milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Debt collection (Medical) with C.Tech Collections, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: the debt in question was incurred under the duress due to XXXX 's billing tacticts. I was covered under insurance and prohealth was made aware of the coverage but they informed that they did no participat with my insurance company less than XXXX hours before the performance of my surgery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with DISCOVER BANK (MN).
Issue: Billing disputes

Complaint: I took an XXXX online class. This company out of XXXX. My first class was a XXXX XXXX course. I then signed up for the XXXX course AND {$590.00} for the class itself and make XXXX orders for materials of {$590.00} each for a total of {$1700.00}. This was on XXXX XXXX, 2015. But when I started the class I found out that I was in another XXXX course. I contacted XXXX by phone and was advised that it was " no problem ''. I could take the course later and they would " take care of it ''. Despite numerous calls, I did not get a refund I have also not received ANY material. I put a dispute in with Discover which they rejected, apparently because XXXX told then I got the product or service I paid for. I DID NOT. We did not receive the class, a refund, nor the materials. I think contacted Discover and invoked the Dispute clause in the cardmember agreement. Their response was to again reject my Dispute without noting that we received no product nor service, further they reported me to the credit bureaus for making a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors representatives. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : 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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Due to the EQUIFAX data breach in XX/XX/XXXX, a fraudulent credit card was opened using my name and SSN with a bank called XXXX XXXX XXXX.
I reported the the incident onXX/XX/XXXXto XXXX XXXX XXXX, EQUIFAX, XXXX, and XXXX.
XXXX XXXX XXXX closed the fraudulent credit card. XXXX and XXXX investigated and removed the fraudulent account.
On XX/XX/XXXXEQUIFAX sent me an email saying said they closed the investigation. I called Equifax and they did NOT REMOVE the fraudulent credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, XXXX XXXX, EQUIFAX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I co signed XXXX loans for my son years ago with XXXX XXXX now Navient and we have had nothing but trouble from them. At first he would pay his loans on time then fell behind and would pay late but would pay. Anytime I would reply to letters/bills from them asking for help from them it was always 3 options and 3 only. One was that they would reduce the amount owed if he would pay them off ( If he could do that he would have no trouble making payments ) or call to go over his options etc but they offered no real help. We got a call from one woman, who said she was a supervisor and wanted to resolve this and help him out. She explained that " if he would make a {$90.00} payment today, it would bring his XXXX loans current and this would be his new payment. ME : Is this per loan or combined? NAVIENT : This is combined. ME : So {$90.00} dollars is his new payment total for both loans? NAVIENT : Correct. ME : So he will no longer be behind, his accounts will be current and you do what? Tack what he was behind on to the end of the loans and he starts fresh? NAVIENT : Yes. '' WRONG! WRONG! WRONG! This became a " NEW '' loan to which neither of us knew we were opening or agreeing to!! We found this out when they withdrew ( or attempted to ) the {$90.00} and his normal monthly payments from his bank accounts! When I called to speak with the woman ( whose name and info I literally threw out months ago ) I was told " Oh she no longer works here ''. Right. XXXX XXXX XXXX, I got a call from a law firm that I hired to pay off debt I had incurred supporting my mother and my son and his wife while they were in school. They told me to call them regarding my account. My debt was paid off and my account closed in XXXX XXXX. The law firm would n't give them any info and even asked why they were asking about an account with them and Navient said " Oh someone told us ''. They were never even listed in my debt repayment. I thought this was illegal. I asked my son if he mentioned anything to Navient and he said no. These people are crooks who lie cheat and steal. I am a widow on a fixed income for XXXX and can not afford to pay these loans ( I was able at the time I signed and did make some ). I have no pension no nothing left. I pray you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with NELNET, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Firstmark Services, a division of Nelnet, has an automated calls system set up to notify a borrower when his or her account is delinquent. I paid my account yesterday. I received a receipt via email from them. The money was taken out of my bank account yesterday. Despite all of this, I still received an automated call today. This has now happened to me twice. I called to complain and was told that it had not yet been " noted, '' even though the customer service representative told me that I did not owe anything until XX/XX/XXXX. If they have ( a ) taken money out of my account, ( b ) plus I have received a receipt from them via email of the transaction, and ( c ) then been informed by a customer service representative that my account is up-to-date and I owe nothing until the next month, why am I still being harassed by automated calls? This is an embarrassment - it makes me feel that even if I do pay, I am still delinquent. Furthermore, they should NOT be allowed to call you over and over again in this manner, especially if your account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

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 08-01-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: I have been a victim of fraud. On XXXX I notified SunTrust that I had some items on my account that I did not authorize and also noticed that I no longer had my card. I advised them that I last used my bankcard on XXXX at XXXX just to purchase a couple of items. I was told to submit an affidavit for the items that I was disputing and was told that I will have a decision within XXXX business days. I contacted them several times within the XXXX business days to get updates. They came back with the decision and stated that they saw no fraud was made against my account because my pin number was used. I told them I had just recently received that new card in the mail and no one had the PIN other than me. Some of the fraud was made using a XXXX ATM. I went to the branch location where the fraud was done and asked if I can review the video from the camera and I was told that they had no way of showing me. I asked if the video was even reviewed and they could never give an answer which makes me think that it might be a SunTrust employee that is associated with the fraud. I was told by the SunTrust employee that I would have to do my own investigation and submit more proof to them. The associated advised me to go to XXXX to request the tapes to be pulled, which I did, and was told that they do n't have the authority to show me and video surveillance and can only be requested from the bank institution or an investigator. I also asked if a signature card was pulled to prove that the signatures on the back of the check did not match my signature but once again my request went unheard. I am requesting a full refund of all of the fraudulent items including the fees and a FULL investigation from SunTrust in house because I feel that SunTrust has frauded me and is possibly frauding other SunTrust members. The items that I am disputing are 2 checking that was deposited into the ATM one for {$910.00} and {$930.00}. There also was an ATM withdrawal for {$500.00} and 5 Wal-Mart purchases totaling {$260.00}. Also I have been a LOYAL customer with SunTrust bank for over 10 years and my account has ALWAYS been in good standings. I used this account for all of my personal banking needs such as receiving my direct deposit from my employer and paying bills. I have also incurred late fees because I am unable to pay my bills due to the fraud on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Received MasterCard from Bank of America I did not request

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 05-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citibank closed my Sears credit card account without warning, and they sent no notice after closure. They allowed me to continue thinking that the account was open and available for use. When a purchase with my card was denied, I discovered the account was closed. According to customer service the account was closed for inactivity. Inactivity is a particularly poor reason to close an account that only works at a particular department store. How often must someone shop at Sears to keep their account active?
The problems : 1 ) Citibank issued a card with an expiration date, but did not honor it up until the expiry. 2 ) Citibank 's term  s of service ( " ToS '', as of  XXXX  ) did not define account dormancy, thus failing to inform clients on account usage.  3 ) Citibank  's ToS reserves the right to give no warning prior to account closure. While withholding a warning may be appropriate under some circumstances, it 's abusive to give no warning in the case of dormancy clos ures. 4 ) Citibank  did not give notice of the closure after the fact, and the ToS does not give Citibank the right to withhold that information.

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 01/19/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Below sent to Bank in PDF letter To whom it may concern, on XX/XX/XXXXI got an alert via email that a debit of XXXX from a XXXX XXXX in XXXX, FL came through my chase checking account at XXXX XXXX. I was confused as I was home in XXXX and never go to a XXXX XXXX. I immediately called the Chase customer service number provided n the email, once connected I begged the rep to cancel my debit card, only to be passed to another rep who asked me the same questions. During the inquisition two more debits came through my account from a XXXX in XXXX, at this point I begged the rep again to cancel my debit card. Finally he did, but to late as nearly 1000.00 was out of my account. A claim was filed with the fraud department with chase. Keeping in mind this all started at XXXX XXXX. I was assured it would be investigated and researched with these merchants. I looked up the XXXX store number indicated in the debit transaction, I was able to file a loss prevention claim with XXXX XXXX. The store manager for that location did verify my debit card was processed for two amounts of 400.00 plus, when he checked with his front desk clerk, she confirmed someone purchased gift cards? He said once the police or my financial institution contacts the store, he would provide all information and video footage. To my surprise and dismay, no investigation or research was done by Chase. I received an email on XX/XX/XXXX stating the money would not be credited to my account. I called the claims line immediately and was advised it didnt warrant research. After begging and crying the rep re-opened he claim to a higher level. Then notifying me via letter on XX/XX/XXXX it was denied again. I myself called XXXX XXXX who confirmed chase has never investigated. I am disgusted that as a customer this is how I am treated. I live in XXXX and have never had any transactions in XXXX, in addition who spends nearly 1000 at a gas station? Also you have proof I was on the phone with your reps during the two transactions. I have the right for this to be researched properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1. Delta Management began calling me at my work number, demanding I provide PII ( personal identifying information ). I repeatedly refused, as they would not provide their purpose or authorization to possess such information. Later I went to their website, and seeing they are a debt collector, I feared I must have been a victim of identity theft or mistaken identity. 

2. Delta Management faxed my employer, demanding they confirm salary information for a XXXX XXXX. 

3. Delta continued calling me at my work number. I avoided their calls, but read up on how to handle debt collectors. My credit report is clean, which implied I was n't the victim of identity theft. I froze my credit. I am certain I have no delinquent debt ( all reported debt on my credit statement is as expected ). 

3. Finally, I called back the number they left and recorded our call. They said they would not continue to call me. 

4. A month later, Delta sent my employer a letter demanding they garnish my wages. This time they reveal the SSN and address of the debtor. The SSN and address are not and never were mine.

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 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine and was never paid. They never sent anything but still continue to report it messing up my credit costing me lots of money because this debt was from XX/XX/XXXX and they are reporting a XXXX day late as of XX/XX/XXXX which from my research on the internet is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (DC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I 've been a customer of the  Barclays   XXXX   XXXX  Mastercard for 4 years ( opened  XXXX / XXXX / XXXX  ) and requested a lower interest rate on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest.     My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me.     My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in  XXXX  of {$170.00} on  XXXX , Interest Charged on  XXXX  of {$150.00} ; Payment in  XXXX  of {$200.00} on  XXXX , Interest Charged on  XXXX  of {$170.00} ). I was laid off twice in  XXXX , was unemployed from  XXXX  to  XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card.     After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since  XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star  ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a  t the time of application was considered good (  XXXX  range ), I was offered the highest interest rate they offer.

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