document or consent them to run my credit score at any time.

They improperly obtained my Social security number from a Joint tax return when my husband had inquired about a Pre-approval based on his name as Borrower solely ( my name was not on any application ).

The persons who are responsible for this incident include : XXXX XXXX XXXX XXXX XXXX XXXX  This action has damaged my credit score and made it harder for me to apply for Mortgage loan in the near future.

I've contacted the company regarding to this incident and haven't heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan from castle pay day loan and supposedly when they went to take the money out of my account it was n't in there when I actually get paid direct deposit. Now they are calling an address and phone number from 20 years ago threatening a lawsuit etc. I have not received any formal letter from this company. If so I would have paid. I also researched them and found out htat they have many many complaints of scamming customers. Please help. They have threatened to send documents etc to my job and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Delinquent account

Complaint: In 2013 I defaulted on a credit card debt. This debt was subsequently charged off and reported to the IRS as bad debt. Chase is still reflecting and trying to collect the full amount of the debt XXXX {$2200.00} XXXX. I want to pay this debt as I am in a better place financially. I ca n't possibly be expected to pay the bad debt and the taxes. Either cancel the debt and reflect it as a zero balance charge off and I pay the taxable income, or I will pay the bad debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I have contacted XXXX and Transunion regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of XXXX  and Transunion and XXXX Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. Transunion and XXXX are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the 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 11/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been trying to get additional information about which payments I 've made count towards Public Service Loan Forgiveness. Ever since I asked for this information, my monthly statements have shown that my payments that have counted have gone down. 

My billing statement dated XX/XX/XXXX reflected 65 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 55 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 47 payments counting towards PSLF.
I received a call earlier this week advising that they are working on an accounting of my payments and wanted to know if I was still interested in receiving it. This is absolutely absurd. I asked for an accounting in XXXX of this year and they have been unable to produce it AND are retroactively reducing what was previously determined to be eligible PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/XXXX I deposited {$3400.00} in cash ( XXXX {$100.00} bills ) at a Chase ATM in XXXX, AZ. During the transaction the machine jammed and I received a " receipt '' stating " This device has experienced a technical problem '' without any record of the amount. I hand wrote the amount on the top of this receipt and immediately called the bank. Chase issued me a {$3400.00} credit while they " investigated. '' On XX/XX/XXXX they reversed the credit saying " there was no ATM error. '' After providing the receipt, they then admitted there had been an error, but that their ATM team found the machine to be " in balance. '' They refused to issue another credit pending a second level review and put my account into an overdrawn status. This has resulted in missed payments and I 'm now suffering adverse impacts to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with fraud alerts or security freezes

Complaint: I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. 
As soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. 
I was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle " paid '' services. 
They quote the need and ability to monitor multiple agencies citing the fake XXXX " breach '' as their primary reason. These two obviously have a partnership in this scam. 
With XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit 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 explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.

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 05/18/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Home Loan Center, Inc. (GA).
Issue: Problem with cash advance

Complaint: I was told to purchase {$200.00} worth of  XXXX  cards and to read the scratch off numbers on the back of them off to them and I would get a loan of  XXXX  dollars refunding me the money for the cards they said they just wanted to get me familiar with the cost of paying the loan back so I did it and then they wanted me to buy {$400.00} worth of  XXXX  cards after that to proceed the final process and being my first time ever doing a loan I did n't know how it worked and not until they asked for the {$400.00} worth of cards did o realize it was a scam and I asked for a refund for my {$200.00} and they laughed and said noo and they sent mee texts and everything saying my loan was approved and it said the name of the company was lending tree and all of this happened on  XXXX     2017  and o was wondering if there was anyway I can get my money back as they left various numbers from which I called them from and they said they were in  XXXX  with  XXXX  and  XXXX  being the primary numbers they used with the managers name being  XXXX  and the other number the mans name was  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This complaint is part of an ongoing issue with Navient in which my loans have been significantly mismanaged, resulting in improper loan amounts being displayed on their website with additional, fabricated interest amounts appearing, etc. Please see my prior complaint for more details. 

Most recently, Navient escalated my case to the " Office of the Customer Advocate, '' where I spoke with " XXXX '' at XXXX, extension XXXX. Although I signed up for automatic payments approximately four months ago, the amount has not once been debited from my account. Instead, my student loan payments appear as " late '' on the Navient website each month unless I pay manually. I resubmitted my application for automatic payments and, according to the website, it is complete, but my loans are still not being debited from my account. The first time this happened, I called XXXX back and spoke with him about the issue, and he said he was submitting a manual payment to take care of a loan amount that was several weeks late. He never submitted the payment. I tried to call him back again, and he ceased answering his phone or returning my calls, despite my leaving several messages and speaking to a " supervisor. '' I remain required to make manual payments every month despite the Navient website claiming my payments will be made automatically. 

In the screenshots I 've attached, please note that the payments are pending only because I submitted them manually prior to taking the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX regarding an account with XXXX CO. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. I made the payment in full of {$840.00} which was withdrawn from my bank account on XXXX XXXX, 2016 ( please see attached payment receipt and bank statement ) and as of XXXX XXXX, 2016 XXXX XXXX XXXX is still reporting my account as OPEN and " Placed for Collection '' ( please see attached Credit Report excerpt ).

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 07-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: When I opened my accounts at Wells Fargo, I was asked if I wanted overdraft protection. I declined the protection and specifically indicated that I would rather the transactions be declined, if indeed the funds are n't available in my account. In the last month I have been charged for XXXX overdraft fees and XXXX for a transaction as little as {$4.00}. This is ludacris. I have lost my income and I now have a negative balance of {$110.00}. I have emailed and called the institution and asked why I am being charged overdraft fees when I have declined the protection with no help at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2016 about Debt collection (Medical) with Collection Bureau of Kansas, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has been thru over 16 plus years trying to collect a hospital bill which I believe was fully paid thru my husband at that times employees XXXX, under the name XXXX XXXX. I have talked to a woman at XXXX XXXX hospital who informed me they do not have any way to do anything for a bill that old. He had me arrested years ago an now again there is a bench warrant just put out for me. I called his office upon this times notices and was told I did not have to appear at these, just ignore it but try to find any proof to take me off there court list. It was a young woman. I had appeared at courthouse in another county XXXX for this same bill about six years ago. No court. I just had papers given to me. They were told any years ago it is paid thru my husband s ins. He used to call all hours an threaten to have e arrested if I do n't pay. He leaves me alone for a few years then out of the blue it 's like we never discussed it previously. I am XXXX almostXXXX and XXXX. His paper said something to the effect that it would n't be a hardship for me to come to XXXX to an asset s court date. It is. I was told that if I go it 's an admission that I agree with the debt. As I can not allow myself to go to jail I feel I under much protest have to pay this again, after 16 years of trying to reason with ppl in his office that answer the phones for him an deal in his behalf. XXXX, Kansas. I am very afraid of him becoming angry an trying to get an keep me in jail or something mean, years ago he proved he can be really mean mouth an not even listen, an threatening verbally. As more proof of his business nature 's ways I also have him on another bill again it 's paid it 's my current drs office they say I do n't owe an my medical card was backdated three years when I became XXXX. I ' ve explained this the same as the other but to no avail. He leaves e alone for a while then bam another post card or paper wants money for a bill my medical card has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with RMB, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I incurred a medical bill due to the deductible being owed, which I do not dispute. Prior to the XXXX, I was contacted about paying the deductible, which I did not have in full at the time so I paid {$500.00} of an approximate {$3900.00} deductible. After the completion of the procedure, I received the invoice for the balance and immediately contact the hospital billing department to make payment arrangements. Of an approximate {$3400.00} bill, I agreed to pay {$250.00} per month until the bill was satisfied. I made approximately XXXX payments of {$250.00} when suddenly I got a collections notice from a debt collector. I immediately contacted the debt collector, and expressed my disappointment that the bill had gone to collections, especially since I had been making the substantial {$250.00} per month payments. Nevertheless, I assumed responsiblity for the bill, and agreed to a payment plan of {$200.00} per month until the debt was satisfied in full, or of which time I was able to take advantage of a reduced offer of settlement. After XXXX payments, I happened to check my credit report, and noticed this account was reported as delinquent, and it had negatively affected my credit to the tune of almost XXXX points. I was never notified either by the hospital ( the debt owner ) nor the collections agency, that my credit might be negatively affected. And, since I had been make regular substantial payments on a debt that would have been satisfied within a year, it never even occurred to me that that might be the case. I was never late with any payments. I never disputed the debt, and did assume responsibility, and had been making regular substantial payments. Since, I was never informed that my credit might be adversly affected even in the wake of making substantial and regular payments, I feel I was deceived by the collection agency, as well as, the hospital that was the original owner of the debt. In fact, on several phone calls, I even brought attention to the fact of my desire not to have this situation negatively affect my credit rating. At no time, was I informed that this was even a possibility and was completely taken by surprise at the negative impact this debt had take on me personally. I feel the hospital and collection agency acted in bad faith, in accepting a payment plan that would have eliminated the debt in realistic time, but never advising me that payment plan would still result in a negative report on my credit. Otherwise, I would have paid much less per month as would have been less of a burden to me. However, in an effort to satisfy the debt as quickly as possible, and not be negatively affected in my credit report, I made payments in much larger amounts than was comfortable for my family and our monthly expense ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation