milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: After moving, we got behind on paying credit card. XX/XX/2016, contacted Capital One regarding past due debt XXXX ; we wanted to make payment. They transferred my call to a " lawyer '', who was far from professional. Name was XXXX XXXX XXXX. He stated that he would accept {$1900.00} settlement if I gave him our account information immediately. I told him that I would not be giving anyone access to my account. He said he could not help me without account info. On XX/XX/2016, we made an appointment with our attorney. He contacted Capital One & was also transferred to a " lawyer ''. The situation was explained to her & she stated that the first lawyer was incorrect in his information ... that they could not take any payment from us because we had moved to another state. She said she would have to send us information. Our attorney said to wait for information. We never got any information ... its now XX/XX/XXXX. We want to pay this credit card balance & have it reflect as paid on our credit report. At this point, we have no idea what to do to get a settlement in writing so we can take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I received a letter from Citizens Bank dated XX/XX/XXXX on XX/XX/XXXX, attempting to collect a negative balance of {$260.00} in my checking account XXXX. This amount is entirely made up of bank fees and overdraft charges created by a creditor debiting my account without permission or authorization. I have notified the bank by phone and mail about these circumstances, but have not received a positive response. 
I respectfully request that Citizens stop their collection process. I have been a customer of Citizens for 20+ years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA., XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016, I received mail from Cavalry Portfolio Services about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Cavalry Portfolio Services to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Cavalry has contravened its 809 ( b ) statutory requirement to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LVNV Collection Company has purchased from XXXX credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates XXXX was sent funds agreed to to settle the debt, and then sent the debt to LVNV who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loan was transferred to XXXX XXXX when the XXXX took it all over. I 've paid it the day after I received the statement. I pay more than the minimum which always makes me several months ahead on my due date ( see attachments ). I have a fixed rate of 3.75 ( see attachments ). I 've never been late, every year I pay down the premium by $ XXXX {$5000.00}. Yet, according to the XXXX form IRS form shows that I paid {$46.00} more in XXXX than I paid in XXXX even though the principal was on average {$4000.00} less that year. I always paid early, never late, more than the minimum, fixed 3.75 % and they took more fees in interest in XXXX than XXXX ( see attached ). I have all my receipts. I 've called at least a dozen times. I 've been left of hold for up to 40 minutes at a time, hung up on, disconnected and churned. The last time I spoke to XXXX XXXX Navient was in XXXX XXXX, the supervisor I spoke to said that she could see why I had paid more in XXXX. She said it had to do with " Algorithms. '' When I pressed her, she said that she would send it up stairs for review and someone would get back to me. Four months later, I 've heard from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: On the XXXX XXXX website, after I logged in as a Premier Platinum member, I got an offer on the screen asking me to apply for the Chase XXXX Explorers card, and offering me XXXX bonus miles AND a {$50.00} statement credit after my first purchase. I took a screenshot at that moment on XXXX/XXXX/16 of the offer ( which you can see in my image was to expire the next day ). I then filled out the application. I got an email confirming my application ( dated XX/XX/XXXX too ). I was later approved and got the card. After having it for some weeks and using it, I sent email to Chase asking when I would get the {$50.00} credit. They replied that they would not give me the credit because I did not apply " the right way '' on the XXXX site. I applied the only way offered, by clicking on the big button that is clearly visible in one of my screenshots. No error message followed, I got to the application and answered all their questions. I tried multiple times to get Chase to resolve this, and they refuse. They DO admit that I am owed the XXXX miles, which is stated on the screenshot offer too, and which was only offered to me once I logged into the XXXX site as Platinum member ( the standard offer on the general XXXX site was XXXX miles ). So they must admit that I applied through this offer, but refuse to give me the other marketed offer, the {$50.00}. They are simply refusing to honor their offer, fulfilled on my end exactly as directed on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: My parent 's house had gone in to default as my father is a  XXXX  veteran struggling with  XXXX   XXXX . I decided to pay their mortgages to make them current and called SLS to get a pay off amount. They gave me the amount of {$10000.00} and wiring instructions to their account at  XXXX   XXXX  ; they informed me that the money had to be wired by Monday. I completed the wire transfer on Friday at my local  XXXX   XXXX   XXXX   XXXX  and thought all was well. A week later, SLS sent a letter listing the home for sale. In the following two weeks, they have refused to admit they have received the money and are also refusing to look for it. They have stolen {$10000.00} and are going to take my parent 's house without even attempting to look for this money.

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 02/17/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (IN).
Issue: Account opening, closing, or management

Complaint: I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: A lack of clear options and poor communications. Navient kept advising me to sign forbearance paperwork instead of taking the time to help me apply for an income-based repayment plan -- a better option ( less fees ) for which I did qualify. 

Tough to contact them in person for questions ; I feel like they always try to funnel all my communications to digital web site -- instead of talking to a real person who could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Cascade Creditors Service, llc (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX, XXXX began reporting a debt that was already being reported by a collection agency - XXXX which showed an assigned date of XXXX/XXXX/XXXX. XXXX XXXX XXXX reaged this account and began double reporting the same account concurrently with XXXX. This debt did not belong to me, the original creditor applied charges to my former account instead of creating a new account for my ex-husband for the services received. I worked with XXXX and they have removed the account and returned the account to the original creditor. 

I have attempted twice to contact XXXX XXXX to verify/validate the debt/dispute with the information above. XXXX XXXX has failed to respond to my requests for validation.

Company response to consumer: Untimely response
Consumer complaint received 12-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Credit card protection / Debt protection

Complaint: I have disputed a transaction for {$1600.00} with Capital One Credit Cards, since the company XXXX Billed my card without my authority for $ XXXXXXXXAt no stage has capital one provided with the payment slip with my signature authorsing this charge, there is no follow up from the Capital One Dispute team and no one in capital one is taking ownership of this problem. 

This charge is clearly unauthorised and should be refunded back to me by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Pinnacle Credit Services, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information. 

Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 filed a complaint XX/XX/XXXX and Experian was able to respond XX/XX/XXXX because they did not do an investigation at all. This is how they are able to give immediate responses. They have continued to violate the FCRA by not providing verifiable proof of any information. The FCRA was put in place to protect consumers and I don't understand how Experian is continously able to get a way with this. Experian has failed to follow reasonable procedures and failed to conduct a reasonable reinvestigation with respect to the inaccurate bk 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 02-10-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my [ XXXX XXXX XXXX ] password and enter my checking account at XXXX XXXX XXXX. Chase did not notify me of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts. 
In a tele meeting with XXXX XXXX XXXX officials in which I was present, Chase admitted that they had allowed someone to open a second unauthorized credit card and connect it to my credit card [ I received no notice of this ]. This is how the thieves funneled the stolen money out of my bank account through my legitimate Chase card to the unauthorized one. 
Now in a letter dated XXXX XXXX, 2016 they deny the privacy breach occurred. By the way XXXX XXXX XXXX has put the money back into my account [ with a hold on it ] based on the tele meeting with Chase officials. 
This is all the money I have. Late fees keep mounting and my life is in turmoil. I am recovering from a XXXX. The stress is hurting my health. 
I beg you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/18 at XXXX a.m. Portfolio Recovery contacted me about a debt. 
They have contacted me about at : XXXX XXXX XXXX XXXX I do not know who they are looking for and have requested over and over again for them to stop contacting me and to no avail they have continued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 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: I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX  ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This is in regards to my Kohls credit card account. I have always made my credit card payments on time and I have always maintained a credit score in the XXXX XXXX. I recently learned that I had missed a payment for Kohls. I had not been contacted by anyone from Kohls until the week of XX/XX/XXXX regarding the late payment. I had not received anything by mail or other phone before this call. When I did receive the phone call, I explained to the agent that I couldnt give her my payment information at that time but I would call back. I called back within 2 days. At that time, I set up an automatic withdrawal from my bank account of XXXX ( the day that my next bill was due ) for the amount of {$210.00} to bring the account current. At this time she told me that they would also credit my account {$74.00}. The agent led me to believe l that this would not negatively affect my credit since I was paying by my next due date and it has. The late payment are now showing on my credit report and are affecting it dramatically. I have sent two request to Kohls executive office to remove the late payment on my report. I received one letter stating this could n't be done and I have not received a response from my second request. We are currently trying to get a different home in order to help care for a family member and the late payment is effecting my credit score greatly. I would like for Kohls to remove the late payment for the credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.

Company response to consumer: Closed with explanation