milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Accelerated Creditors Services, Inc (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Visited urgent care XXXX/XXXX/XXXX. Received bill for services with balance owing {$130.00} in XXXX. Set up and paid 3 payments in XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX with balance paid in full with XXXX payment. Received notice in mail XXXX from debt collector Accelerated Creditor 's Services with a balance due of XXXX. Called urgent care XXXX and was told final bill was sent in XXXX, stating that collection efforts would start 14 days if not paid in full, and that 35 % fee would be added to balance. This information I requested to be faxed as I did not receive. Fax received XXXX showed letter was sent to wrong address, the letter was addressed to different address than mine. I was not notified of final bill and collection efforts of 35 % of balance due in fees. Was told by urgent care XXXX that balance reported to credit bureau and collection efforts would continue because I did not respond to XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Sale of account

Complaint: I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this time.

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 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery is trying to collect a debt they bought and they are not licensed to operate in my state. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with SECURITY FINANCE CORP (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: The company is Security Finance in XXXX XXXX GA. When people such as my sister takes out a loan with them ; they are constantly calling the listed references ; especially if the reference is a relative to leave messages. 

My sister do not live with me and have ask them to stop calling my number constantly to leave messages regarding her debt. 

However, the calls are continuing and aggravating. 

Thank you.

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 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/XXXX I was given 2 separate Parent Plus loans. XX/XX/XXXX {$22000.00} and XX/XX/XXXX {$15000.00}. In XX/XX/XXXX I Consolidated but those loans, XX/XX/XXXX {$38000.00}. {$22000.00} + {$15000.00} = {$37000.00} + interest = {$38000.00}. I have no clue how this happen but they took the 2 loans that I consolidated $ XXXX {$15000.00} and the new consolidated loan {$38000.00} and added them together. $ XXXX/ {$15000.00} + $ XXXX= {$76000.00}. I 'm collecting interest on all of this and I need this resolved. I called Navient/XXXX XXXX for months to fix this and they just gave me the run around. I ca n't pay on something that is wrong. I Do n't know how to fix this, I need help. I feel like my hands are tied on this, I want to resolve this so i can pay on it. Thanks for your Help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax has been potentially been hacked and my information is included in the data breach. My Social Security number and other identifiers are at risk, alongside some 143 million other Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX  put a hold on my entire account instead of just holding the deposited funds.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 been dealing with experian credit reporting agency disputing incorrect information that is reporting on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts do not belong reporting on my credit report. I am uploading proof from XXXX credit reporting agency to show they did there investigation and these accounts were deleted off my report after it was confirmed. Experian last reported that the information I uploaded to show proof was not acceptable. This is completely wrong as it has been confirmed to delete these accounts off my credit report. If there is a problem then I am at least requesting to block these accounts on the report. My credit reports do not match and if I apply for credit depending on which report they pull can affect me on obtaining credit.

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 09-05-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments and it is showing an inaccurate balance on my Capital One Auto Finance account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. I spoke with a lady representative during the week of XXXX XXXX and she stated that she was able to extend my loan and that she would call me back with all the details as of XXXX XXXX I have not heard from her and anyone in the Capital One office.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Macys has been calling me roughly 8 to 10 times a day, for a total debt i have of {$170.00}, even though i have paid every month ( anywhere between the minimum payment to a few hundred dollars so that my debt can go away quicker ), and the caller is an automatic voice saying to call the number XXXX XXXX XXXX to settle my late payment. My next payment is due XX/XX/XXXX and it is XX/XX/XXXX today and i am not late on my payments. When i called the XXXX number the debt collecting person working for macys was rude and cursed me out. Is this legal? I dont even owe that much money to macys ... .i owe a total of {$170.00} and they are acting as if i owe them thousands of dollars and that i havent paid my debt in months and months or something. Please do something about the Macy 's debt collection company because its not right to curse someone out and be rude for just {$170.00}!!!

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 07/19/2017 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I submitted a permanent pre-screen opt-out by mail on X/X/2007 to the address provided on the Pre-Screen Opt-Out web page at XXXX ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: Capital One bank is sending credit card solicitations addressed to my father - who died more than 30 years ago. I called Capital One to ask where they were getting information. The person I spoke to did n't really have an answer. Sending credit card solicitations to a dead person sounds a ) shady, and b ) an open invitation to fraud ( both against my father 's good name and against the company ). How is Capital One getting information on my father? I 'd like this to stop, both for my father 's sake and for others, if they 're also getting these solicitations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Checkr, Inc (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a complaint pertaining to a background check completed by my employer. The company XXXX XXXX XXXX is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: In trying to obtain a mortgage for a condo unit with Chase Bank, we initially shared ALL of our personal and financial information complete with all backup documentation which included the fact that we had an Equity Line on our current property. We were not told this Equity Line would be a problem and so we wasted a month and almost lost our purchase deal before we were informed finally after pushing our close date out that we had to greatly reduce this Equity Line or not receive a mortgage. We were also initially told there would be no 'points ' involved with this loan. As the close date neared with constant encouragement that we were satisfying all requirements, we received another mortgage confirmation letter which suddenly included 'discount points ' of 1.8 % and stated definitely that we would have to cap our Equity Line to a ridiculous amount. 
At that time, we went to XXXX and quickly and professionally were handled with no surprises and were able to close and purchase this condo unit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Sent first dispute letter out on XX/XX/XXXX its was received and signed for on XX/XX/XXXX took them past 31days until i recevied a response, I sent them a second dispute letter that they received on XX/XX/XXXX telling them to remove the account from my report they failed again to respond and did not update " to in dispute '' on any of my credit reports or remove the account off any of my credit report i direct violation Fair credit reporting act, i want this account removed from all reports

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
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: On XX/XX/XXXX Spouse had a car accident XXXX XXXX XXXX which was totaled by XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX. USAA paid XXXX to XXXX XXXX XXXX XXXX, XXXX FL and did not honor the Total Loss Letter sent to the Customer. Instead USAA sent Customer a late notice for Auto Loan Payments on the XXXX XXXX XXXX which was totaled by USAA. I've contacted USAA several times regarding this matter because I informed the Repair Shop on XX/XX/XXXX to stop all Repairs due to the Total Loss Letter received by USAA dated XX/XX/XXXX and XX/XX/XXXX. USAA let the Repair Shop continue with Repairs even after the Customer told them that he would not accept the Vehicle due to the fact the Vehicle is only worth $ XXXX and Repairs totaled $ XXXX resulting in 95 % repaired. This is XXXX XXXX XXXX XXXX XXXX TX that has decided to send late notices and collection notices regarding an Auto Loan for a Vehicle that was Totaled by USAA on XX/XX/XXXX. USAA stated to the Florida Insurance Commission that the XXXX XXXX XXXX XXXX XXXX would not give up the Vehicle. Note : This was not the Customers Shop of Choice and  USAA decided to repair Vehicle at the Shop and not the Customer. USAA is sending negative reports to the Credit Agencies regarding Customer not paying for a Loan on a Totaled Vehicle. On XX/XX/XXXX. XXXX the Bank Officer and Insurance Adjuster informed the Customer that the Auto Loan would be paid off due to Vehicle being totaled. This never happened and USAA kept of sending funds for Repairs even though they asked the Customer to send back Title and Keys to Vehicle. This entire matter is still going on with the Shop stating as of XX/XX/XXXX that a Final Payment is still owed even though the Vehicle was totaled on XX/XX/XXXX. USAA should correct any information they've sent to Credit Agencies because per their letters they were supposed to recover Vehicle and pay out the New Car Replacement Policy and the GAP coverage which was on the Bank Loan! I've sent complaints regarding both XXXX XXXX and XXXX XXXX XXXX XXXX with the Florida Insurance Commission and Department of Agriculture. Note : I was in NY attending my Little Brothers Funeral when the accident happened on XX/XX/XXXX and did not return to Florida until XX/XX/XXXX. I signed the Repair order XX/XX/XXXX which was immediately revoked by letter from USAA on XX/XX/XXXX stating the Vehicle was a total loss. Now I've lost use of Vehicle for 5 months, new car replacement coverage and GAP coverage. Also getting late and overdue notices on my Credit Reports which should not be happening because the Vehicle was totaled and the Loan was supposed to pay off by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: 1 ) I was never made aware by Transworld Systems Incorporated ( TSI ) that they own a debt associated with my social security number. 
2 ) I was also never made aware by Transworld Systems Incorporated ( TSI XXXX that I am able to dispute this debt. This debt is due to identity fraud. 
3 ) Transworld Systems Incorporated ( TSI ) does not operate during the operating hours they have state on their prerecorded phone message ( XXXX ) and website. Numerous times in six months I have called and left voice messages asking for someone to contact me and noone from TSI has bothered to. 
4 ) Five times in the last six months I have requested a fraud packet via written mail and phone message from Transworld Systems Incorporated ( TSI ) and have still not recieved a fraud packet. 
5 ) Transworld Systems Incorporated ( TSI ) may be a ghost compant that does not truely exist or blatantly violates laws pertaining to debt collectors, as evidenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Back in XX/XX/XXXX I had XXXX XXXX dollars in Debt for students loans. I 've been making small payments to them each month since then up to XX/XX/XXXX. Now my balance shows XXXX XXXX dollars. Its extreme painful to keep seeing this loan going up instead of down.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Phone calls from Convergent Outsourcing XXXX. I have no debt does not concern me ... Calls my direct dial work number with an automated message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation