milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Malcolm S. Gerald and Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Received a call from this debt collector. They demanded paperwork that they refused to provide and refused to offer an alternative when informed that I could not fill out said paperwork or even find it. When I requested assistance, all XXXX persons spoken to refused to provide it and refused to provide any information on any XXXX assistance. They also refused to accept proof of XXXX and refused to make any accommodation stating that the phone was breaking up on my end ( and that they had " perfect phones '' ) and they did not understand me, but responded to statements easily and only claimed phone problems when I was attempting to explain my problem with them. They also heard all other dialogue excepting what they did not wish to ( e.g. that the amount they were demanding was a fraudulent transaction ). No names were given, when I indicated that no classes were taken nor permission to initiate what the representatives called a " loan '' the statement was ignored. I stated this XXXX times. In addition, no letters were sent indicating this debt even existed or that I had the right to dispute it. All XXXX representatives also threatened ( not stated, but VERY clearly threatened ) to not only report the debt if not paid today ( XX/XX/2015 ) but that the report would ( NOT could, but would without any doubt ) prevent me from obtaining a " mortgage, loan, credit card, and even cable/satellite '' in those exact words. Finally, the recorded portions of conversations were partial and started at varying ( and terribly convenient ) times. 
The company provided only the name " Malcolm S. Collection '' and additional information was requested but never provided. I requested no further contact from them but XXXX additional pre-recorded calls were made after the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I made my XXXX mortgage payment early in XXXX 2014 to XXXX XXXX XXXX. I then received notification that as of XXXX XXXX, my loan servicing was being transferred to PennyMac. My XXXX payment was never transferred to the new servicer, and now I am getting notices that I am in pre-foreclosure, I have had 30 day lates reported to my credit report, and I have been assessed late fees monthly. I have called and spoke to PennyMac multiple times, along with the numerous phone calls and letters they contact me with accusing me on being behind on my payments. This has been going on for months, and they seem either unable or unwilling to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I called in today ( XXXX2018 ) to discuss an issue with a billing cycle change and was told that my call would be recorded. I asked if they would provide me with a copy of the recording if I requested it. They said no. I then told them that I would record the call as well. They told me that I could not do that and they would terminate the call if I recorded it. 
I asked why they could record the call but I could not. No answer was provided other than that is their policy. Why is Chase Card Services entitled to record the call but I am not?

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. Currently, the credit bureaus have prohibited me from disputing any further. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attempts, XXXX, XXXX, and XXXX XXXX XXXX continue to verify this debt without proper validation. XXXX XXXX XXXX has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX and XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account was in dispute, they continue to reflect non payment monthly on my report. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the erroneous information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I took out a loan from XXXX XXXX in the amount of {$300.00} and it went unpaid and this is from 2009. The debt was sold to a collection agency and they reported negative information to my credit profile. According to the FCRA all debts can only be reported for 7 years and I have written numerous letters and the are refusing to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XX/XX/XXXX I went to the Chase bank at XXXX XXXX XXXX , in XXXX Ohio. I wanted to withdraw {$460.00} from my XXXX XXXX XXXX account. I was charged the {$3.00} fee to use the Chase ATM however, the ATM did not function correctly and my cash was not dispensed. I received a receipt and it did not show that I was being given {$460.00}. I assumed the money would be refunded to my account as I have had this happen before and it was refunded within minutes. 
I called Chase to report the issue, but they did not want to speak with me because it was not with a Chase debit card. I called my bank Simple ( XXXX XXXX ) ( I actually bank with Chase as well, I have a joint checking open there and two credit cards ) to dispute it and they have opened up a dispute but they can not give me a time-frame of when this will be resolved. 
I went back to Chase on XX/XX/XXXX, into the branch where the issue occured and they still refuse to do anything about this issue. Chase electronically withdrew the funds from my account and did not dispense the cash, I believe this is there error and they should be helping to solve the issue. But again, I was turned away because I did not use a Chase ATM card at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient-private loan ... My life was on the incline when i had all loans under XXXX XXXX. Now that Navient took over they are trying to make me suffer. Reason i state this is ( XXXX ) checks # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, and XXXX. All check been cash from XXXX DE with any problems on my end. It would help ample if XXXX person would stop and see on XXXX XXXX, 2015 Account # XXXX needs a repayment plan option available ; ' which states i talking to someone else other then XXXX XXXX again. Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX. This is the head line punch Navient send me a refund check with a check number XXXX. Attach a letter saying " we 'd like to thank you for your business with Nalvient, formerly XXXX XXXX. During a recent review it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged.. It seem to me and i NOT the one to judge but ... NAVIENT is all over the place. Then, second ( 2 ) XXXX XXXX, 2015 another letters " Your Delinquency May be Reported to the Consumer Reporting Agencies '' wait no one talks in there office. I guess no one send each other emails anymore or they are took busy on the net buying clothes and shoes. " Your payment for XXXX of the Navient education loans referenced at the end of this letter continues to be delinquent, and we urge XXXX to make XXXX missed payments today. ( AGAIN ) Please make a payment for the amount that is past due for your loan, to bring XXXX account current. '' Let 's back up XXXX bit how many piece of paper are the wasting to send me all these letters. NAVIENT let 's get this big company in order. Continue, ( third ) Unless XXXX pay, your delinquency may be reported to the consumer reporting agencies, which may or already did impact XXXX credit history and potentially make it difficult for everyone. '' This is what I don t understand about NAVIENT ... no way in any these letters say anything about a DOWN PAYMENT # XXXX. Fourth, ( 4 ) " we understand that unexpected circumstances can cause financial difficulty. if XXXX having trouble making XXXX monthly payment, please call us at ... We 're here to help if XXXX '' HELP what if XXXX telling me to do something and i been doing it way XXXX XXXX set me up to do. NAVIENT saying i am doing everything wrong, NAVIENT help me some I can help you by talking GOOD about your company. THEEND

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt. <P/>When I dispute these items with Experian, XXXX & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA. <P/>Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXX How can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX. <P/>This information is false and I have requested all three 3 credit bureaus Experian, XXXX and XXXX  to delete the 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 09/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I initially applied for my loans through XXXX XXXX I was never aware of the interest rates. I was told it would be somewhere between XXXX % while federal student loans were set by XXXX. Some of my private student loans are 10.2 % and I feel like Im getting no where. I have asked numerous times if I can consolidate it to a lower interest and they told me no all the time. I said there was no way I could afford it and they told me to ask my parents for the money. Secondly, I had my sister as a co-signer and was told that if I made principle and interest payments that I could release her in 24 months. I followed all of there rules and everytime I tried to release her I kept getting a ridiculous reason as to why they were not releasing her. Finally after writing a long letter and applying for like the 8th time, she was finally released 6 years later. This company is very shady and I would love for the consumer bureau to do an investigation on this company because they have misled me and have not been honest and have been unwilling to work with me about lowering my payments or telling me about income based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I had a Bloomingdales charge card since XX/XX/XXXX. They never sent statements or alert via email or mail. In XX/XX/XXXX, I had a balance of {$11.00}. Bloomingdales still did not send me alert via email or mail and quietly charge me late fees. When I found out this issue in months, the total balance has reached almost {$200.00}. I called Bloomingdales to resolve this problem. I offered to pay the original balance {$11.00} but they insisted that I paid all fees. I believe this is not my problem. If they had alerted me via email or mail, I would have paid off that {$11.00}. All other credit cards I use send regular reminders via email or mail to alert customers about pending balance. I believe Bloomingdales ' insufficient service caused this late fee and thus should be removed.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was negatively affected by the Equifax data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want XXXX to pay XXXX to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay lifelock to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives XXXX at a time. Please stop these crooks XXXX XXXX, Equifax  and XXXX XXXX from charging the public to undo the harm to the average citizen 's credit they cause.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had a problem intentionally getting the vehicle from the dealership as the term started and it put me behind two months. I have filed a complaint that was ignored. So I took Ownership and continued the payment. Every time I make a payment I would get calls all day everyday even at work and school. It became overwhelming. I told them to stop calling me and the calls stopped for a little under a month. Just recently the harassment calls started again. Now I want to pursue legal charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Consumer Loan (Installment loan) with National Credit Adjusters, LLC (CA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I began having financial difficulties, so I turned to online loans in an attempt to make ends meet. I had received a mailed solicitation from XXXX, so I went to the website given on the card ( XXXX ) and took out a loan of {$2600.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, XXXX took the first of a series of automatic deductions from my bank account. XXXX took the following amounts, on the dates shown : XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) These deductions are documented ( red underline ) on the bank statement copies attached. Note that on the last statement, XXXX took XXXX additional deductions that were returned unpaid, as my account was out of money by that time. Only the payments to XXXX that actually went through, are underlined. 

Therefore, I still owe XXXX {$380.00} plus a reasonable rate of interest. 

XX/XX/XXXX, after my financial situation had stabilized, I set about resolving my online and payday loans, of which I had taken out a total of XXXX. It was ( and is ) my intention to repay each lender what they loaned me, plus a reasonable rate of interest. While a number of the lenders worked with me to settle my loan under these terms, XXXX unfortunately refuses to do so. 

On XXXX XXXX, XXXX, I called National Credit Adjusters, which had purchased my loan from XXXX ( account # XXXX ; NCA reference # XXXX ). I spoke with XXXX XXXX, and offered to settle my loan for {$400.00} ( balance plus XXXX % ). He refused, so I offered a maximum of {$500.00} ; XXXX XXXX replied that " that is not an option '' and he then accused me of " pressuring '' him. He countered that he would settle my loan for {$1200.00}. This amounts to an interest rate of 35 %, and is therefore unacceptable to me. 

I tried calling XXXX XXXX again on XXXX XXXX, XXXX, and got the same result. XXXX XXXX has also called me several times, but in each case he insisted on {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off Kohls credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Debt collection (Payday loan debt) with GVA Holdings, LLC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX Bank, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XX/XX/2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

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 09/14/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I never had a account with this company and they are listing a debt which XXXX XXXX Report. This account has a false balance and is list with a company I never done business with Aargon Agency Inc.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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