milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Debt collection (Payday loan) with EMPIRE MEDIATION SERVICES LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company called Empire Mediation or Empire Financial ( they reported they are known by different names ) repeatedly called my work phone stating that a debt is owed and that legal action will be required. They did have my name and last XXXX digits of my SSN. Problem is, I have no unpaid debt. They refused to give me an address for their company, stating that they are located in several different states. When I started asking questions, they told me that I sounded like someone that has a ton of debt. They hung up on me multiple times, and when I asked to speak to a manager, it was conveniently a manager that had answered the phone. They also told me that they had sent three certified letters, and that they are not allowed to send out any more per company policy. They told me to Google their company, which I had obviously already done, only to confirm that this is a scam. I know some people may be scared into paying this debt due to the caller threatening legal action, so I want to make sure others are warned of this bogus company.

Company response to consumer: Untimely response
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on my 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 explanation
Consumer complaint received 12/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: Citibank raised the interest rate on my credit card from 13.7 % to 28.99 % on XXXX XXXX, XXXX. This was done without notice and otherwise in violation of the CARD Act of XXXX which requires payments to be made over 60 days late for the interest rate to be raised. Citibank says that it left a telephone message for me but I never received one. It admits that it did not send any mail, email, or notice on the online account. Citibank believes that it is immune to United States law and can set rules and regulations as it pleases. It says that its account disclosures when the account was opened in XXXX XXXX justify the hike in interest rates, but does not dispute that such account disclosures are contrary to the CARD Act, which was adopted subsequently. Citibank justifies the increase in interest rate since the account was " delinquent for a long time '' prior to the rate increase. However, Citibank admits that the account was delinquent ( late payments but less than 60 days ) XXXX times in eight years, but says that there were XXXX late payments in six months prior to XXXX XXXX, it is justified in raising the rate. This is not the law.

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 12/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: portfolio recovery associates is stating I owe several debts. The first debt is in the amount of {$390.00}, the second one is in the amount of {$630.00} and the last one is in the amount of {$520.00}. I have repeatedly disputed those claims several times via mail, XXXX XXXX, and XXXX XXXX XXXX because these are not my debts and fraudulent activity with the accounts. Portfolio recovery associates also restarted the clock on two of the accounts from XXXX to XXXX. I have only received letters from portfolio recovery associates regarding the debt of {$630.00}. Which I do not own that debt either. The first letter was suppose to be verification of the debt but it was not verification only bill information. I have not received anything for the other 2 accounts at all. Every time I dispute them they add a different remark on my credit as to why they did not delete the account. The last 2 times I disputed them I havent heard back for them on either of the accounts. I do not have a contract with them and I do not own either of these debts. I am also currently disputing them again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Account opening, closing, or management

Complaint: The bank ( Citizens Bank NA ) took all of the money in my checking and savings accounts in XXXX 2016, most of which was my Social Security XXXX check, closed my accounts, and has not returned my money. This was due to me allowing some shady " Loan Companies '' access to my accounts, stupidity on my part, and in the course of their investigation, the bank decided that we could no longer do business, closed my accounts, and kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I have private and federal student loans with Navient unfortunatelly. My original private loan amount was {$3700.00} originated in 2003 and it is now {$9200.00}, not sure why. They continue to report lates to the credit bureaus even if the payment is on time. Last month I paid XXXX to XXXX payments in a row to try to make them stop calling my phone and they reported me late and tanked my credit scores. They are extrmely rude and I will not take their calls and for that reason I believe they continue to report me late to the bureaus to get me to call them. I believe the balances reported in XXXX loans are incorrect and I need help fighting them. There is no easy way to communicate with these people. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with Cottonwood Financial Ltd. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. 

But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: Financed motorcycle through XXXX XXXX XXXX on XXXX XXXX XXXX. Paid off account to {$0.00} balance on XXXX XXXX XXXX. 
Contacted Capital One about title and was informed original title was sent XXXX XXXX XXXX. Never received. Contacted again and was informed that Release of Lien was sent XXXX XXXX XXXX. Never received. Capital One phone representatives have claimed documents were sent to correct address via USPS with no tracking number. 
Included as an attachment is the statement noting that I have a {$0.00} balance on the account. Also included is a scanned receipt of purchase on XXXX XXXX. 
DMV confirmed that Capital One has to send me either the original title or the Release of Lien due to it being a paper copy. 

I originally contacted Texas Attorney General 's Consumer Protection who referred me to the Office of Consumer Credit Commissioner who referred me to the Office of the Comptroller of the Currency who referred me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, Calvary Portfolio Services falsified information regarding the date a XXXX XXXX was allegedly opened by me while the only XXXX XXXX i had was opened in XX/XX/XXXX and the last activity in that account was around XX/XX/XXXX. Calvary Portfolio RE-AGE the account and reported that the said account was opened on XX/XX/XXXX which is false. The alleged amount that Calvary Portfolio is seeking for which they are claiming i am owing is {$2500.00}. I did not open any Credit Card on XX/XX/XXXX. I have disputed this report with the credited agencies and want this false collection removed from my credit report immediately. 

According to FCRA Section 605 ( c ), it is against the law for any collection agency to re-age an account by reporting another date which is not the date of the last delinquency. Texas Debt Collection Act prohibits any collection agency from providing FALSE information and this is a violation of The Deceptive Trade Practice Act. 

Texas State statue of limitation Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. 

Texas state laws are more consumer friendly than most states where the statute of limitations starts after the account has been charged off. 

In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the date of last activity or DLA

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX, I seen a debt collection from an AFNI in the amount {$1100.00} I did n't receive any type of notice of who this debtor/collector is and why was it just added to my report, this a direct violation of the XXXX. I 'd like this to be removed from both my XXXX and XXXX report, as I am trying to buy a home this XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Closing/Cancelling account

Complaint: I had a account with jcp And belk in the past but has since obtain new accounts. I need the old accounts taken off.thanksXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit reporting agencies incorrectly show that I closed an account which I did not. I tried to call them but either they only have an automated phone menu or in the case of XXXX XXXX do not even have a phone #. I called Equifax and XXXX XXXX without being able to speak to a representative. The account that they list incorrectly is for a jewelry store named XXXX. Recently this store changed the bank they use and I was sent a letter stating that I would receive a new card this month. However, this will end up being listed as a new account thus negatively effecting the age of my credit. These agencies are crooks! Equifax proved that in the past few months. Why do you allow them to collect all this information on me and do n't at least force them to allow access to a representative to correct false information? I have been working for 2 years to build up a good credit record so that I can buy a house at a good interest rate but they work against the consumer at all times and for the banks to cheat you and hold you back. I have a 100 % on time payment record but when they throw in all the other factors there is no way to win. " You have too few accounts, the age of the credit is too short etc. '' Open more accounts and it lowers your credit age. This is a totally unfair system which the government sanctions! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My brother was in a XXXX and they keep calling me to collect his debt it is not my debt to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reporting on Credit Reports for original creditor XXXX. I have no knowledge of this account and keep disputing. They have no proof of any kind of signature or me authorizing any purchases made for this account. And keeps reporting negative on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 submitted a dispute with Experian because all attempts failed with XXXX XXXX XXXX to provide validation of the account. XXXX XXXX XXXX sent a letter saying that they will not validate the account. I forwarded the letter to Experian and they still refuse to remove the item from my Credit report. this is in clear violation of the FCRA since XXXX XXXX XXXX to this data has not validated the debt.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Unsolicited issuance of credit card

Complaint: I received a call ( phone message ) from Chase 's fraud unit informing me that someone had applied for a Chase XXXX credit card and that I should call to verify. I became concerned, because I HAD N'T APPLIED for any such card. 
I called my credit protection service, XXXX and they advised me to put a fraud alert on my account, which I did. 
When I called Chase back, they told me that they had ISSUED the credit card. I was livid to think that they would proceed WITHOUT my confirmation. They did not apologize, except to cancel the card. Nor did they agree to file my complaint about their system to their corporate headquarters. I DO NOT have any connection to Chase ... no bank account, no credit or debit card, no loan. 
Since then I received a letter from XXXX informing me that the credit alert was registered and also that I was entitled to a copy of the fraudulent application details. So I called Chase and they informed me that I had to send a written request to them with all kinds of documentation, including police reports etc. 
I can not comprehend WHY I need to supply this information WHEN it was CHASE who initiated the inquiry and therefore I do not have any documentation except what I 've received from them. A letter, which I attached arrived a few days after their phone call message. 
This aspect of fraud protection is NOT adequate and obviously Chase is inept and negligent in protecting its customers. 
I am grateful for your willingness to establish accountability for corporate policy and look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (ID).
Issue: Managing the loan or lease

Complaint: Leased a XXXX from XXXX XXXX XXXX ( Chase Bank ) 3.5 years back- lease had a buy back provision at the end of the lease which I used about 35 days back. In the process of buying the car they offered financing which I accepted and they collected {$850.00} as part of the finance contract buying the car. My first payment was due a couple of days ago, and they are still holding on the the sales tax money needed to register my car. I am a retired auto dealer and have decades of experience financing and titling cars in Idaho, and right now I am driving an unregistered vehicle. The instructions with the contract Chase mailed said they would mail a check for the taxes due to register the car. I called on XXXX earlier occasions, on XXXX they said they would send the money electronically and the second they said they would mail a check. Today I received a letter from them saying they would transmit the money electronically to the state XXXX on XXXX. 
How do they do this? My first payment is due and I am being asked to pay for a car I ca n't register. If I go pay the taxes again myself I have no guarantee I can collect them back from Chase, especially given their record on this transaction to date, and I am driving an improperly registered car and if they come through on the XXXX being asked to do so for almost 2 months. If I had floated state tax money like this when I was an auto dealer they would have locked the doors. I would also imagine if they are doing this with me they are doing it with everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion had two separate computer glitches that caused inquiries to be removed from report in  XXXX  and in  XXXX .
They put the inquiries back on my report after were deleted and did n't notify me either five days of this procedure. I would like these inquiries from  XXXX  on  XX/XX/XXXX   XXXX  from  XX/XX/XXXX  And  XXXX  from XX/XX/XXXX  removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: To Whom it May Concern : My wife wrote a check to me for {$2000.00} ona starter check. I deposited the check via mobile banking. The funds were withdrawn from my wife 's account on XXXX/XXXX/XXXX. I received notification that a hold was placed on the deposit. Today, XXXX/XXXX/XXXX I called to find out the status of the deposit. XXXX at Bank of America, ID XXXX, told me, " There is only your name on the check, and an amount. We need to verify this check. We need to make sure its not going to come back for any reason. '' I asked, " You also have the payor 's name, my endorsement, the routing number, and account number. What needs to be verified? '' " The maker 's information. '' " You already took the money 5 days ago. You have the financial institutions name and numbers, what action can be taken to verify? '' " We will just wait until it clears by itself. Expect the funds on XXXX/XXXX/XXXX at XXXX. '' " No action can be taken, you basically gave yourself a loan for {$2000.00} for 10 days. '' " I will put in a request, but I ca n't guarantee that any action will be taken. '' This is totally unacceptable.

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