milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2018 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. 

Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. 

I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. 

I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.

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 10-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.

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 12/24/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Customer service / Customer relations

Complaint: CHASE CARD MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM CHASE CARD

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: Yesterday, we received our Chase Visa bill, which contained a {$25.00} late fee and {$5.00} interest charge on a prior balance of {$430.00}. Trouble is, we had paid the bill in its entirety, and on time, as we have for the past XXXX years. When we received it, in late XXXX, I set it up for electronic payment with our bank for XXXX XXXX, a Friday. It was due on XXXX XXXX, a Sunday. The bank paid it on time, and when you pay electronically, the money is received a few moments after it 's sent

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I attended a meeting with Chase ( XXXX ) to refinance my mom 's mortgage loan as her Trustee and DPOA. Chase has the POA on record for her existing accounts. When I arrived at the appointment with the LO, I brought my mom 's most recent XXXX award letter and informed the LO that I was a Mortgage Audit Supervisor. He read allowed a disclosure to me based on the purpose of the meeting and disclosed that before he could take my application, he needed me to provide additional documentation which included previous income, bank statements, etc. This seems to violate Section 19 ( e ) ( 2 ) ( iii ) Verification of Information because Chase is requiring me to provide them with  documentation not only before submitting an LE but before I can even complete the XXXX Application. My mom banks there so they can see her XXXX income directly deposited, her Rental income directed deposited, and her assets. However, I was told to come back once I had all of the documents and my appointment was cut short. Please assist in enforcing the section on Verification of Information prior to being allowed to complete a Loan application. Even though I am in the industry, I felt discouraged in completing the application based on that type of flattened disregard of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion continues to report information that is inaccurate even though I 've disputed it several times. Transunion has not verified the information since XX/XX/XXXX and XX/XX/XXXX therefore it should be removed. I am being discriminated against by Transunion.

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 01-03-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I spoke with XXXX XXXX in XX/XX/XXXX and twice in XX/XX/XXXX regarding my new repayment plan. My repayment amount went from $ XXXX/month to $ XXXX/month. I told XXXX every time we spoke that I could not make that payment. I submitted two requests to change the plan as well as documentation of my expenses as requested by the numerous XXXX personnel I spoke with. I told them every time we spoke that they were absolutely not authorized to take {$520.00} out of my bank account on XX/XX/XXXX. XXXX ignored me and took the amount out, unauthorized. I called three times on XX/XX/XXXX and spent over 1.5 hours on hold during that time. I have submitted a third repayment plan request at the instruction of XXXX. XXXX will not return the {$520.00} and my bank is not able to stop the payment because it has already gone through. Every person I spoke with was either unhelpful or rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About a six months ago, I received a dunning notice in the mail from Procollect , Inc, which is a third party collection agency located in XXXX, Texas. Apparently, this notice was sent in reference to an alleged debt that was created by a broken lease from XXXX XXXX XXXX, located in the same city. 

On XX/XX/XXXX, I mailed Procollect, Inc. a letter requesting validation of this alleged debt in accordance to Texas Finance Code 392, which states that a consumer has the right to request full proof of the validity of a debt -- along with some kind of formal proof of contractual obligation which binds me to said debt ( i.e., a contract with my signature on it. ) Procollect, Inc. received my debt validation letter on XX/XX/XXXX ; and therefore, had until XX/XX/XXXX to furnish this information. 

About two weeks later, I received a response in the mail from Procollect, Inc., from what appeared to be an attempt at debt validation, but after full careful review of those documents ; unfortunately, they 've fallen short of the XXXX 's full validation guidelines.

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 10/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient ( Student Loans-buyer of XXXX Original Lender Handler ) Makes harassing phone calls using several Different numbers : Toll Free # XXXX ; XXXX ; XXXX ; AND UNKNOWN NAME { ID # XXXX } XXXX ; XXXX ; XXXX ; XXXX. Also Navient has used a " Shadow '' ID # As : Solution Research A : XXXX ( Source ID verified by call back ). All above # s have been used on Average of 10-12 Times per day beginning at " shortly '' after XXXX Sunday thru Sunday on a constant continual basis. Additionally, the aberrant # XXXX used were evidently created to appear non-descript, however, upon my answer or return call " pick-up '' person would immediately voice a rehearsed disclaimer : " Your call may be monitored or recorded '' no additional comment as is Common on such disclaimer e.g. "... for training purposes. '' Afterward, the Authorized representative would immediately ask me to verify my : Name, SS #, etc. ; and then commence saying '.. .we are Navient Student Loans Attempting Collect and Outstanding Debt. BUT although I have spoken to separate individuals on multiple occasions regarding my debt and financial Inability to pay : apparently, it did not matter. I was transferred to several others to discuss my financial indebtedness but to no avail. SO I have refused to speak again on the matter Knowing I will go through the whole matter again i.e., It now has become HARASSMENT! 10-12 calls per/day on XXXX primary XXXX # in addition to the flagrant use of the others to try and catch me " OFF-GUARD '' i.e, trick me/bait and switch. Finally, given the multiple DIFFERENT numbers used and daily disturbance in violation of California Consumer Law : Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. ) There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.Therefore this harassment as above stated must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Auto) with Duncan Solutions, lnc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX, I recieved a letter of unpaid debt collection in which i was not aware of till 2 days ago. i recieved a bill of {$75.00} in which I do not carry a XXXX account therefor, resolting in no use for the XXXX XXXX. I want to correct the violation mistake XXXX has caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 

1. XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 4/ XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5.  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) 5.XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards

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 12/19/2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Bull City Financial Solutions ( a third party collection agency ) has obtained information that may be mine through XXXX without my consent or knowledge and it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Prepaid card (Gift or merchant card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing, opening, or closing account

Complaint: I purchased a car-wash card from XXXX XXXX XXXX XXXX in XXXX last XXXX 2015, which I used until the fall when the business was sold to another company, which I was not told. When I drove into the car wash, I learned that I could no longer use the remainder of my prepaid washes. My car was inside the car wash so I had to pay again & was told that they will not let me use the rest of my paid washes. I want a full refund. I was a customer for 15 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have fallen past due on my credit card a couple of months. I have been paying but not the full amount. I am only behind 1 month now and only for {$240.00}. Not a substantial amount but still behind. I have been receiving calls and voicemails daily, literally daily and that includes weekends. Have made payments to prevent myself from falling multiple months behind but I still get calls every day.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In response to you CFPB response " We were not able to verify that you were advised that Wells Fargo Dealer Services ( WFDS ) would be waiving the final payment on your loan, nor was there a reason for the payment to be waived '' I was not advised that Wells Fargo would be waiving the final payment, but that option was presented to me by whomever I was speaking with in the Presidents office at that time. What I did not know at that time was that I should have been provided a CASE NUMBER ( none was offered ). 

In the interim, I waited for a response from Wells Fargo for the request to waive the last payment offered to me by the Presidents office employee. 

No response arrived and my wife made me aware that the account was delinquent. 
The final amount was not an issue and I would have paid it IMMEDIATELY had the offer to waive that same payment had not been made to me. It makes NO SENSE to me at all to ruin my credit by shirking my responsibility of paying the last payment after paying EVERY OTHER PAYMENT. 

Due to the incompetence of the Wells Fargo PRESITENTS OFFICE staff, this situation has been created this absurd round of communication by myself and my wife and is usurping a great deal of my time to try to get Wells Fargo to take responsibility for the situation that they created. 

I dont need Wells Fargo to admit that they made an error ; I dont need Wells Fargo to admit that they have incomplete notes and are not able to verify that their employee made an offer to waive the last payment, I do need Wells Fargo take responsibility for creating this situation and correct the credit reports delinquency entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 03-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, I sent a procedural Request For Dispute letter to Equifax Credit Bureau listing several negative items I wanted investigated. I sent this certified mail and it was received by Equifax on XX/XX/XXXX based on the tracking information. These negative items were hurting my credit score, and as such, my quality of life. I, and they, know that they have 30 days to respond to my letter, 45 in some instances. I waited on them to respond for a full 60 days but I never received anything from them at all. No correspondence in any form, at any time. This is in clear violation of Federal Law. I then proceeded to send Equifax a Failure To Respond In 30 Days letter, Certified Mail Return Receipt on XX/XX/XXXX, which was received by Equifax on XX/XX/XXXX. I did not ask them to investigate at this point, as they had their opportunity 2 months prior. I asked them to abide by the law and by Federal guidelines and remove the listings I disputed, as per Federal code. I have not received any correspondence from them concerning this matter. Credit Reporting Agencies MUST abide by the laws and statutes set forth by the FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When I accessed the Capital One credit card site on the internet to pay my monthly bill as I have always done, there are a number of questions trying to get me to update my income. It will not allow me to bypass it to pay my bill. I called and complained, and they agreed to take it down. Today, I tried to access my account again to pay, and the same questions came up, and not allowing me to bypass it. I do n't want to update my status. I am in the process of paying this credit card off, and have a balance of {$1600.00} on a limit of {$3300.00}. This amounts to harassment as I only want to quickly pay by internet as opposed to paying by phone which is a longer process. When I call by phone, there is always a long wait time. It is as if they are deliberately causing me to waste my time because they know that I am paying them off. I 'm wondering if they are trying to get me to pay by mail, which would then make my payment late and entitle them to their ridiculous late payment fee of {$35.00}. I have  a credit score  of  XXXX , superb, and have been a customer of theirs for years. This is uncalled for harassment and I want it to stop.

Company response to consumer: Closed with explanation