milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know the source of information due to this but the contract for the collection that was place from XXXX XXXX XXXX XXXX which was turn over from ( XXXX XXXX XXXX ) Acct # XXXX in the amount of {$2000.00} is not my account. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Credit card) with URS Holding, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My name is XXXX XXXX. On XXXX XXXX 2011, I received a letter regarding a debt. At that time gave XXXX options to get a settlement. I called and arrangements to settle this account with option # XXXX ( was to pay a lump-sum payment of {$850.00} ). That was a savings of 50 % on my outstanding balance. I received notice from my bank ( XXXX ) that the transaction was processed on XXXX XXXX, 20 11 and the full amount was paid to J.C.Christensen & Associates , Inc. With transaction # XXXX. 
When I called again to confirm the payment was received, the representative mentioned that no further action was needed from my side and the debt was canceled. 
I 'm asking for your help to resolve this issue. 
I look forward to a resolution of this mistake miscommunication between J.C.Christensen & Associated , Inc. And the other collector XXXX XXXX XXXX XXXX XXXX Also, I would like comelet all necessary steps to clean my credit records. 
Manny thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In XXXX and XXXX 2014 I missed payments on my XXXX credit card. It was a misunderstanding on my part. I believed I had set the card up for autopay and had not. I am a XXXX XXXX XXXX and XXXX and XXXX are our busiest times of the year. I did n't see the notifications in the hussle and bussle of the busy season. Regrettably, I missed two payments. 

At the time I had just turned XXXX years old I did n't understand how this would affect me now as I am trying to buy a house 3 years later. 

I have been diligent to pay ontime ever since. I have not missed any payments in the last 35 months and I have a plan to always check to make sure they are paid. I have a reminder set on my phone to always check my statement online and make sure payment goes through automatically.

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 11/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: On XXXX 2015, I and my wife went shopping for a dryer and washer at Sears. The sale person told us that Sears was having a promotion no interest and no payment for 12 months. We decided to buy a dryer and washer and he explained to me the terms verbally and told me that I do not have to worry for 12 months and the credit card department will send me the documents and the statement when the payment is due. 

Sears Credit department never sent any document to me and after 6 or 7 months I began wonder but not worried as the sale person told me that I did not have to worry about the payments for 12 months. However, on XXXX XXXX and XXXX, 2015, I called them anyway just to check why they did not send anything to me. When I called they said they sent the documents to my address and I asked which address, they refused to tell me and they said I have been late. I got upset and disputed with them but they said it is too late. The only thing I could do is to go to talk with the sale person who explained the term to me as them to clear it. I went to Sears. They said the sale person no longer worked there but they advised me to pay it off so that my credit report was not affected. I got no choice but paid everything off on that day. They said they cleared it and I should not be worried about my credit report and they fixed it in they system. 

Now I am planning to buy a house and checked my credit report has the information of late payment with Sears and they said I was late for 150 days, which is not even correct. I am requesting for help in clearing this from my credit report. I have never been late with any other companies as you can see on my credit report and this was because the confusions that Sears had created. Please let me know if have any questions and my cell phone number is XXXX XXXX XXXX XXXX if you need to contact me. Thanks for you help.

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 04/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other fee

Complaint: I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. 

Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. 

I contacted Chase and asked it to refund the charged interest, it has flatly refused.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX ,  XXXX ,  XXXX  Asset Recovery Associate s Inc. ( ARA ) conta cted me, and informed me I had to pay a {$1200.00} debt for an old  XXXX   XXXX  card. I told them that it had been settled around   XXXX - XXXX  but  they insisted I would have to pay to avoid legal repercussions. Specifically a derogatory mark on my credit history to start. I explained again that the debt, which had gone into default in  XXXX , was settled and whatever paperwork I had from it was no longer on file since it was past statute of limitations for keeping it. I asked what legal claim they had to be asking for the money, and why they had n't sent me anything in the mail, to which she replied they were not obligated to do such. If I wanted they would send me paperwork on the settlement if I agreed to pay 10 % of the total debt so they could send me an overnight package containing the information I wanted. This {$120.00} dollars would also stave off any legal action. I received a package the following day which contained a receipt for the {$120.00}, a paper stating I had to pay {$1200.00} by  XXXX   XXXX  or suffer derogatory credit reports, and a self-addressed stamped envelope to mail said payment in with. The first {$120.00} was not removed from my alleged debt, and there was no validation notice, affidavit, or any other legally binding proof that I owed the debt, again. On  XXXX   XXXX , they contacted me again to make sure I 'd gotten the package, and to verify I was going to send more money to which I replied that I was not sending any more, I wanted my initial payment back, and that I was not obligated to give them any money. She told me I would have my wages garnished, and they 'd take me to court if need be. I hung up. After talking to my local bank manager I got copies of all my credit reports, which the debt in question was not on any of them, and he suggested I call ARA and request they refund my money, and cease any more actions over this fraudulent collection, when I mentioned the lack of a validation notice or paperwork explaining my rights under the Federal Credit Bureau and that they were trying to claim an already paid debt she hung up on me. I attempted again on the  XXXX  of  XXXX , and the associate said she 'd put in a request and promptly hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I requested a Lease Buy out from my lease holder Ally Bank on    XXXX   XXXX   , the amount quoted was {$27000.00}. The amount was good until my next payment due date on  XXXX   XXXX .     However during my consult the next day at the dealer, they contacted Ally bank to obtain a buyout amount and received a quote of over {$30000.00}.       Clearly this significantly changed pricing for me to have that amount added to my next loan/lease.     To the least sophisticated buyer this could cause great financial hardship. Especially, if they did not attempt for themselves to obtain a customer buyout. That would have no idea why the buy-off [ minus  ]  dealers bid on your current vehicle would be high.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize 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 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. 
The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received my XXXX from XXXX XXXX in XX/XX/2012 and it cost me over XXXX. Based on the current CFPD lawsuit against XXXX for predatory lending, I feel I have a legitimate complaint. I would like my loan discharged or made reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I thought I was consolidating my student loans to combine them to XXXX and make XXXX payment. But my account was sold to a third party XXXX of XXXX and I have been making payments of XXXX ever since. I was told by the third party that the XXXX} was being applied to my student loan and they would take care of my recertification every year. I received and email from my Loan provider saying they have not recevied a payment for my student in 2 years. I have tried contacting the third party company XXXX Equitable Acceptance Corporation XXXX but I have yet to receive a response. They also report to the credit bureau. I still have a balance of XXXX remaining with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 09-07-2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Taking out the loan or lease

Complaint: OK, these people sent me an email teling me that I was approved for up to {$10000.00}! So I needed some cash to pay XXXX of my bills, but they said that they started from {$2000.00}! Anyway, I think some kind of way that they set me up cause they called them Check ' N to Cash! They were very suspious cause they told me to go to XXXX and get a XXXX to send the {$490.00} that they had put in my account! But they would'nt do it cause they said it was fraud cause I did'nt know who they were, and they did'nt let me get it! So, they told me to get a I tunes gift card and send them the money back on that! Anyway, I did that cause they said that they would deposit the rest of the money! So I did'nt know that they had already deposited some more money in my account! But something happened and my bank put a hold on my account and they said that it was fraud! So they closed my account because of that mobile check for {$920.00} that they had deposited in my account! And then I found out that they tried to come back and get the first {$490.00} that they had deposited in my bank while my account was closed! So thats why Im filing a complaint cause they committed fraud some kind of way because of them closing out my bank account behind this and they said that it was fraud!! Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I withdrew {$100.00} from an ATM on XXXX/XXXX/2015 at approximately XXXX. The money jammed as it was dispensed however, and I only received {$80.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Capital One 360 Checking account i n  XX/XX/XXXX  of th is year. I have an online bank that I use but wanted to change to a more reputable company. I did a   XXXX   search to see which banks are offering promotions. I came across Capital One and they had at least 5-6 promotions they were running. I applied for a checking account that included a {$400.00} bonus. The requirements for this bonus were that I needed to make 2 direct deposits of at least {$250.00} or more within 60 days, accept the terms and conditions and be the primary account holder. It also required putting in a code of  XXXX  when completing the account, which I did and it was ACCEPTED BY CAPITAL ONE. After my 2nd deposit I called Capital one to see when I can expect my new account bonus. I was told that since I was not in a targeted area, I would not receive it. I explained to the representative that this was never explained to me and besides the system accepted my code and never said anything about being targeted. I have talked to so many people and even emailed the CEO  XXXX  and the customer satisfaction team with no resolution. They keep blowing me off. I know for a fact that people all over the United States are receiving this new account bonus. I was able to find that out online from a   XXXX   search.
Capital One 360 Checking Account Summary : Apply Now Account Type : 360 FREE Checking Account Maximum Bonus : {$400.00} Availability :    Nationwide (  DOES NOT SAY TARGETED AREAS!! ) Expiration Date :  XXXX / XXXX /2017 Soft/Hard Pull : Soft Pull Credit Card Funding : Unknown Direct Deposit Requirement : Direct Deposit is Required of at least $ 250+

Company response to consumer: Closed with explanation