milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THE LOAN WAS ORIGINALLY TAKEN OUT IN 2005 FOR {$20000.00} I WAS GIVEN DEFERMENT BECAUSE THE SCHOOL ( XXXX XXXX UNIVERSITY ) LOST IT 'S ACCREDITATION AT THE TIME AND I TRANSFERRED SCHOOLS. ONCE I STARTED PAYING ON THE LOAN I WAS GIVEN AN AMOUNT TO PAY AND WAS NOT TOLD IT DID NOT APPLY TO THE PRINCIPAL BALANCE. FAST FORWARD A FEW YEARS, I LOST MY JOB, MY MOTHER TOOK ILL WITH A XXXX XXXX, AND I BECAME XXXX. XXXX XXXX SOLD MY LOAN TO NAVIENT, WITHOUT MY KNOWLEDGE AND I STARTED RECEIVING HARASSING COLLECTION CALLS FROM A COMPANY I NEVER HEARD OF. NAVIENT THEN SOLD MY LOAN TO XXXX XXXX XXXX AND I STARTED PAYING THEM $ XXXX- {$250.00} A MONTH SINCE XXXX 2015. NAVIENT STATED MY ACCOUNT IS CLOSED ON MY CREDIT REPORT AS A CHARGE OFF, BUT THEY ARE STILL REPORTING NEGATIVE ON MY CREDIT REPORTS, WITH FAILURE TO PAY. I AM ACTUALLY PAYING THE NEW CREDITOR FAITHFULLY EVERY MONTH OUT OF MY PERSONAL CHECKING ACCOUNT. I HAVE DISPUTED THIS MANY TIMES WITH ALL 3 CREDIT BUREAUS AND HAVE ASKED NUMEROUS TIMES FOR NAVIENT TO CORRECT THIS INCORRECT INFORMATION. I HAVE SUBMITTED ALL PROOF OF PAYMENT ( EVERY CHECK THAT HAS BEEN PAID THROUGH MY CHECKING ACCOUNT WITH XXXX XXXX XXXX ) ONLY TO HAVE NAVIENT SAY THEY WO N'T REMOVE THE NEGATIVE REMARKS/LATE PAYMENTS, AND THAT THEIR INFORMATION IS CORRECT, WHEN IT IS NOT!!! MY LOAN WAS SOLD TO A COLLECTION AGENCY AND I HAVE BEEN PAYING EVERY MONTH. I HAVE ALSO ASKED NUMEROUS TIMES FOR THEM TO SEND ME MY ORIGINAL LOAN INFORMATION AND THEY HAVE FAILED TO DO SO. THEY ARE REPORTING INCORRECT INFORMATION, WRONG PAYMENT INFO, THE ACCOUNT IS CLOSED THEY SHOULD NO LONGER BE REPORTING ANYTHING, AND THEY ARE REPORTING AN INCORRECT BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I started to get billed from XXXX XXXX for a card I did not open. The bills started coming in XX/XX/XXXX. I called them and told them I did not apply for, receive, or use the card. They investigated and I received a call, in XX/XX/XXXX, stating that they were able to close the investigation and remove it from my credit score.

In XX/XX/XXXX, I received a later from a collection agency stating that they were attempting to collect a debt. I called and explained the above. I never heard from the agency, but the debt was removed from my credit history. About a month ago, XX/XX/XXXX, the debt has reappeared and I am in the process of disputing it again. Last week I was sent a notice of collection of debt. I called the agency and they do not want to hear it and said I am not able to dispute it and I must pay it.

As a result, Sychrony closed my active XXXX/ XXXX XXXX card for delinquency.

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 01/19/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I served the country for 8 years XXXX During my XXXX tour I had an apartment at XXXX XXXX before I started my tour. My former wife and I had many problems with her spending and destroying my credit. Well before my tour we separated and I informed my apartment complex I will no longer be their and would like to take myself off the lease. While touring they sent information that I signed confirming I would not be held accountable. After my ex wife left the apartment while still touring, they reported an unpaid balance and extreme interior damage to the place. I should not be held accountable for her lack of professionalism, unpaid balance or damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I contacted Equifax and XXXX regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX, 2017 that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first.
<P/>
Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This car loan has been on my credit report over  7 t o 10 years and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Billing disputes

Complaint: I have contacted Chase several times that I do not owe charges to XXXX XXXX Gift Cards. They claim I never returned them, I provided a tracking number that I did. They claim I used them, I showed proof of the gift card denial of charge at a merchant. I filed a dispute back in XX/XX/XXXX and they tried re-billing me four months later. Then they tried rebillingme for another charge two months ago. The charges were approx. {$5000.00} each, totalling {$25000.00}. I am very upset and this is not fair. They have 60 days to resolve my dipsute which they did resolve it in my favor. But now they changed their mind by re-billing me and saying that they are valid. They even sent me a letter saying that they were resolved in my favor. This was on XXXX different credit cards XXXX ending in XXXX and XXXX. They can not re-bill me four months later and nine months later. I have even contacted them more than multiple times. They told me they 're closing down my credit cards with them and ending my relationship because of false disputes, which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the  CEO   XXXX   XXXX   XXXX   XXXX   office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XXXX of 2016 my XXXX XXXX account was in good standing, and there was an available credit. I was making my payments on time each month. Although I was making my payments on time each month, the payments were becoming a bit too much. I was going through a divorce and my husband left me with nothing. I called in to speak with someone as to what options I would have. I was told that I could enter into a hardship program. I was told to make a payment of {$79.00} a month for one year, and that I would not be charged any interest as long as I did this. I did exactly what I was told and made the 2st payment by the day that I was told to make the payment. After that first payment I received an email that I not only missed payment but that I had a late fee because I did not pay the minimum amount due, even though I was told to only pay {$79.00}. There was a mistake on the behalf of the credit card company. I was told not to worry about it, and to continue making the payments, and that whatever interest charges & late fees I received would be knocked off the account. Each month went by and those fees were not removed. Every time I would call and ask about it, I was told not to worry about it, and at the end of the years time, it will reflect all my payments. Well at the end of the years time, I started back receiving regular charges they were way too much for me to afford in the original charges and fees that I received after making the first {$79.00} payment was never removed. Also, the payments I had made over the year were not showing. My available credit at the end of the program was less than what it was before I started the program. When I called back after a year to ask why it was still on there and to get the situation rectified the service rep as well as the so-called manager that I was put in contact with was completely disrespectful. They laughed at me, they basically told me that there was nothing I can do when I asked what was going to be done. The guy literally told me he was not going to do anything, and that I needed to make the payments. Well now the payments are too high for me to make and it is making my credit score go down. When my husband left me I was really struggling and my credit score was down below 400.  I have worked really hard over the last year to pull my credit score up to about 635. It has now knocked down numerous points each month because of this one credit card. I feel helpless and I do n't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pulled my credit report this morning  XXXX / XXXX / 17  and saw a collection reported by this company  XXXX / XXXX / 2017 . I dont know who they and why they are reporting this to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: THIS IS A COMPLAINT AGAINST CREDIT CARDS OF THE CITI BANK. I AM A CITI GOLD CLIENT, I HAD WITH ALL THE PRODUCTS IN WHICH THE CREDIT IS THERE, CITI PRESTIGE, CITI THANK YOU, CITI COSTCO, CITI HOMEDEPOT AND CITI BEST BUY. My MI was stolen. They opened my wallet at an XXXX mall in XXXX, and they took my purse, credit cards and other belongings. I MAKE THE REPORT TO THE POLICE AND AFTER CALLING THE BANK, BECAUSE THE THIEVES TAKE CONTROLS PAYED MY CREDIT ACCOUNTS AND THEY DELIVERED THE MONEY AND LEFT ME WITH AN IMPAGABLE DEBT, BUT YOU KNOW THAT THE REACTION OF THE BANK IS CLOSING ME THE ALL ACCOUNTS, WHEN THE ONLY THOSE WHO HAVE BEEN AFFECTED WERE THE PRESTIGE OF CITI. CITI THANKS AND CITI COSTCO, BUT THEY ARBITRARYLY CLOSED ME ALL THE ACCOUNTS, WHEN THERE IS A POLICY THAT IF THEY ARE NOT CUPABLE OF THE ROBOT, THAT THE BANK IS RESPONSIBLE FOR THE CASE AND DELIVER ALL MONEY TO THE CARD, OBJECT OF XXXX BY THE EXECUTIVES OF CITI BANK, NEVER SENT ANOTHER PLASTIC AND HAVE CLOSED ALL THE CREDIT CARDS WITH HIM, AND HAVE BEEN SO LIEF THAT THEY SAID I HAVE SENT THEIR PLASTIC, HAVE NEVER COME AND LEAVE ME WITH THE DEBT, THE WORST THAN THESE BEARS BEFORE The robot was a customer who paid everything I have consumed and never left with payments and paid the TOTAL DEBIT, AND FOR A STOLE THAT WAS NOT MY FAULT, I WAS CLOSED BY THE ACCOUNTS AND ARE SO ABSOLUTE TO TELL ME YOU CAN APPLY AGAIN. IF AS IF THEM AFTER THE HISTORY THAT HAVE I GAVE ANOTHER CREDIT, THE XXXX OF ALL THIS IS THAT THE MONOPOLY OF THIS COUNTRY IS MANAGED BY CITI BANK, NOW SAY WHO IS GIVING ME ANOTHER CREDIT CARD? I HAVE A CREDIT FOR ABOVE XXXX POINTS AND HOW THEY HAVE THE XXXX NOW I CAN NEVER BE ABLE TO HAVE A CREDIT CARD

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 08/19/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Forbearance / Workout plans

Complaint: I contacted the customer contact center to discuss alternate payment methods. I went through an interview process discussing monthly expences. At the end, they concluded the amount owed vs what the income was, was higher, but they could not lower my payment. When I asked how that made any sence, if they see obviously the gap in income vs debt, the gentlemen in the collection area became defensive and basically told me its my own fault im in the position I 'm in, and they ca n't help. When I asked to speak with someone else to get another perspective, he refused. So I asked for his name so I can discuss with someone in their executive area, and he stated it was n't necessary and hung up the phone. How am I supposed to work with my creditors to honor my obligations when they act in such a manor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Medical debt) with Advantage Collection Professionals, Inc. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was contacted by this company repeatedly from this company. I received XXXX but it was done incorrectly by a Dr. that was not suppose to be doing these procedures. I had to get a real doctor to fix my XXXX. The company closed soon after and the lifetime warranty was not respected. The company was a fraud. I am not paying for the torture and debt that this company put me through. The pain and money it cost for me to fix my XXXX. I could have went XXXX  due to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Savings account) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Deposits and withdrawals

Complaint: I have a savings account with the Pentagon Federal Credit Union. I have been making deposits once a month for many years. Several months ago I got a notice threatening to send the balance of my account to the State of Texas because presumably my account had been dormant for more than a year. Of course, I called them up and a service rep told me that was a mistake. I was advised that my account was not dormant and to ignore the message. I am now in the process of buying a home and found out that in XXXX of 2016 PFCU withdrew {$29000.00} from my account and sent it to the State of Texas! While the PFCU reps accept they made a mistake, they still claim I have to wait from 90 to 120 days to get my money back! I am in the middle of a contract to buy a home and need the money right away. I risk to lose the home I want to buy. I have wasted a lot of time on resolving this issue. I have called PFCU about five times. They always promise to look into it and call me back. They never do.

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 monetary relief
Consumer complaint received 01-02-2017 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The basis of my complaint is that Fidelity Creditor Service has been reporting against my credit since XXXX without valid proof of debt. 

In spite of their claims to the contrary they have never provided any proof. Since I know for a fact there was never any agreement between me and the supposed original creditor it is impossible that any proof could exist. Since XXXX FCS has been trying to force me to pay them {$9300.00} without a Contract or Agreement, Signatures, Invoice, or Court Order. Nothing in the documents they provide implies, suggests, or proves a debt for any amount is owed by anyone. They continue to illegally report against my credit trying to force me to pay them {$9300.00}. 

This was totally substantiated by the documents they eventually did send me due to the complaint I filed with the CA XXXX in XXXX, XXXX. In their accompanying letter FCS suggests that if any questions I should contact the original creditor XXXX XXXX. I have informed FCS many times the original creditor XXXX has been out of business nearly 3 years. I have repeatedly requested from FCS updated contact info. Call the phone number they provide and hear for yourself it is no longer in service. A perfect example of how FCS tries to intentionally mislead and misdirect. Copies are included. 

Fidelity Creditor Service insists a proposal form and filings for dismissal of a small claims court case is considered a valid debt. This filing clearly shows me as the plaintiff and the supposed original creditor as the defendant. She in turn was going to countersue. Both cases were dismissed before going to trial. A quick search of XXXX County public court records using the case number provided from FCS clearly shows the entire case dismissed. A copy is included. 

In XXXX, XXXX I filed a complaint with the CFPB against Fidelity Creditor Service in an effort to force them to provide to me proof of this debt. They could have just simply sent it to me but instead uploaded a reply full of inaccuracies clearly designed to confuse. Their reply states they have validated this debt and are quite satisfied having it remain on my credit. 

To help illustrate the frustration dealing with the ongoing FCS lies and deceit I am including a page from my credit report. It is the result of an XXXX request sent in XXXX, XXXX to FCS on my behalf to validate this debt. A copy is included. 

I am also including documents that while not directly connected to my situation illustrates how FCS has a proven history of a complete lack of moral or business ethics to attack unsuspecting consumers. It is my opinion the XXXX/FCS operation is unlawful and predatory. They advertise that a consumer 's credit will be reported against for a small fee while taking no responsibility whatsoever regarding debt validity. 

Sincerely, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have repeatedly disputed credit report information to Trans Union regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ) and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately XXXX reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your 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