milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # 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 02/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A few years ago someone opened a cell phone account with XXXX in my name and did n't pay the bill. I reported this to police. Midland Credit has been trying to collect the debt ever since. I have sent them a copy of the police report and requested verification under the fair credit act. I sent XXXX as registered mail and received confirmation via USPS that they received my request. They never responded to the verification as required under the law. They continued to call and mail letters to attempt to collect the debt. I spoke with them in XXXX and they said due to the above they would cancel the debt and report to the credit bureaus. In XXXX, they once again attempted to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a major issue with Transunion. I pulled my credit report and score on their website on XXXX XXXX, and the score was XXXX I pulled it again on XXXX XXXX, and the score was XXXX. The reason I have the complaint it because literally nothing changed on my credit report in that 24 hour period. Everything was exactly the same. I tried to call them and all they would say is that they do not know why the score dropped. I could get nowhere with them. I am trying to buy a house and have been on top of my credit for over 2 years paying on time, etc and my score continues to drop with them for no known reason. Instead of going up when I pay down debt it goes down.

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 05/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient  had taken over possession of my student loan. I never received paperwork claiming they had purchased the loan and it was under their management. I got a letter when my loans were due that I owed my first payment. They also had the wrong graduation date from college so the loan collected interest over  three  years when I could have been paying it. They claim it was the responsibility of the borrower to let them know of any incorrect information, which I understand. But, I told them I had no idea that Navient even existed until they sent me the first bill. So, I was n't even aware they had my loan let alone incorrect information. They said all they could do was take the interest accrued and put it in a separate account and I can pay off the interest it accrued over those  three  years while the rest of the loan sat there and accrued more interest on the principal balance. They said it would be around {$6000.00} that I would have to pay first if I did that and the rest of the loan would continue to get higher since it would accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
XXXX XXXX XXXX card balance is not correct!!! 
XXXX high balance XXXX is displayed and affecting my credit account is closed MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 
XXXX MISTAKE MUST BE REMOVED OFFICE RAN APPICATION THREE TIMES!!!! THET AGREED TO REMOVE IT MY ADDRESS NOT CORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XXXX XXXX XXXX I accepted a balance transfer offer from Capital One for {$6100.00} with a 3 % transfer fee and selected to have the amount sent via a connivence check. The check was sent to the incorrect address because a customer service rep mistyped it on my account. I have contacted their customer service several times and have been told to just wait. After 3 weeks I contacted them for a third time as was told the check was returned and will be destroyed ; however a new check can not be issued until the funds are credited to my account. The rep then proceeds to tell me that the credit will not be taken off for up to 2 billing periods and that I am expected to make minimum payments on funds that I have not received. They refuse to credit the account immediately and refuse to waive minimum payments while they credit the account. Capital One is putting the burden and cost of their clerical error on me the consumer which is something that is unfair and malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Consumer Loan (Title loan) with Ditech Financial LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Loan was originally taken out in XX/XX/XXXX through XXXX XXXX for {$8000.00}. XXXX was taken over by Greentree. They hold title to XX/XX/XXXX XXXX XXXX. I have been making payments on this loan for 11 years & the balance is still {$7100.00}. I have missed payments along the way due to unemployment & health issues. 
I believe they are charging me interest on interest, have tried several times to come to an agreement with them & they refuse. Have told them they can come get the car, they say they do n't want it. I feel this loan has been more than paid for. My only recourse at this point is to file bankruptcy as I ca n't continue to make payments on this loan. I 've also considered seeking an attorney to see if there is any legal recourse I can take against the company. I feel Greentree has unscrupulous loan practices. They have made XXXX of dollars off this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: Capital Ine has repeatedly refused to release MY money from a credit balance refund. I had XXXX Caputal One cards and XXXX has a credit balance of {$1700.00}. I have asked close to 100 times in person, in writing, and via phone to have my money back. I have submitted my drivers license and social security card. I have had branch manager XXXX XXXX XXXX verify my identity to get my account unrestricted. I have an active credit card with Capital One and they keep giving me credit limit increases, yet they still refuse to give me my refund. I even own a checking account with Capital One. I combined my XXXX accounts into XXXX credit card account- why ca n't Capital One apply my credit balance to this card or send me a refund check. They know full good and well who I am, continue a banking relationship with me and increase credit limits for me. Why do they continue to refuse to refund MY money?

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: Attention Executive Office : I 've yet to receive a resolution to the issue previously submitted for an ACH withdrawal in the amount of {$140.00} which was transferred from my XXXX XXXX XXXX account to my Son 's Chase checking account. I have included proof of the transaction as well as my attempt to resolve this with my financial institution. The original case number is XXXX. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On the dates listed below, I communicated with TransUnion via Certified U.S. Mail. I requested the following actions : ( 1 ) I notifed them that an account shown on my credit report was the result of fraud. I asked that the fradulent account be investigated and removed. ( 2 ) I provided documentation showing my current and correct address requested that it be updated. Neither of these two ( 2 ) requests have been updated or corrected. This, despite, my requesting, in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent : XX/XX/XXXX. I provided copies of my Florida Driver 's License, Current Employer Pay-Stub, Credit Union Monthly Account Statement and copy of my XXXX Federal Tax Form. Lastly, on XX/XX/XXXX and on XX/XX/XXXX. I requested in writing, again, using Certified U.S. Mail and paid the XXXX ( XXXX ) dollar fee with a U.S. Postal Money - yet, the Security Freeze has not been placed on my Transunion Consumer Credit Report.

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 03/31/2015 about Student loan (Non-federal student loan) with Asset Recovery Solutions, LLC (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Company is Asset Recovery Solutions , LLC. Contacted them about obtaining information about this loan as it appears to be in the hands of the XXXX or XXXX collection agency that has called about this loan. Another company has already seized my daughter 's tax return to repay this same loan. The staff was extremely rude, told me to just pay the loan, referred to me as a deadbeat. I had worked out a payment plan with XXXX previous company but they had slipped in terms that were not acceptable. This company is refusing to forward my papers so that I may review this loan. My daughter, whose loan this belongs to, contacted this company and they were rude to her, yelled at her and refused to forward any paperwork about this loan to her. Another company, XXXX XXXX has already started collections on this loan and has seized my daughter 's tax return.

Company response to consumer: Closed
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.

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 11-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There are two companies trying to collect and report on my credit file for an XXXX XXXX XXXX bill which is unknown and I do not owe XXXX XXXX XXXX. Requesting removal I have disputed and nothing received for any type of validation. Please help this is n't right

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from you.

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 Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the credit being pulled without my permission.

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with Southwest Credit Systems. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called Southwest Credit Systems on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that Southwest Credit Systems removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my XXXX and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had 3 Barclaycards, one XXXX XXXX, XXXX XXXX, and rewards masetercard. This company has been an absolute nightmare to deal with. They refused for MONTHS to shut off auto pay and repeatedly tried auto drafting payments out of an account that had been closed. So not only was I being charged ridiculous fees from my bank but then these people started to hit me. I had one account set up on autopay ( XXXX ) now I go online and atopay has been shut off and now they are reporting my account late. I have a serious medical issue and these people have RUINED my credit by first closing my accounts due to the fact that they refused to update the autopay for a different account. Now they DOUBLED my minimum payments so not only are you causing me ridiculous amounts of fees they are making the payments unaffordable at a time when I am sick with possible 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 07/13/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I was notified yesterday by XXXX that someone has tried to open a XXXX credit card account using my name. This is fraudulent as I did not apply for a credit card from XXXX. One of the investigators from XXXX and I spent the better part of an hour on the phone trying to get someone at XXXX fraud department to answer the phone and all we got was repetitive messages asking us to wait for the next available representative. We never did get to speak to a real person at XXXX. This is is ridiculous and I want to file a complaint about it.

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 04/13/2017 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: Nationwide Cassel lending has not sent me a monthly statement for my vehicle loan. They are refusing to repo the vehicle and allow me to pay what is left. I have tried to settle on this account. My " high balance '' is {$19000.00} and I owe {$12000.00}. I offered to settle on the loan for {$6000.00} ( my employer has been trying to work with them ) they refused and wanted {$9000.00}. If is settle for the {$9000.00} then I am paying back more than what I borrowed. Also, the lender has told my employer " I would NEVER be able to pay this loan off even if I make the payments and catch up the loan '' I feel they do not want the vehicle because it is not worth at all what they charged me, they have no intentions in resolving the debt because they are loan sharks. They just want the interest. 
My employer has tried several ways to pay this debt, settle the debt and find a resolution. 
I do not feel this is legal, I just want to resolve this debt. Not be bullied and harassed into a high interest loan. 
Thank you, 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 08-06-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.

Company response to consumer: Closed with explanation