milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Medical) with TH Professional & Medical Collections LTD (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector sued me in circuit court and I filed an appearance and a trial date was set. While I was away the debt collector sent my wife a summons to appear for the same case and when she did not appear - the debt collector asked for and received a default judgement that I successfully got vacated. 

This debt originated from unpaid medical claims by an insurance company and I had to enlist the aid of the Illinois Insurance Commissioner to compel them to pay the claims. This took over a year but the insurance company paid on the claims. The judgement amount the debt collector sought to get from the default judgement did not take into account the payments made by the insurance company even though they were aware of the payments that were made. When asked about the payments the debt collector stated " I have a judgement '' ; however the judge vacated that judgement and the judgement amount was reduced. Has I not sought to have the judgement vacated the debt collector would have sought to collect the entire amount of the judgement knowing that at least half the amount they were seeking had been paid already by the insurance company. 

The debt collector verbally agreed to a payment agreement but sent a form - not filed in the court too late for me to comply with the terms of the agreement. The debt collector then filed the agreement with the court 5 days after the payment was due and then filed a Wage Deduction Notice with the court and sent a copy to an employer that I have contractual relationships with damaging my professional reputation. I am now in the process of disputing the wage attachment, but the damage has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however transworld systems picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquiry on my credit for XX/XX/XXXX from XXXX. I have not applied for ANY credit period since XX/XX/XXXX This is an unauthorized inquiry.

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 11-06-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I switched cell phone companies from XXXX XXXX XXXX to XXXX. 

XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. 

This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. 

I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. 

Now I have a derogatory mark on my credit profile because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX18 I checked my credit score with Equifax, as I noticed that this service was the only one that listed a delinquent item in my overall score. I tried for about 45 minutes to take care of the problem online, with no success. There website did not function as purported to. Totally dysfunctional website. Finally gave up and tried to find out how to complain and to whom. Found this website, talked to an agent and got directed to this complaint system. 

The issue involved a mistake made by a kid behind the counter of a XXXX XXXX XXXX XXXX in XXXX, Wa. XXXX XXXX XXXX. It occurred about 3 or 4 years ago. I discovered that this XXXX XXXX XXXX was taking money out of my account to pay for a loan account that I had a credit card for. When I discovered they were deducted money from that account I decided to close the account. I specifically told the kid to cancel my account, which I discovered during the data breach where everybody 's personal information was hijacked. I then took care of it, I thought. Apparently, Equifax didn't get the message. They continue to show a delinquency that affects my credit score. I actually went into the credit union 's branch in XXXX, Wa. and told them of the problem and they retracted the delinquency notice. I don't know why Equifax ignored the results of that retraction when the other 2 agencies abided by retraction. I tried to communicate with that operation but was unsuccessful due to their website being so dysfunctional. I need help getting the message to this " company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX has 3 different times denied my XXXX Loan Forgiveness ( I've XXXX  for 6 years in a XXXX XXXX XXXX  and still XXXX  here ), because of arbitrary things like " The date wasn't filled out in DD/MM/YYYY format ''. The issue is I'm STILL XXXX   at my XXXX, so despite my principal writing Currently Employed in the " End Date '' field, XXXX denies me for the above reason, which makes no sense. I've tried 3x to receive customer service and each time received circuitous or repetitive responses, and it feels at this point that they are actively trying to deny new applicants for whatever loophole reason they can find. I have PDFs of my application as proof of this if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I was notified by bank, XXXX XXXX XXXX that I may be the victim of identity theft. Apparently, someone tried to open a credit card under my name at XXXX XXXX XXXX. I was told to check the XXXX site to see if my information had been stolen. It had. My credit score was XXXX. It went down to XXXX. Someone tried to open 14 different credit cards in my name which now show as hard inquiries on my report. This is devastating to me. I notified each credit beareau and started a disoute process to have the inquiries removed and I have heard nothing back. Only XXXX is going to offer me lifetime credit monitoring. Thanks but whats that going to do with the hard inquries that are now on my report. I wrote personally to transunion to resolve this on XX/XX/XXXX. It took me month of hard work to fix my credit and now its completley ruined.

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 04/24/2015 about Consumer Loan (Installment loan) with Concord Resolution Inc (Closed) (WA).
Issue: Managing the loan or lease

Complaint: I do n't have a delinquent loan. I have received XXXX calls each day for the last 2 months. They claim I have debt and threat legal action, they use several legal terms and it is ALWAYS a message, never a live person. Harrassing messages daily on my cell phone, with no details or specifics. Claim they are called CONCORD RESOLUTION..

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail. 

A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it. 

I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation. 

Now I am stuck in California permanently, and without access to my funds. 

I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .

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 02/26/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One Credit Card through Costco * Debt originated from automatic annual Costco membership fee of {$55.00} * Attempted to close this account since XX/XX/XXXX, as his Attorney in Fact. 
Capital One refused to accept my valid Power of Attorney ( Attorney in Fact ), along with my valid, current drivers license for identification, even though it was faxed, mailed and emailed to them multiple times. 
Capital One would not discuss the account with me or my attorney. 
* The referenced debt is indeed invalid and is comprised ONLY of late fees and interest Costco eventually refunded the membership fee to me. 
I sent Capital One the {$55.00} owed to them. They promised to reverse the interest and late fees, but have not done so. 
Capital One sold the account to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
My Fear is the submission of a lien against the Estate collect this false debt. 


I am enclosing the following additional documentation : Enclosure 1 : A copy of your letter to XXXX dated XX/XX/XXXX. 
Enclosure 2 : A copy of Capital One letter requesting my personal data dated XXXX. 
Enclosure 3 : A chronological summary of events covering the last year of dealing with Capital One Enclosure 4 : A chronological copy ( newest to oldest ) of faxes sent to Capital One. 
Enclosure 5 : A copy of my Power of Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.

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 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: This car loan has been paid in full.. I have requested to be removed from my credit report but they have not done so. I have not received any response from this company. This has been showing on my credit report as current but the car loan has been paid in full and should have been sent to all XXXX credit reports to be removed from my credit. 
I have another car loan with them that is correct but this account should have been removed. They are not willing to help me at all and are not giving me any information whatsoever.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've contacted every single month since XX/XX/XXXXto now and no one not even Wells Fargo Executive can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that Wells Fargo has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

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 07-11-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been reaching out to IQ Data since XXXX 2016. The right of subrogation does not exist for volunteers or a stranger to the transaction. 73 AmJur 2nd, Section 90. 

I have requested validation from the company and was supplied with inaccurate and incomplete information. 

They have never been able to furnish an accurate, valid, original copy of the original contract that was signed with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (I do not know) with Atlantic Credit & Finance, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting repeated phone calls for a debt of some kind for someone I do not know. I think they are looking for someone named XXXX. I have asked them to stop but they call twice a day at least from multiple numbers.

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