milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: 1st Merit closed my direct deposit checking account and sent it to collections for unpaid overdraft charges. The USPS sent 2 direct deposit payments to the closed account totaling XXXX. 1st Merit seized the funds directly for an obligation totaling XXXX instead of properly following Michigan debt collection law or establish a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.

Company response to consumer: Closed
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I paid settlement amounts as agreed upon by Key Bank Educational Loans using a home equity line of credit. I paid XXXX and XXXX and XXXX to Keybank to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Account opening, closing, or management

Complaint: I have had XXXX accounts at first merit bank for over 20 years. 10 years ago I started selling items for individuals and occasionally have small estate sales. My accounts have always been individual rather than business accounts. In XXXX the bank manager said the bank flagged my account for having too many checks deposited. She informed me they wanted me to change to a business account or to supply 2 years of tax returns to prove I was claiming income from the liquidation of personal property. I complied and gave XXXX ( the other manager ) 2 years of my tax returns which were supplied by my accountant. I had assumed since I had shown that, in fact, I had claimed all income the issue with the accounts was resolved. A few weeks later I received XXXX certified letters stating that all of my accounts were being closed. Quite stunned, I called first merit and spoke with XXXX ( downtown ) and she said they were closing my accounts. I asked why. She said they did not need to explain why because they could terminate a relationship with any of their clients at any time. I had explained that I supplied what they had requested from me, and still wanted to retain my accounts. She said she would submit a request to keep the accounts open & would check to see where my 2 years of tax records showed up. I called her back 3 days later and she said since I did not give them the tax records ( which in fact I did ) as XXXX another teller at the branch confirmed that I did, they were still closing the accounts. I was never given an honest or appropriate reason that the accounts were being closed. I had done what they asked me to do. I believe this is CLEARLY a case of DISCRIMINATION and would like to allow the First Merit bank to explain their actions before I escalate further action against their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've disputed this public record account with Transunions 3 times certified in which I requested validation of proof, of this public record account. On XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX/XXXX/2016 transunion constantly sends me a credit report that states " verified '' attached is the letter requesting validation of proof 3 times. I mailed each letter certified each time I receive a credit report that states " no change verified ''. I 'M requesting validation of proof on letterhead of the person that verified this public record. NOT a credit report stating " NO CHANGE VERIFIED. I attached a letter from the federal courts showing they did not verify this account transunion is the only credit bureau giving me a hard time to delete this account. The account number with transunion for this dispute is 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 04/20/2016 about Debt collection (I do not know) with CITIBANK, N.A. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested XXXX to provide details on how the alleged amount of {$1000.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account. As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.

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 08/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection agency named " Commonwealth Financial Systems, Inc. '' Located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, are also owners of " Northeast Credit and Collections '' which are switching Debt information back and forth to XXXX, XXXX after each challenged dispute, re-attaching the debt as new each time, making it impossible to remove from the Credit Report. 

After it was disputed many of times This company had re-attached it once again. I have letters, forms, that prove this. 

And this also is not the first time this company has done this. 

XXXX has record of wrong-doing by this company as well. 

What forms will I need to resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with JPMORGAN CHASE & CO. (MT).
Issue: Sale of account

Complaint: Had a Chase credit card from XXXX to XXXX. Interest rate was rased to 31.99 %. My account went over the balance. I rec 'd harassing phone calls at work and home and to a co worker even asking for them to stop and explaining was disputing the increased interest charge. The calls continued and threatened with legal action unless I paid immediately. I was offered a one time opportunity to settle the debt in full for a reduced amount of debt. I agreed and paid in XXXX. Now as of XXXX XXXX I am being threatened with lawsuit from Attorneys who represent a Massive Junk Debt Buyer. 

The billing statements received from Debt Buyer show the payment with Payment Program on copies of bills they sent me and the account is listed as closed but they continue to bill and charge interest, late fees, over the limit fees and show my available credit on following statements as well as an attempted payment months later.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX  ,   XXXX  ,   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Ag encies are supposed to verify received from creditors before this information is added to your credit file.   Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the

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 12-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: I had XXXX different accounts with Bank of America ; credit cards, a mortgage, etc. Many were paid off and closed naturally. XXXX of the cards were placed in a payment plan as part of a settlement. The settlement was paid off and the accounts were closed. Bank of America was supposed to mark those accounts closed and paid. They only did this with XXXX card. After several disputes with them, they finally fixed it. I have been constantly contacting them as well as via the bureaus to correct the other card which was part of the settlement and they up until now have refused and continue reporting this on my credit report as an outstanding and open debt. Finally, the credit bureau ( XXXX ) told me that if I wanted to obtain the copy of the proof BOFA is claiming that I have to contact Bank of America directly. I have contacted them and spoken to many representatives including management and up until now, they have yet to come up with or show me any proof that this debt actually exists and/or is still outstanding. Meanwhile, they have definitely hurt my credit by constantly reporting the false information to the credit bureau. I have had XXXX accounts with them and all accounts but XXXX state paid in full but this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've called every day for the last 4 days, and spoke with representatives and supervisors ( at least that 's how they identified themselves ) and I 've been told different and sometimes conflicting information each time. Each day the people I 've spoken with give me false information and interest accrues. That is not fair or legal. I 'm trying to settle my account. 

They say the settlement is being sent to their processing department, but when I call the next day to make sure it 's in process they say it was rejected for some different reason, even issues like an invalid email address which is a lie, we have communicated via email! 

They 're giving me the run around and each day charging me more and more money. I just want to pay them but they wo n't provide documentation of the settlement and keep charging me money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named  XXXX  informed me that I owe {$600.00} t o NFCU f rom  XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in  XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since  XXXX , I have filed for bankruptcy in  XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to  XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a Credit card with Capital One CC. I charged something for some one else, and sent in his check to pay the bill. Capital One has now frozen my credit card, and kept over {$2200.00} in cash rewards. They called the issuer of the check, who confirmed that he gave me the check, but they still wont unfreeze my card or give me back my rewards cash

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the people affected by the equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: I think it sucks that Capitol One Checking does not tell upfront about needing a savings account opened before you apply for their online fee free checking account. It really was a waste of my time after learning about this policy of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: XXXX back in 2012 was the worst serivce that i had and they charged me XXXX for no serivce or no coverage.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a hard inquiry on my Equifax from XXXX on XX/XX/16. I was not asked permission for XXXX XXXX XXXX or XXXX to run a credit check on me, they also did not disclose that they were going to run the credit check to me. I was an existing customer with XXXX XXXX XXXX during this time seeking a discount. During my conversation with the retention department representative he recommended that I switch my TV to XXXX and keep my internet on XXXX XXXX XXXX to save more on my monthly bill. During this conversation I was told they needed my social security number for " security reasons ''. I remember specifically asking if they were going to run a credit check on me to which the representative replied " no, they won't ''. After I viewed the hard injury on my report I promptly called XXXX XXXX XXXX and XXXX to remove it. After several phone calls and confusion from the XXXX XXXX XXXX and XXXX staff they referred me to their legal team address to mail a physical letter. I then sent a detailed letter to their legal team address explaining what happened and politely asked them to remove it. Its been nearly two years since I sent the letter and I have not received a response or had the hard inquiry removed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Auto) with BMW Financial Services NA, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BMW Financial Services can not validate this account. BMW Financial Services fails to show my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.

Company response to consumer: Closed with explanation