milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is from a lease. I was constructively evicted from the apartment due to XXXX. I had to go to the hospital with smoke XXXX. I left the apartment at the end of XX/XX/XXXX and had paid through the end of XX/XX/XXXX. The debt is for partial rent in XX/XX/XXXX I disputed this debt with the landlord XXXX explaining that I had been constructively evicted. XXXX never sought a judgment against me. They ceased trying to collect the debt in XX/XX/XXXX National Credit Systems XXXX Inc. contacted me on XX/XX/XXXX, by phone claiming that I owed this debt and threatening to report it to the credit agencies if I did not pay. I told them that I do not owe this debt because I was constructively evicted from my apartment. On XX/XX/XXXX I received a letter from National Credit Systems XXXX Inc. dated XX/XX/XXXX claiming that I owe this debt and stating that unless I notify their office within 30 days, they will assume that the debt is valid. On XX/XX/XXXX, I wrote them a letter stating that I did not owe this debt because I had been constructively evicted from my apartment due to XXXX. According to XXXX tracking they received this letter on XX/XX/XXXX. On XX/XX/XXXX at XXXX a.m. XXXX, National Credit Systems XXXX Inc. called me from XXXX. They again claimed that I owed the debt and threatened to contact the credit agencies if I did not pay. I told them that I had sent them a letter explaining that I do not owe this debt. He claimed that I had not sent them a letter. I told them that I had proof that they had received the letter and then he admitted that he had the letter. He told me that they would verify the debt and then report me to the credit agencies. He recorded the call, but only part of the call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Installment loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Managing the loan or lease

Complaint: In desperation to quickly cover a few unplanned expenses, I took out a {$500.00} installment loan from Advance America. I knew the interest would be high. And it was. Very. 

But, " desperate times ... etc '' I thought. I began the process of paying back my loan when I noticed the miserable, almost non-existent amount the principle had gone down. 
Out of the {$470.00} (? ) given thus far, a meager {$68.00} went beyond their interest rate. 
The real culprit however appears to be a line item detailed as " CSO fee ''. 

Example : My last payment for {$200.00} ( {$100.00} more than the minimum due ) made on XX/XX/XXXX applied {$10.00} to my principal. The remaining {$190.00} went toward CSO fees and interest due. All excess funds after the minimum due was paid, went to the NEXT payment 's CSO fees..not the principal. 

While signing my paperwork, I was shown the total amount paid *were I to go the entirety of the loan term ; I was shocked. I 'll have paid almost {$2000.00} on a {$500.00} loan. 

I assured the employee overseeing the agreement, of an early payoff. Twice. Any other lending institution would interpret that as 'a resolve to pay less in fees and interest '. My associate met that comment with silence. Twice. 

I see now why. Clarifying that an early payoff does little to diminish the original amount borrowed, probably is n't great for business. At best, Payday lending practices are exploitive and predatory. Installment loans however, are a new and vicious tool for wealth extraction, ensuring financial indentured servitude. 

I take responsibility for failing to comprehend the terms. I quite honestly lacked the imagination for a loan of this structure. I still find its legality unfathomable. We would imprison an individual for privately lending with these terms. And yet this industry loans with relative impunity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I hired home depot to do a kitchen remodel. It was supposed to be a three day job starting XX/XX/XXXX and ending XX/XX/XXXX. As of today XX/XX/XXXX over two months later, the job is still not complete and I get no solid answers from Customer service. Only lie after lie from the back office. I have asked for a refund and my requests have gone on def ears. Please help get me a refund for the job that has not been completed in over two months so i can move on and have someone else complete the work. I get the credit card bill each month and pay for a service that has not been completed!!

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 02-07-2018 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: Account information incorrect

Complaint: My closing date for the XXXX XXXX  credit card is allegedly the XXXX of the month. However, according to XXXX  the last time my account was updated was XX/XX/XXXX. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full on XX/XX/XXXX. My account should have been updated by now, XX/XX/XXXX. I spoke to a supervisor, XXXX who stated she could not or would not correct the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record. 

Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We worked with a GREAT mortgage person to secure a mortgage loan in XXXX with PUF. We have been ON XXXX & XXXX & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about XXXX of XXXX, we have been getting " collection calls '' EVERY month. XXXX is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service approach!!! Again I have had a half dozen mortgage loans & NEVER have been late & NEVER had this kind of service or better description, HARASSMENT! I have to go to my account EVERY month & make sure that all my deposits were made, as ell as my online bills posted. I have had my account compromised more than one time by the online thieves. So needless to say this cause unnecessary STRESS, when I get a " collection '' call, for a mortgage that is & always has been CURRENT! I asked the CS gal if they would call me for the next 30 years, EVERY month, if not paid on the XXXX, ( which they give you until the XXXX each month to pay ) she said yes probably, but I could set up auto-pay to avoid their calls. I had to remove my husbands phone number from the database as they were calling him at WORK! Talk about unneeded added STRESS! I have had been hung up on in previous months, because the rep who answered the phone when I returned the call did not have XXXX as his first language & he could not understand me. On another occasion, the " collection person '' who left me a message did not hang up her phone after leaving the message, so I got a 45 minute voice mail. This is the worst CS I have ever received, only second to XXXX XXXX XXXX who is rumored to be going out of business here. What upsets me even MORE is the fact these companies who loan us money or offer services OWN us through the credit bureaus. They can report anything they want ( as they PAY, and are the credit bureaus CUSTOMER ) and there is NO real verification process. Then our credit worthiness is determined by a FLAWED system/number AND the XXXX NEVER match. Because the harassment policy of XXXX, I will NOT be recommending them to anyone! If they do NOT CHANGE this harassment " collections '' policy to STOP stressing good customers, I will be reporting them further & I WILL change my phone number with them.

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 03/29/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

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 07/22/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a mortgage modification from Wells Fargo for nearly five years. Recently they came up with an offer of {$960.00} per month over 281 months at an interest rate of 3.75 %. My previous payment was {$910.00} per month. If I can not afford {$910.00} per month what makes Wells Fargo think I can afford {$960.00}? I feel that Wells Fargo has NOT done everything possible to get me a lower monthly payment. There are several solutions I have been able to figure out, what ca n't Wells Fargo? About 6 months ago Wells Fargo made a big deal in the news media about giving a new home to a veteran for free. Now they are trying to make another veteran homeless. I am not asking for a free home, just an affordable one. All that good will that free home got wells fargo could be wiped out with the news story of wells fargo swindling another veteran out of their home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I called Chase XXXX XXXX card phone number to submit a credit card dispute. The representative had trouble understanding me and enter incorrect information on the dispute. I requested to talk to the department supervisor named " XXXX '' at their XXXX XXXX Office. I ask " XXXX '' to send me a formal chase credit card dispute application so I can put everything in writing and they will not be any misunderstanding. XXXX refused to send me such application. I asserted my right under Fair Credit Billing Act and ask XXXX to send me the application. He again refused. He said he can not send me dispute application to my address because the dispute can only be handled via phone and they can not help me with the dispute based on my verbal answers to the representative even though I told him the representative had an English accent and can not understand my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I co-signed a student loan for my daughter years ago through I believe was XXXX XXXX. Since then the load was taken over by NAVIENT. I had no knowledge or notice of this transfer and in the process NAVIENT did not have any correct contact information for me on hand. Last year I get notified by my credit reorting service that a late/non-payment notice hit my credit score ( XXXX ). I contacted both my daughter and then NAVIENT, updated my information, paid whatever was due, and asked them to remove the late payment from my credit report since I had not been previously been contacted about the payment. After many attempts to have this corrected, nothing has been done and no one can give me an answer as to why. Also no one will call back. I noticed your agency filed a suit against them and thought you might be able to help. I have never had a late payment in my life let alone a non payment. I would like to have this fixed. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Experian numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I live in.

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 12-02-2015 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXXTelephone : XXXXComplaint against : The Advantage GroupXXXX XXXX or XXXX XXXX, NM XXXX spoke to XXXX at the advantage group, she only asked me my address. She acknowledge that the collection company had accessed my file at the reporting agencies. I said, " You do have my correct address, yet you never notified me of your intent to verify this debt ''. I further asked XXXX with the Advantage Group to provide me with complete verification of the debt that they have on me. If I in fact I owed it, I would seek to pay it. XXXX never sent me any verification of the debt that she put on my credit report. Their attorney conveyed to me in his faxed memo, XXXX XXXX XXXX The Advantage Group 's attorney ) wrote about me, " but he was evasive and would not verify his address or his social security number ''. This is a false statement. They had all my information because the advantage group had placed a unverified collection on my credit report without even a five to 30 day notice to comply. 

It is a matter of protocol that if an agency that has access to a person 's credit file, that same agency requesting information has to know the required data to be able to post a collection and or any information on a consumer. 

I explained to the advantage group 's representative ( XXXX XXXX, in accordance with Federal Consumer Credit Protection Act I had a minimum of 5-30 days to respond to a debt collection attempt. She offered to remove that posted item to my credit file based on our conversation. 

This debt collector is seeking payment for an amount not permitted by law or by the contract in the amount of an interest charge also. 

My original contact was with XXXX XXXX XXXX at his examining offices. I paid the full amount of {$470.00} on the day of the visit via my visa card for all services rendered. I was never told that XXXX XXXX XXXX ( the original vendor for the assumed debt ) would be sending me an additional bill, nor did I have an agreement to pay any accrued interest if any bill went unpaid with XXXX XXXX. This is clearly an attempt at usury cost never agreed to. 

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt. This alone violated my rights. 

The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights.

Company response to consumer: Closed
Consumer complaint received 04-06-2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other fee

Complaint: I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
We were told during the transactions ( we called the AMEX representative and made the transactions over the phone ) that there would be no foreign transaction fees. XXXX XXXX of the chairman 's office said these fees would be removed as the AMEX mistakenly told us there would be no fees. XXXX told us they would be removed nearly a month ago and that has not occurred ). We ask that the entire charges be removed but if AMEX is n't willing to correct the larger error of the entire charge resulting from their miscommunication then at least remove the charges that you agreed to. 
I expect answers to be provided through this system and not via separate mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I failed to be informed by Navient that my income based repayment was up for renewal last year. This resulted in my bank account being deducted a payment nearly {$800.00} more than my previous payments. When trying to resolve this, it took a few months and documentation provided by Navient is unclear and now states I was in forbearance twice. 

After realizing I failed to resubmit my application for income based repayment, I called Navient and explained I could not afford the payment and they suggested I go into forbearance for a short amount of time until the whole thing gets fixed and I will receive a refund from the DOE after I submit my application. This was their suggestion to which I thought was fine. I am now learning that since I went into forbearance, the unpaid interest on my account was capitalized causing my principal amount to to increase almost {$4500.00}. 

They failed to provide me with other solutions and support and I was not aware I would be adding almost {$4500.00} more to my principal amount. 

This seemingly harmless act of forbearance has added years to my repayment and more interest in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A representative from XXXX XXXX XXXX contacted me in regards to a debt owed from the creditor XXXX XXXX XXXX, XXXX. I told the representative that I am a victim of identity theft and the representative stated to me, he did not believe me. I hung up the phone and the representative continuously called me backed and harassed and verbally abused me by swearing at me telling me, I owed the debt and start telling me I will be arrested if I do n't pay this debt. The representative is in violation of Minnesota debt collection laws and The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation