milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was compromised. Instead of reaching out to those it believed were involved I had to investigate it myself to prevent potential usage of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 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: I filing complaint to express concerns, due to previous discussion with  Navient Representative since 2013    regarding my Loan and  XXXX . In addition, I explained to Representative unexpected illness of my multiple medical condition that affect my health and safety. Problems with customer service, I did n't receive helpful information about loan options. The Representative provided unclear information and suggested that I continue to file a deferment application for my loan that continue to accrue interest

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX accounts were recently removed from my credit report in error and Experian refuses to correct this. XXXX of the disputed items were removed in error on THEIR end, as I disputed the payment status and comments ONLY and they removed the entire account. They sent a letter saying that they will not add information from a third party, consumer. This information had already been on my credit report! This is also my XXXX letter being sent to them. The XXXX item was disputed in error on my end and I asked for this to be re-inserted and that is when they sent the letter stating they will not re-insert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Billing disputes

Complaint: I have an American Express Blue Cash credit card. And this credit card has an introductory rate of 0.00 % for balance transfers, and a 13.49 % interest rate on purchases. The online portal for this credit card does n't tell me what my exact balance is for each category. And the problem is that the card agreement makes it seem really convoluted how your monthly payment is distributed between the different categories. You might think your payment is paying off your highest interest category first, but it turns out it does n't pay it down all the way, and this gives American Express the ability to keep charging you interest on purchases. 

Last month ( XX/XX/2016 ), I got sick of this shell game. It had been going on for something like 2 months by that point : I thought I 'd be paying down my higher-interest purchase balance, but my payments were n't being applied to where they should have been, so I kept getting charged interest. So XX/XX/XXXX, after consulting with a help agent on Amex 's live chat ( which itself took a lot of work for them to just tell me what my purchase and balance transfer balances were ), I paid off ALL my purchase balance, paid off an additional {$500.00} extra just in case, and did n't make any new purchases. This, the customer service reassured me, should have paid down my purchase balance completely to {$0.00}, leaving only the balance transfer which is n't accruing interest at this time. 

Yet today, when I checked my Amex statement, I STILL am being charged interest for a purchase balance of something like {$27.00} in spite of the fact that I HAVE N'T USED THE CARD TO BUY ANYTHING FOR SIX WEEKS!! 

So basically, Amex is violating its own cardmember agreement, by illegally shunting my credit card payments into lower-interest balances, thus not paying down the higher interest balances, and thus allowing them to continue to charge me interest on when they should n't be. They might also be charging me interest on purchases I 've never made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 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: Old information reappears or never goes away

Complaint: Erroneous Information and Statue of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with Asset Recovery Solutions, LLC (IN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time XXXX XXXX XXXX and I have been unable to come up with an agreement on the account. 

Respectfully, XXXX XXXX XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX- Asset Recover Solutions declined to accept my offer 2- XX/XX/XXXX, I  spoke with Asset Recovery Solutions and XXXX XXXX @ ext XXXX XXXX Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}.
I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I took advantage of a no fee / no interest balance transfer promotion offered by USAA in XXXX XXXX. I have subsequently made the minimum monthly payments in order to maintain the interest free status of this transfer. On XXXX/XXXX/XXXX, I made an additional {$17.00} purchase on this card. Since that time, I 'm being charged interest on this purchase, despite the fact that I continue to make the minimum payments. I called USAA to inquire if I needed to pay an additional {$17.00} on top of the minimum payment to avoid future interest charges and was told that the minimum payment would avoid future interest charges. I was charged interest again on the subsequent statement and am now being told by USAA that I will continue to incur interest on this charge until the entire balance ( including the interest free balance transfer ) is repaid. I contacted USAA and requested that they either waive the interest going forward or provide a credit to my account in respect of the interest being charged. Despite a 27 year relationship with USAA, they have told me they do not have the authority to make this change and I will continue to incur interest on the purchase until the interest free balance is first paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice fro m Hunter-Warfield claiming  that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the property  manager  told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act (  15USC1692  ).   On  XXXX / XXXX /   XXXX     Hunter-Warfield  admitted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 XXXX ( PayPal Credit ) made an unauthorized credit history inquiry to EquiFax which negatively impacted my XXXX credit score. I had an established credit line with PayPal credit of over {$5000.00} and and at no time did I use anywhere near that amount. There was no reason for the credit history request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I do n't know if my case is not that unusual. But I would like to be clarified with this please.   I have defaulted mortgage payments for family reasons. The bank of America foreclosed my property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX    XXXX   XXXX   XXXX   XXXX  . I sent a cheque ( number #  XXXX   ) to  pay for the arrears but they returned the check because they want me to do the reinstatement process instead. They sent me reinstatement calculation dated  XX/XX/2017    at  XXXX  an amount of {$12000.00} which I though was very large amount so I borrowed money from my wife and relatives to pay. On  XX/XX/2017    at  XXXX , the bank o f America s ent me again a reinstatement calculation which I believe is the correct one with the amount of {$9300.00}. I called the bank  of America and spent 4 hours being transferred to 4 departments. One su pervisor told me that they will reimburse or send me the difference of the  XXXX  reinstatement amount which is $ {$3300.00} in  7 b usiness days. After 12 days, I called again because I did not receive a check. This time I spent  5 hour s on the phone transferred to every department in the ban k of America. One supervisor l ady told me that there is no such thing as reimbursement. I want to get back the overpayment that I have made. Kindly educate me please.    XXXX , bank  of America mortgage costumer Loan Number  :  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. 
I 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). 
The form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. 
Well, it came back with a 8.990 % loan figure which is ridiculous. 
I proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. 
At that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I mailed a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX   XXXX, XXXX. requesting debt validation. I received correspondence from Resurgent Capital Services dated XX/XX/XXXX stating that XXXX XXXX, XXXX, has initiated a review of the inquiry recently received. On XX/XX/XXXX, I contacted Resurgent Capital Services regarding the alleged debt and was informed that a cease and desist was placed on the account. Since XXXX, I have communicated with XXXX XXXX XXXX, XXXX. and at no time did I request cease and desist. On the contrary, my correspondence has specifically demanded debt validation. On XX/XX/XXXX, I again demanded debt validation from Resurgent Capital Services. On XX/XX/XXXX, I contacted Resurgent Capital Services again and informed them that I have not received the validation letter. The representative reported at that time, that while my account had been flagged, there was no record that a validation letter was sent. 
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been almost two years, and I have yet to receive debt validation. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated to respond within the statutory time limit. Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. I consider your agency to be intentionally ignoring my requests, therefore I am submitting this letter to the Consumer Financial Protection Bureau. 
In addition, I would like to remind you that collection agencies are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. Despite this, XXXX XXXX, XXXX. has continued to update the alleged debt to all three credit bureaus ; on XX/XX/XXXX, it was updated with XXXX and XXXX. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a loan modification from JP Morgan Chase XX/XX/2010 after I had been in a forebearance for 8 months and moved into a trial loan mod where I made all trial payments and was given a permanent loan mod XX/XX/2010. I continued to pay my loan mod after I had fully executed and sent back to Chase within their time period requested. However, 5 months later ( after I continued to pay Chase ) they claimed they did not receive in the time and reneged on the loan mod. However, I recently requested and finally received a copy of the loan mod ( I have been asking them for over 2 years ) that clearly shows that they did receive the mod in time. Chase got final judgement on my house on XX/XX/XXXX and now they send me a copy of the modification they reneged on. This clearly shows bad faith on their part. All I want to do is pay the agreed upon payment and stay in my home. Also it is ironic that I would FINALLY receive a copy of the loan mod 2 days later after the bank got final judgement on my house. I diligently did everything Chase requested me to do ( over and over again ) to obtain my modification only to have Chase reneg on it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received correspondence by a debt collector to collect a debt that is not mine.

Company response to consumer: Closed
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried talking to the credit bureaus in regards to identity theft and they just ignored me I sent in a identity theft affidavit notarized and sent certified and was still ignored

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 04-06-2017 about Bank account or service (Other bank product/service) with KEYCORP (UT).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Key Bank with over draft protection. The XXXX said my balance went below the balance and they put roughly {$1000.00} in my account. I am claiming the account never went negative and asked the bank to prove where and when that happened. The Bank has n never sent me any statements and it was n't until I went to on line banking that I found this out. The Bank has been deducting min payments out of my ch checking account and interest and annual fees. I have been trying to get the bank to responed since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.

Company response to consumer: Closed with explanation