milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My Macy 's credit card was stolen on XXXX XXXX. Fraudulent charges were made on XXXX XXXX. I did not know my card was stolen until XXXX XXXX when Macy 's attempted to take an automatic payment from my bank account. I immediately called and reported the card stolen and asked for the paperwork for a fraud claim. I called back in the beginning of XXXX ( two weeks later ) to ask why I had not received the paperwork. Macy 's informed me that they did not cancel my card or list that it was stolen. I have received a statement each month since XXXX listing the fraudulent charges as being past due, including late penalty charges. In XXXX, I received a call from a collections agency. When I contacted Macy 's they informed me that their computer systems canceled my fraud claim some time in XXXX, but that they had re-opened it. The representative said that they would email the agency to cancel the calls. The I received another collections call on XXXX XXXX. When I called Macy 's they told me that the investigation had not been started, but that it would be " moved up '' in the list and would be resolved within 60 days. They also informed me that each month I was not paying the charges would be a negative hit to my credit score. They told me that they would email, again, the collections agency to ask for the calls to stop. I called again on XXXX XXXX, to confirm that the case would be resolved by XXXX XXXX and to get an update on the case. The representative confirmed that the case would be resolved by XXXX XXXX, but stated that no investigation had been started.. Today XXXX XXXX XXXX ) I received another call from a collections agency. When I spoke to the representative, they again told me they would email the company, but that nothing had been done to resolve my account. I still receive a statement each month listing finance charges for late fees for the stolen funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ordered XXXX internet service, but was unhappy with the service. I canceled it within the first month. XXXX had assured me that in this case, there would be no charge for the service. After canceling, XXXX representatives repeatedly told me that there would be no balance due on the account. In XX/XX/XXXX and XX/XX/2017, received a threatening call and a letter from Diversified Consultants , Inc. attempting to collect this {$100.00} charge. I first confirmed with XXXX that this debt is not valid. On XX/XX/2017, I spoke with " XXXX '' a " billing expert '' who told me that the account would be moved to a XXXX balance and I would not hear from the debt collectors again. I responded in writing to DCI 's letter on XX/XX/2017. Today, I learned that DCI has made a negative credit report against me relating to this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX call made at XXXX pm Called in to inquire about a bill amount showing due. File status was on a {$0.00} payment plan notified 6 months past due on credit report on XXXX/XXXX/XXXX. I never received any calls about a delinquent status. Spoke with XXXX - XXXX was refused service after verifying full social and address. Date of birth incorrect asked for manager got a XXXX - XXXX. XXXX was refused service again after verifying full SSN asked for a XXXX XXXX was refused and told I will not be able to speak with anyone other than him. Would not provide a manger after multiple request. Would not provide manger ID after multiple request. Refused to provide address or phone number for a complaint department. I have filed a dispute with XXXX and possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after XXXX responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by XXXX 's agent ACT ( collection agency ) as of XXXX, the account was listed as settled in full and closed meaning it was sent back to XXXX to update on both of our credit reports among other things. However, XXXX still has the account status listed as a charge-off. Additionally, on XXXX 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and XXXX refuses to uphold the terms of our settlement agreement. ( See attachment : Updated XXXX Settlement Agreement ). 

A settlement agreement was made by XXXX 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while XXXX has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that XXXX concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. 

According to XXXX 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. 

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. 

Further, I am alleging that XXXX entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to XXXX as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to XXXX as " settled in full '' and closed.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX  Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co-signed for XXXX private student loans ( XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank ) for my son to complete his XXXX degree. After XXXX when he conducted the consolidation & promissory note application via phone with AES, he asked to have all XXXX ( XXXX federal & XXXX private ) of his student loans consolidated. He was informed the private student loans could not be consolidated with the federal loans because it was against federal regulations. After approximately 6 months or so, we realized AES had consolidated all XXXX loans into my son 's XXXX consolidated federal loan. He was getting 1 monthly billing statement for all XXXX loans with XXXX account number, only. As co-signer, I was concerned because it was impossible to distinguish how the private loans were being paid as it was an " all or none '' payment situation. I was also concerned because I knew the private loans were not as flexible as the federal loans and could go into default much quicker. When we informed AES of its error & asked them to separate the XXXX private student loans from the federal, AES said it would look into. After months of no resolution & my son 's monthly phone calls to AES to correct this mistake, my son demanded AES correct the error. The very next month, AES placed the XXXX private student loans into default. We were shocked & dismayed because my son was in monthly phone contact with AES to monitor the account. There was never any mention of the XXXX private loans facing default. Now my son & I are being sued by National Collegiate Student Loan Trust ( NCLST ) for the original loan amounts plus interest ( about ( $ XXXX ). However, we have never ceased making monthly payments to his XXXX federal student loan account which is the same account number as the XXXX private student loans ( because AES consolidated them with the federal student loans ). As proof, my son 's credit report states his XXXX consolidated federal student loan status is " Current ; Paid or Paying as Agreed ''. My son 's credit report also shows the same account number for the federal loans as my credit report shows for the private loans. Finally, what concerns me most is my credit report states the status of the XXXX defaulted private student loans as " AES filed claim with the government ''. These XXXX loans are from private lending institutions and AES sent confirmation to me that the " Guarantor '' reimbursed the private lenders for the XXXX private student loans after AES forced the loans into default. I 'm concerned that the lenders were ALSO paid by the government. When I called & spoke to a Federal Ombudsman, I was informed that in no way should AES have filed a claim with the government for XXXX private student loans. Now XXXX is suing me & my son. They are attempting to get triple payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I requested a copy of my promissory note a month ago to review the terms because I 'm considering consolidating my loans. Navient advised that it would take a few days to process. The only information I received in the mail was a copy of the previous servicer/lender history. I called again today ( XXXX ) and they initially advised me that they did n't have a copy of my note. When I pressed them on the issue they advised that it would take another XXXX14 business days to process the request. My payments are increasing on XXXX/XXXX/17 so I need this information quickly in order to make a decision on whether to consolidate. If Navient does n't have my note, they should not be collecting funds from me and these loans should be removed from their systems. If they do have my note, they need to send it to me quickly, preferably via email and if not email they should overnight it via XXXX or XXXX. Again, I need this information very quickly in order to make a decision about my financial future. In addition, I have some variable interest loans and the interest rates were just raised by the Fed. If my payments are increased before I 'm able to consolidate because Navient failed to send the requested information, they should be held responsible for any change in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have made payments on time since the origination of our loan. However, every month we receive a late notice and they continue to pile up since  XXXX / XXXX / XXXX . We have documented proof of on time payments from our account to Ditech. When we contact  Ditech  to remediate, they give us a different reason for the issue every time and never fix it. Currently, we " have ''  5 late  payments, and they have marked are credit reports and are attempting to " foreclose ''. We contacted them early on  XXXX / XXXX / XXXX  regarding these errors and they said our account number was causing issues in receiving payment, it is now  XXXX / XXXX / XXXX  and they have not updated our account and have since issued to our credit report that we are in foreclosure. This is fraudulent and illegal, and we have contacted them every month regarding these issues, and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 have sent letter after letter and filed dispute after dispute on a few items on my report to Transunion. Every incident they are reporting that the dispute remains because it was verified by data furnishers.     I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error.

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 02/27/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Within the last 90 days I received an offer to get a credit card that offered discounts to all purchases at Walmart. the promo intro page had a large picture of a MasterCard, giving the impression that I would be applying for a MasterCard from Walmart. I was approved and ended up receiving in the mail a store card that can only be used at Walmart.

Being that I was mislead and thought I was getting a major credit card, MasterCard. **I 'm requesting that the Hard Inquiry be removed from all credit reporting agency that it was submitted to. Also if possible, I still would like to receive an actual MasterCard in addition to having the Hard Inquiry removed. Since I have the store card, I'll just keep that also.

Sincerely, XXXX XXXX   Customer

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.XXXX XXXX XXXX # XXXX 2.XXXX # XXXX 3.XXXX XXXX XXXX # XXXX, # XXXX, # XXXXThese account are a violation of HIPPA Act. Never done business with XXXX XXXX. please produce a copy of my signature or contract or delete  account error. 4.XXXX XXXX XXXX # XXXXThese account are a violation of HIPPA Act. Never done business with XXXX XXXX. please produce a copy of my signature or contract or delete account error. 5.XXXX XXXX # XXXXthis account has no contract error please delete never done business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with ERC (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. 

they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.

Company response to consumer: Closed with explanation