milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with Servatus Corporation (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with Complete Credit Solutions, Inc. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Request more information about this debt, under my name XXXX XXXX XXXX, singed for me amount and description of purchase and date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX handled my student loan from XXXX, XXXX, XXXX. I noticed that XXXX utilized a glitch to charge more fees/interest to students, and upon review of XXXX payment history, it appears XXXX also utilizes a glitch to collect more fees/interests as well. 

XXXX responded to complaint XXXX in which it referenced XXXX practices ' in regards to my student loan, so before this case goes to court, XXXX has an opportunity to resolve any discrepancies. 

Fact XXXX. I began paying back this XXXX year loan to XXXX in XXXX XXXX. 
Fact XXXX. The beginning balance of the loan was approximately XXXX 
Fact XXXX. I was only required to pay back XXXX per month starting in XXXX XXXX. 
Fact XXXX. From XXXX XXXX to XXXX XXXX XXXX XXXX total months XXXX, I paid XXXX XXXX XXXX XXXX doc ). 
Fact XXXX. If I was only required to pay back XXXX per month then $ XXXX months paid. 
Fact XXXX. Since XXXX months paid, that equates to XXXX years, XXXX months. 
Fact XXXX. Since I started paying back in XXXX XXXX, XXXX years, XXXX months after that is XXXX XXXX. 
Fact XXXX AES XXXX processing my loan in XXXX XXXX, and at that point, I was already XXXX years, XXXX months ahead in paying my loan. 
Fact XXXX XXXX XXXX that I was late in XXXX XXXX, which was false. I was ahead. XXXX assumed I was late and did not consider payment history when making false assumptions/decisions. 

Fact XXXX XXXX XXXX reporting that I was late with XXXX XXXX when this is not possible, as seen in the payment history, I paid more than the required amount. 

Fact XXXX. XXXX refunded me late fees in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX because the system it uses has a glitch that automatically charges late fees when the student is already ahead. I did not ask for these refunds, however, it appears, someone within XXXX recognized that I was in fact ahead in my loan, and refunded me accordingly. 

Fact XXXX. Since XXXX is reporting that XXXX considered that I was late in making payments, I need documentation relating to those facts, otherwise, when a lawsuit is filed against XXXX, I must also file against XXXX. 

When borrowers pay back over XXXX in under XXXX  years, and when the starting loan is under XXXX, it can easily be seen that the borrower was ahead several months. However, since the loan was transferred to XXXX in XXXX, XXXX, the late fees that were previously refunded in XXXX, XXXX, XXXX due to system glitch caused XXXX to think that my loan was late when it was not. XXXX XXXX not have reviewed loan properly before it was transferred, however, XXXX needs to review it now and verify that I was in fact ahead by over XXXX years. Documentation is needed so it can be relayed to XXXX, and this will help XXXX to avoid costly litigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 mailed a letter to Experian on XXXX XXXX 2017. I sent in a letter requesting Experian not the creditors, to validate specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. Experian is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Experian to do. This letter has nothing to do with the creditors. I am specifically asking Experian to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.

609. Disclosures to consumers ( a ) INFORMATION ON FILE ; SOURCES ; REPORT RECIPIENTS. -- Every consumer reporting agency shall, upon request ; and subject to section 610 ( a ) ( 1 ), clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request *I also sent Experian a photo copy of my Drivers License and SS card*

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 07/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: there are XXXX issues with my bank account at chase bank. the first is from XXXX 2014 that I want to bring up. I was traveling to XXXX and requested XXXX currency to take with me. I asked about any fees with that the currency transaction and they said " no ''. I asked more than once. later after I received the money I found out they use a lower transaction rate ( a fee in effect that was very high ). I tried multiple times to return the money as I was misled and they said they could not do that. I feel that this was a very misleading practice from chase - saying there was no fee when there really was in the form of a lower rate. I was going to let that go ( obviously I did not file anything with the cfpb ; I did complain to chase and they did nothing ) but recently there was another troubling issue so I thought I would it add it as well. the most recent issue occurred in the last couple of months. all of sudden the address on my account changed - to an address I used over 10 years ago! ( and to add ... I had closed all my account back then and left chase when I moved away - then when I moved back I opened a new account about 3 years ago. ) I found out when I went in the local branch and they asked me to verify my address. I gave them my current address and the one before that and they said both were wrong. finally they told what address was in there and I was very perplexed as to how that could happen - that a 10 year old address would be there. they said they would look into it and email me ( they wrote down my email ) or call me. I never heard a word form them ( including the manager who was there and said she would handle it ) so i wrote to chase online to try to get answers. so, I have asked about it and no one will give me an answer. when I sent an on line message to get answers they say they will only call - not document anything - and they said they tried to call me but said the number they tried was no longer in service. I checked my chase profile and my correct phone number is in there. anyway, I am very concerned that they would just change my address for no reason on an old account - what else could be changed that I am unaware of?? the old address was also used by my ex wife so i 'm not sure if she had access to any of my acocunt. it 's very scary and upsetting. I 'd like to know what happened and how they are going to ensure it does not happen again. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, 2016 XXXX XXXX XXXX XXXX processed a request for a change of address to a fraudulent address. I recieved the copy of the address change in the mail thus alerting me that is fraud activity. This enabled the thief to utilize my visa card, change the address and have access to confidential information. This accelerated an additional fraud with XXXX giving access to both accounts .... as the statements were mailed to the fraud address of : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
A report was filed with The City of XXXX Police, case # XXXX : XXXX, as well as with Credit XXXX Bank .... the original offender and XXXX . 
XXXX XXXX XXXX has refused to remove the fradulant fictitious address information from My Equifax credit report.They were the original ones that caused the felony. 
XXXX has processed the claim and credited back ALL of the fraud charges. 
XXXX had corrected the address.as the fraud claim is still ongoing. 
I am XXXX in Florida. 
It is imperative that the incorrect Fraudulent address be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I applied online for a Kohl 's Charge card and was accepted. I provided complete and truthful information and was approved. I have used the card for purchases and paid in accordance with the terms of the card. In fact, I have paid more than the minimum amount due and owing. 
On XXXX XXXX, XXXX Kohl 's sent a letter canceling the card, issued by Capital One, claiming they " observed activity ... not consistent with our expectations.. '' They have REFUSED to disclose the basis for the decision. I believe the basis is DISCRIMINATORY in nature and not supported by any facts or circumstances. I believe their decision violates the law and my rights as a consumer. CAPITAL ONE has been the subject of a prior complaint for issuing me a card through a different vendor and doing exactly the same thing although I adhered to the terms of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion was contacted on XX/XX/2017 via certified mail, signed receipt received on XX/XX/2017. The agency has not completed the investigation, nor did they notify me of their results. It has been over 30 days and a clear violation of the FCRA. I request the disputed information be deleted from my record.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I received a letter from Transunion dated  XXXX   XXXX ,  2017  stating that they have verified  a Public Record  of Bankruptcy. I sent a letter to Transunion in response to them on  XXXX   XXXX ,  2017 . I stated in the letter that I would like for them to show me proof of their verification, and any documentation bearing my signature. They have not done that. They have sent a letter dated  XXXX   XXXX ,  2017 , stating that they have verified the public record, and updated the information as well. THIS IS NOT WHAT I ASKED FOR!!!!! They do not state where the information was obtained, and if it was not obtained from  the Court, this needs to be removed ASAP!!! I will be sending the Attorney General a letter, along with reporting Transunion to the BBB as well. This is defamation and fraud.

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 02/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have student loans with Navient and I have not been able to make payments that are affordable. As a result they keep throwing me into forbearance as an option and the loan and finance penalties have ballooned to {$120000.00}. I am scared I will never be able to pay it off.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 Equifax was purportedly made aware of a breach of 143 million customer 's SSN # s, addresses, credit card numbers, drivers license numbers and other sensitive personal information. Rather than acting immediately to make consumers aware of this breach, they waited over a month, dumping roughly $ 2M in stock before publicly announcing the breach. Not only should Equifax executives be criminally investigated for insider trading and securities fraud, Equifax should be held liable for negligence to properly protect extremely sensitive consumer information they obtained without consent. Furthermore, they should be held liable for all fees and expenses incurred as a result of this breach - fees paid to freeze credit, fees paid to monitor credit, legal fees incurred, etc. Equifax 's offer of 1-year free credit monitoring is not only a way to reel in customers to a recurring service, but a laughable solution to this breach. This information can be used against consumers for the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I walked into the chase branch XXXX to pay off the mortgage balance of {$49000.00} with a cashiers check. The teller incorrectly applied the payment to an auto loan with an excess of {$27000.00}. They have not been able to return the payment to apply it to the mortgage. I need this payment to be processed in order to close on another mortgage TODAY. I have spent countless hours trying to resolve this and no one can reverse the transaction until next week and they hold the money another 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 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 status incorrect

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( Transunion ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016

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 05/28/2017 about Debt collection (I do not know) with NCC Business Services, Inc. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: O n    XXXX   XXXX    ,2017   I  sent  NCC Business Services a  pay for delete letter and a {$50.00} check to have the record removed f rom all    XXXX   credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.

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 10/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in XXXX XXXX incorrectly charged me for service that I did not have. This incorrect debt got sent to collections but after resolving with XXXX ( they realized I was wrongly billed XXXX $ XXXX and disputing it was removed from my credit report. 

Now a year later in XXXX, the debt collection agency " IC System '' has reopened this collection and negatively affected my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation