milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received an alert from my credit monitoring service that I had an account placed in collections, which I knew was inaccurate because I have no accounts which are delinquent. I contacted the collection agency about the alleged debt, and they refused to advise who the original creditor was, so I sent them a dispute of debt validity via certified mail. After that, I disputed the information with one of the other credit bureaus, which, after reviewing the information, agreed to remove it and promptly did so within XXXX hours of my contacting them. 

Equifax, however, has refused to remove this information, despite the fact that after repeated contact with the collection agency, I discovered who the alleged original creditor was, and they even confirmed that this alleged debt ( from XXXX and a XXXX years ago ) did not exist and that they did in fact NOT send it to collections. 

This information needs to be removed immediately and I have disputed it twice now with Equifax to no avail, despite the other CRAs acknowledging this information is indeed erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!

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 12-04-2017 about Debt collection (Private student loan debt) with NELNET, INC. (VA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I open a class account for my XXXX son XXXX XXXX and myself XXXX XXXX, when I open the account I made clear that this account have Not overdraft privilege., but Bank of America has charge more than {$130.00} in overdraft fees. I CALL THE BANK and they told me tha they wo n't take those fees. 
Please investigate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2015 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Rewards

Complaint: Barclays closed XXXX of my credit card accounts. Notification was received via letter dated XXXX/XXXX/2015. The letter states " we regret to advise you that we are unable to maintain an account with you because of your history of usage. '' I received no prior communication from Barclays indicating any issue with the usage of my card accounts. If Barclays means a history of usage that includes 100 % on-time payments, varied and numerous purchases, and an impeccable 20-year credit history ( my last credit application a month ago had a FICO score of XXXX, as reported to me by the lender ), then I can only arrive at the conclusion that Barclays chose to close the accounts to avoid paying out substantial earned yet unredeemed rewards points. The Arrival card account had at the time of closure XXXX miles as shown in the attached account summary. The Arrival miles are redeemed with a 10 % bonus against travel expenses worth {$3500.00}. The Upromise card account had XXXX transactions that started to age, coincidentally, on XX/XX/XXXX to earn the bonus 4 % rewards for using the Upromise shopping portal in conjunction with the credit card. This bonus takes 8-12 weeks to post with the first transaction hitting that milestone on XX/XX/XXXX. I estimate the value of those rewards to be roughly {$440.00} ( XXXX transactions x {$1200.00} average price x 4 % ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I WORK FOR COUNTY OF XXXX XXXX. I HAD AND CONTINUE TO MAINTAIN FULL MEDICAL INSURANCE.
COLLECTION CONSULTANT OF CALIFORNIA ARE WRONG AND INTENTIONALLY ATTEMPTED TO AVOID MY REQUESTS.
I tried several times previous to provide all my insurance information. Because I see no difference to my DEROGATORY MARK, I believe that my medical information was intentionally hidden, AVOIDED, or ignored. Yes, my insurance was provided. As I work for the county still. Why are they intentionally avoiding my medical providers and my insurance? I forwarded all my medical information, plus medical insurance copies through CFPB. Reporting this as an intention by the collector to defraud a consumer : by extending a clients medical history insurance information and having it voided later.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from MCM dated XXXX17 stating the following : Dear XXXX, You have already paid MCM {$3700.00} and we want to help you resolve this account once and for all. Call XXXX XXXX XXXX XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time Midland credit management, inc. would like to thank you for paying {$3700.00} signed XXXX XXXX, Division Manager I called Midland to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We currently have a mortgage on property in XXXX PA XXXX with Chase. Chase regularly misapplies payments and will apply payments to principal rather than to the normal payment due. Chase will then contact us to tell us that our mortgage is past due and threaten foreclosure. This happend approximately XXXX month sago and after a conversation on the phone they finally fixed their error. This has now happened again. I contacted Chase on XX/XX/2016 and after a long discussion their representative advised that they had misapplied the XX/XX/2016 payment to principal, would reverse it and issue a new statement within XXXX hours. On XX/XX/2016 i received a new collection notice stating that we were XXXX months behind and we still owed additional funds. Since we pay our mortgage every month this seems quite impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a small loan XX/XX/1993. It was about seven thousand dollars. I paid it off I thought as it was drafted from my check for years then just stopped so I thought it was paid then out of knowhere I had Great Lakes take a loan and now tell me it 's a consolidation loan and that I do n't qualify for loan forgiveness as I am a XXXX now they say I owe over fifty thousand dollars. This stinks of fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am receiving emails with other individuals personal loan information from my student loan servicer Navient. When I tried to research their Privacy statement it is mostly directed to sharing information to third parties. I believe it has to be some kind of breach of privacy if I am receiving other people 's emails and makes me wonder who is receiving my personal loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I recently received a {$100.00} settlement check from Citibank. This check was a refund for the credit protection plan that I purchased. When I tried to use the credit protection plan, i was denied. This denial has cost me thousands of dollars and a lot of stress. It ultimately resulted in garnishment against my wages. I do not want to accept this settlement, which looks as if it was initiated by CFPB. I have contacted a lawyer and we need to know if this settlement is my only means of recourse -- i.e. can I bring about a lawsuit on my own. 
I have not and will not cash that small sum. The shame, embarrassment, strife and stress that has been caused in my life are worth more than a {$100.00} reimbursement of payments made. 

After being denied usage of the consumer protection plan that I paid for -- for years, I contacted a credit counseling agency. Every credit card I had accepted the arrangement -- except Citbank. As noted on the attached file, after contacting consumer credit counseling, I made payment arrangements with Citibank. Instead of those payments being applied to the account ... a partial deferred action was placed ... so I was paying {$300.00} plus a month and nothing was being taken off of the account. I fell behind and couldn't pay.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Medical) with Green & Sons Agency, Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 12/31/2015 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Unsolicited issuance of credit card

Complaint: I thought I was not signing for a credit card but somehow now I carry a paypal credit card which I really do n't want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: unauthorized inquiries on XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Agency has taken over 30 days to respond to reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : XXXX, Citi Bank N/A, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have private student loans with navient and XXXX when I applied for them they never were upfront with me on fees, payment plans, and how many loans I exactly had with them. 
I know am over XXXX dollars in debt with them and am required to pay close to {$900.00} a month in payments to them. I only work on call and do n't make this kind of money they are not willing to work with me on this matter and are very rude. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently unable to afford my debt due to going through a divorce and not having decent employment. I am working as a waitress part time, trying to find a teaching job in the area. I am on government assistance for health care and food stamps and with my income situation, I can hardly afford rent to support myself and my daughter, let alone student loans at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with First Mortgage Solutions (SC).
Issue: Credit decision / Underwriting

Complaint: Lender is not honoring the locked rate and loan estimate as per initial loan disclosure, as their investor has not agree on manual underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: XXXX appraisal fee not refunded after closing failed on refinance attempt in XXXX of 2015.chase bank XXXX XXXX XXXX XXXX Zip codeXXXX.The appraisal fee shoud have been incorporated in closing cost ... .but commission broker too money and not responding to numerous voicemails and emails.His manager has done the same after the branch manager emailed him to contact me.possible pocket of funds due to thinking I am not entitled to appraisal fee refund.NO appraisal fee was warranted at time to refinance.They are playing dodge ball ... .thinking I will give up ... ... .please help me ... thanks

Company response to consumer: Closed with explanation