milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with North Shore Agency, LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I received a letter of demand from NSA also known as North Shore Agency regarding case number XXXX which is another collection agency that XXXX XXXX has chosen to send my name too and as of today 's date they have never responded regarding my initial complaint where they were to credit me the amount of {$3500.00} on my bill due to the errors that they made as well as false misrepresentation to the consumer. Today is XXXX XXXX, 2015. I have still not heard from them and instead of them fixing the debt showing the correct amount they have decided to throw my name to different collection agencies in order to ruin my credit. I have requested on numerous calls, and tried on many occasions for this account to be closed this company refused and would continue to bill me after I tried to close the account only to be told we can not do this today its a billing cycle or hang up the phone on me. When XXXX was not doing that and I got an agent the agent would keep me on hold for more than two hours trying to get assistance and by that time would come back on the phone and disconnect the call in order not to be the XXXX to disconnect a large account that had smart phones with more than XXXX lines at the time. Every time I requested my credit I would be told its not on this bill it will be on the next cycle. I was quoted a price that never was what my bill was and they continued to put even more fees that they never advised they were going to put on and it took months to get the line disconnected because XXXX deliberately kept billing me for lines in order to make profit from a consumer that advised them that they wanted the credits they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with Timothy C. Runyan, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am continuing, for my rights for a debt that I do not owe where my income tax, veteran check and pension check is be garnished, my bank account is frozen, I ca n't pay my bills.i still have this company in dispute, they never validated this bill I 've ask them for XXXX yrs, they never did it yet they never call me not once, to prove this bill is mine even though i was defaulted for not going to court. For a bill they will prove I owe.thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my TWO previous request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA they are bound by law to ... ..Delete ALL information which is inaccurate or incomplete or can not be VERIFIED, that I have disputed Thank you in advance for resolving this matter..

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 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On or around XX/XX/XXXX of last year, I noticed that the total balance the consolidated loan had increased substantially. As I remember, I did make a call at the time and was not given a response in a understandable manor or there than the account information and terms were correct for the balance. Still the balance of payoff had changed. recently, I have filed a complaint with the CFPB noting that over the course of 10 years I have paid over 40k and still owed XXXX on the loan I have been paining over the month payment requirements. Today, I received an email saying that there were documents were sent to me from Navient on the Navient website. With some difficulty, I was able to find where the documents were and opened them. to my dismay there was 2 documents that were there dated from XX/XX/XXXX of last year. I never received copies of these documents in my email or in the mail. basically they said that due to the fact that my loans that where consolidated had different closing dates and that they had to be the same by federal law. It also stated that they " Navient '' was extending the loan term to the maximum amount allowed by law. I did not consent to this change nor was I informed of this process to object to it. This allowed Navient to basically steal 10 years of payments received on the account. This also in basic terms reset the loan length to accrue more payment and interest that they could have attained by any other process. This is dishonest and deceptive practice as well as fraud. this adds to the fact that the loans were consolidated without my consent. As the documents that they sent to me for the consolidation of the loan was an electronic signature and I did not consent to the consolidation. That being said, changing the length of a loan term without informing me of the issue or receiving my approval by the normal means of communication was a subversive attempt and deception on the part of Navient to lock a loan in for a much greater time frame and payment. This also increased the interest generated per month on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: Chase Bank XXXX : XXXX I closed the account when I was having an issue transferring money to my account. The amount I transferred was {$410.00} the remaining balance which later I received a letter that I owed. Once I went into the branch and they looked over both accounts it was handled. I never owed Chase any money the previous amount removed and the bank teller did not close the account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting XXXXredit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (CT).
Issue: Struggling to pay mortgage

Complaint: Late last year I submitted a complaint regarding primary residential mortgage company. I had made an arrangement to pay my mortgage current. Before this day even arrived they had mailed a letter to me regarding my mortgage being in default. They sent also sent someone to my home to hand deliver a letter with the same information. This man who delivered the letter, then stood in my drive way taking pictures of my home. My children were home and upset that this person was on our property taking pictures. I submitted a complaint regarding this matter and the mortgage company answered stating that they were justified. This in my opinion is harassment. This is my home. This is embarrassing and on the mortgage company 's part, very unprofessional. I may have had issues meeting my payment but my family and I still deserve privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX I filed the following complaint on-line with the Office of the Comptroller which acknowledged receipt, assigned a case number ( XXXX ) and then mailed me a letter, dated XX/XX/XXXX, saying our case would be under the jurisdiction of the CFPB. They were " forwarding '' it. I now am told you have no record of this. Thus, I am resubmitting on your form the exact information I sent them : In late XX/XX/XXXX, we began the process of getting information on reverting our current line of credit 2nd mortgage back to interest-only. Our experience at our local Bank of America branch was alarming -- with extremely incompetent help. We contacted XXXX XXXX, Wealth management Retail Sales Manager and Sales Manager, as his name and phone number were on the documents we received. He apologized and asked us to " start over, '' that he would handle it personally. He came to our house on XX/XX/XXXX. After giving us information we all agreed that the best choice was just as we wanted ... to go back to an interest only home equity line of credit. My notes show he said we could have an interest-only home equity loan as long as we kept it for 3 years. He initiated the process. It took Bank of America until late XX/XX/XXXXto finally get the loan processed even though we have a checking account, first mortgage and the 2nd mortgage with them. Suffice it to say we have gotten numerous alarming and confusing mailings and phone calls asking for information, only to be followed with someone telling us the information requested is not really needed. Late XX/XX/XXXXwe got a call to schedule settlement. Details such as final interest rate were shared, including our payments. These were P + I payments. I explained that we were getting an interest only loan. I was told by the caller, XXXX XXXX of the closing department, that Bank of America dpes NOT even offer an interest-only loan any longer! We were shocked and dismayed. We feel this is an obvious bait and switch, with us investing time and energy in a process only to find they never were giving us what was promised. We are extremely concerned with this level of deception and want it investigated in the hopes of preventing other consumers from experiencing the same.

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 12-08-2017 about Debt collection (Credit card debt) with NRA Group, LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection report was posted to my credit report after paying the debt in full to the original creditor. There a 3 from the same original creditor that were set up on a payment plan. The debt was payed in full in XXXX/17. The new creditor is trying to collect on this same debt 3 months after it was paid in full to the original. I will include the Bank documents to prove it. It infuriates me that they are reporting falsely and that I have to spend time fixing. I 'm pretty sure it 's illegal to try and collect a second time on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my TransUnion credit report. Regarding the following inquiries. 1 ) XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX, & AGAIN on XXXX XXXX, XXXX, XXXX ) XXXX XXXX  Inquiry from XXXX XXXX, XXXX, 3 ) XXXX XXXX Inquiry from XXXX XXXX, XXXX, 4 ) XXXX Inquiry from XXXX XXXX, XXXX, 5 ) XXXX - Inquiry from XXXX XXXX, XXXX ( and ) XXXX XXXX, XXXX. I have disputed these unauthorized inquiries for several months with no help from the companies or TransUnion. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with any of these companies. I have had no response from certified letters sent to several of these companies. XXXX XXXX service is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX  Company keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an updated address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that TransUnion do their job and abide by the laws!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

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 07-03-2017 about Money transfer, virtual currency, or money service (Money order) with Professional Debt Mediation, Inc. (GA).
Issue: Lost or stolen money order

Complaint: In pursuit of a fraudulent debt assigned to Professional Debt Mediation by my former landlord, XXXX XXXX XXXX, a fake Certified Mail notification regarding a claim on my {$300.00} rental deposit was generated on X/XX/2016 in order to steal it and cover up the fact that a claim on it had already been submitted to the Credit Reporting Agencies more than two moths prior without notifying me about it beforehand in violation of Florida Statute 83.49 ( 3 ) ( a ), which requires that landlords notify former tenants within 30 days via Certified Mail ( unless the tenant vacates or abandons, which is not applicable when the Courts order the Sheriff to possess the apartment on behalf of the landlord ) of any intention to impose a claim on the deposit and also to refund the deposit before continuing any additional collection activities ( see XXXX ). Moreover, the landlord feloniously intercepted the fake Certified Mail notice on X/XX/2016 with the help of the XXXX for the route -- who was obligated to forward all of my First Class mail on a permanent basis as of X/XX/2016 ( see section 2.3.7 at XXXX for details regarding the applicability of Certified Mail as it pertains to Change of Address requests ) -- in an effort to prevent me from finding about the landlords illegal conduct.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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 no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Experian instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.

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 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously disputed this debt with   XXXX   XXXX   on   XXXX   XXXX   via certified letter to the Credit Bureau and   XXXX   XXXX  . I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. When I called to set up the account I confirmed with the customer representative that the promotion would apply if I met the criteria. I then met those criteria and expected to receive the XXXX AAdvantage miles by XX/XX/XXXX ( 90 days after the end of the billing cycle in which I met the criteria ). During this time I was charged three monthly service fees of {$30.00}. Now, after opening the account with the promotion and meeting the requirements Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$90.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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