milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Debt collection (Payday loan) with Delray Capital, LLC (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I keep getting threatening from calls from an XXXX company that is scam. They are calling from a no caller ID number threatening to contact the local law enforcement in XXXX ms about a loan. They are harassing me to give up bank account information and pay it in full with a debit card. When I refuse they will call my cell phone back to back up to XXXX times a day and have even called my job leaving messages to call them at XXXX. I contacted the Ms Attorney General and filed a complaint they are a scam.

Company response to consumer: Closed
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.

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 04/18/2017 about Debt collection (Medical) with AUDIT SYSTEMS,INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AUDIT SYSTEMS INC   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX  posted to a credit reporting agency without prior notice of right to dispute or pay. In fact The only way I found out there was a possible collection account open was when I received notice from my credit monitoring service of negative posting to my record. This to ok a credit score fr om over  XXXX  to under  XXXX  irreparably damaging my ability to refinance my home. Additionally the telephone number is not functional 50 % of the time therefor they are providing inaccurate contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute via certified mail on XXXX XXXX  2017 to all 3 credit bureaus : TansUnion, XXXX, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from TransUnion were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from TransUnion. I have not received anything from XXXX regarding this dispute and it has been over 30 days. I contacted XXXX about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.

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 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion shows XXXX account as C/O ( Charge Off ) whilst it was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX, XXXX, I XXXX " Navient phone number '', wanting to contact the company to change my address and have something mailed. I chose the first option that XXXX provided. When visiting XXXX once more ( after my situation was said and done ), this same phone number was not an option at all. It had completely disappeared from XXXX. I called the phone number and was connected to XXXX XXXX, who works for XXXX XXXX XXXX, which is located in XXXX XXXX, California. XXXX 's e-mail address is XXXXXXXXXXXX. XXXX 's phone number is XXXX ext. XXXX. She told me she could not change my address or mail something to my home because she works in a different department. She did however tell me I was eligible to be apart of a program that would help lower my monthly payment. She informed me that Navient was going through a lawsuit and over-charging us customers. She said I would pay a little bit more for the first 2 months and once those were paid for, my monthly payment would lower. She said that would happen for a few months. After a year, my monthly payment would be even lower ; this would happen for another year until my student loans are paid off. I decided to register/apply. I had given this woman all of my information ( even though she stated she works in a different department, she said it was still within Navient ) : addresses, social security number and bank information. I had to create a XXXX XXXX XXXX XXXX. I had to E-sign a few different documents. All of this happened over the span of 2 days. On XXXX XXXX, XXXX, I was told by XXXX that {$270.00} would be taken out of my checking account for the month of XXXX. My money was taken out the very next day on XXXX XXXX, XXXX. On my account summary, it shows up as XXXX XXXX XXXX FL and gives this phone number : XXXX. I called the phone number but was only greeted with a voicemail asking me to leave a message. I also attempted to contact XXXX. My attempts have not been successful ; it seems I am being ignored. Unfortunately, I will not be able to have my money refunded. However, I took the proper steps to protect myself. I contacted my bank and they cancelled my debit card. They will also keep an eye out for XXXX XXXX and will stop them from stealing more money. I checked my credit to make sure nothing has been done using my identity. I also put a security freeze on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Other bank product/service) with KEYCORP (CO).
Issue: Using a debit or ATM card

Complaint: Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 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: Account information incorrect

Complaint: I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00}   XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.       XXXX   Last reported :  XXXX   XXXX ,    2017 {$7500 .00} This account  is 7 years old a nd should have been deleted.       XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017 {$3000.00} In Collections/Charge-off

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 03-10-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The reason why I am disputing this matter is because there is inaccurate information on my credit report. The information that is inaccurate is a late payment against me from Kohl 's department store. I contacted Kohl 's department stores regarding this matter and they agreed and removed the late payment on my charge card, unfortunately it was not removed on my credit report. I contacted XXXX and it has been 30 days and the dispute is still open and unresolved. This matter is affecting me because I am in the process of buying a house and the bank needs to see a resolution on this matter or I will be denied a mortgage. Please look into this matter and contact me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Can't stop charges to bank account

Complaint: I am just checking to see if this payday loan company is legal and legit. As of XXXX, I will have paid back {$850.00} on a {$400.00} loan and, if unable to pay the loan down incrementally, will have paid them {$1300.00} in interest by the time the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: New Information Re : Discover Card trying to falsely collect on alleged debt due to a lost card. They continue to knowingly and falsely publish debt that 's not owed which is damaging my credit. I provided the information I have but, they have not reciprocated since this is all alleged and not mine, they have failed repeatedly, will not provide any supporting information. I have tapes. Tapes will show Discover is in violation of Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with Penn Credit Corporation (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problems caused by my funds being low

Complaint: I am currently a customer at Wells Fargo. For the pass few months there have been an excessive amounts of over draft fee 's. This is a result of pending transactions not being processed in the order that they occurred. They are also pulling duplicate debits to charge a late fee. I have noticed that they well have a pending transaction, then remove it because of not have more then XXXX over draft charges in one day. Then the same charge will appear on my pending transactions the next day that they had removed the day before. I have overdraft protection but the limit is {$310.00}. Wells Fargo well reorder transactions to put my in over draft, and reprocess debits that will put me way past my overdraft limit. 

In the last statement ending XXXX XXXX,2016 I had a total of XXXX in deposits, and XXXX in debits. There can be seen to be an excessive amount of over draft fees during the month. I currently have over {$1100.00} in overdraft fees, and over {$450.00} in returned item fees for the year to date report. In the statement before that, ending on XXXX, there was a total of {$420.00} overdraft fee, and {$140.00} returned item fee. With the overdraft protection they have allowed to go way over the supposed limit.This month they have continued to re pull transactions from weeks before to put me further into overdraft, despite my direct deposits. 

On XXXX XXXX, 2016 I called customer service to see if pending transactions could be canceled. The customer service rep said no because the money was already taken out of the pending transactions. However, they are able to cancel other pending transactions and then pull them to try and process again the next day causing more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Struggling to pay mortgage

Complaint: It sure would be nice if someone at JP Morgan Chase cared enough to thoroughly research this matter for a change rather than send the same old replies. I am not going to stop writing about this matter. <P/>I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. <P/>JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. <P/>Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she could not take the payment because our account was under review for a loan modification, ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are recorded for quality assurance and training but obviously no one even cares to research any of what I have been reporting over and over again. <P/>They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. <P/>There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that didnt even seem to matter or account for anything. <P/>The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. <P/>They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Professional Adjustment Bureau of Mid-America, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX, 2018 Talked to supervisor at Professional Adjustment Bureau of Mid-America Inc. who continued to threaten legal action if 10% of debt was not paid immediately. ($XXXX total) I have continued open communication to make notes in the account and arrangements to knock down the total debt until tax returns could pay off balance in full. I made a $XXXX initially and then another $XXXX before XXXX. When I called to make a large substantial payment today (X/X/2018), the associates continued to threaten legal action if I could not come up with 10% ($XXXX) of the money and continue to make $XXXX auto withdraw each month after. I am tired of being mistreated and disrespected, with condescending remarks and being talked down to in a threatening manner. Collections can play by a different set of rules, but not outside the bounds of the law. They prey on the weak and vulnerable using dirty collection business tactics. You can not threaten legal action and use that threat to extort money in order to keep a case or account in your office so credit score and legalities are not effected. You can clearly hear the evidence in the recording of the conversation I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: Went in to Titlemax on XXXX/XXXX/2017 took out loan for XXXX was offered XXXX. Signed all paperwork electronically. They advised everything is done electronically now there are no more paper copies. I have had over XXXX loans with them and have paid all of them off on time. I called back today to see about obtaining XXXX more of what was available, and was informed that I have to wait 33 day waiting period and this was never informed to me, they also said they are changing there products so if I come in after 33 days and obtain additional money it will be based on my income and also, I will no longer be paying installment plans because, they are chaining there rules effect next week. No one sent or notified any of the borrower 's of these changes. This is not fair. You can not just change the rules to make more money, one day. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (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: I HAVE A CHASE MTG ACC THAT GOT TRANSFERRED TO XXXX  XXXX   ON MY XXXX REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL XXXX TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that chase would have to delete it to call chase i call chase talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call XXXX back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from chase for them to take it off or it have to stay on my report to XX/XX/XXXX she said chase have the authority to do it. So i call chase talk to XXXX he said its XXXX  have to delete it he said that chase last report on the acc was XX/XX/XXXX so i call XXXX back and they said its chase that have to do something about it and they reinvestigate it again

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been dealing with all XXXX credit bureaus for almost a year. I also reached out to the companies reporting to validate the debt and neither one has done so. I gave them over 30days and nothing. XXXX act XXXX XX/XX/2010 and XXXX XXXX act XXXX XX/XX/2010 I want them both removed from all reporting agencies. I have disputed them so much that I ca n't even dispute them any more because they have supposidly been investigated but I have yet to receive any proof. Under law they had 30 days to show proof or delete it. Neither has been done. Also they will fall off XX/XX/XXXX on there own because they will be 7 years old. It should not be that hard to get things removed that have n't been proven in 30 days. Sending me a letter for identity theift like these companies did isnt validating a debt.

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