milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with LENDING CLUB CORP (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From XXXX through XXXX of XXXX, an Equifax Inc. website vulnerability allowed criminals to gain access to my name, social security number, birth date, addresses, drivers license, and credit card numbers. My information has been compromised through ineffectual and irresponsible handling of critical data.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the XXXX credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the XXXX accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XXXX XXXX to XXXX XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A balance of {$150.00} from a old water bill. The balance was paid XXXX/XXXX/2012. Please see the attached letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX i was notified by a height finance a loan company out of XXXX mo. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XX/XX/XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it 's my debt. My accounts and checks where stolen from the bank of Missouri there was several with draws taken out and also drained our savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: on XX/XX/XXXX I returned all equipment to a in field XXXX Agent ( XXXX XXXX Rep # XXXX ) at my former residence in XXXX XXXX zip code XXXX. I closed the account prior to my move to XXXX. In my possession I have the receipt given to my husband on XX/XX/XXXX, on this receipt are listed the serial numbers for the very equipment we are being accused of not returning. we moved cross country after this return of equipment happened. We were not aware of this collections until we tried to purchase a home in XXXX in XX/XX/XXXX. Numbers and addresses were different so we never noticed. I have called over and over and have several ticket numbers to their investigations. which they have never followed up on. I 'm at my last straw. I just lost the home of our dreams because of this horrible incident. XXXX claims they have no record of missing equipment. yet they refuse to remove us from collections.. talked to them again today XX/XX/XXXX after waiting to hear back from them since XX/XX/XXXX still no answers! help! I just want to buy a house and not worry about this collection that is not even valid ruining every purchase!

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 09/24/2015 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Closing/Cancelling account

Complaint: I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. 
off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX of XXXX charged me for the service I do not need this XXXX XXXX, I fought it for 9 months, finally on Step 7, the XXXX wrote me a check of XXXX XXXX but actually by now citibank asked for more than XXXX XXXX this morning I called citibank, their dispuing department lady say I should pay the difference, which is very unfair. At the beginning of this dispute, I told Citibank already, the proof is in their computer records of my citicard history which showed I disputed 2 times already successfully in year XXXX and year XXXX, they did not show the proof of this to XXXX, which caused me 9 months fighting with XXXX, and got only {$120.00} reimbursement, which is not enough to pay Citibank.

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 09/27/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MI).
Issue: Shopping for a loan or lease

Complaint: Check out XXXXfor detailed descriptions on how GE Bank Capital loans is ripping of people with a loan scam. 
A " loan officer '' called me from an unknown line about every XXXX minutes throughout the day for XXXX days. when he realized I was not going to answer he called and left his name and phone number ( XXXX XXXX, XXXX XXXX So I called it. An Irritated person answered and he plainly said take out a XXXX loan for {$5000.00} and give us our money or I would regret it. I said that I do n't need a loan and hung up. He had a XXXX accent, and has not called since.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi there I 've tried to dispute some inquiry with transunion to no avail these inquiry should not be on there they just started showing up and they would no do anything about them there is about XXXX of them the dates are as followed XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX please have them take care of this please and 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
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Perfection Collection (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This was for XXXX security alarm company. The contract was over and it continued even after it was supposed to terminate. I called them and sent them written notification of cancellation. Yet, they continued to bill me. I paid them once again and advised them that my contract was over and I no longer wanted the service. They waited for almost 3 years after contract has been done and they have put my account in collections for XXXX dollars I have not had any service there in at least 3 years and moved away from there over a year ago. This is abusive it is fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Auto) with 3rd Generation, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with I.C. System, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was hospitalized at the XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX for approximately 12 days. At the time, I had no insurance coverage. As a XXXX XXXX veteran, medical bill assistance was available to me. Additionally, the hospital had a program that enabled the forgiveness of all related debt for the hospital stay and treatment for which I qualified. Immediately after my hospitalization ended, I applied and was accepted into their medical forgiveness program. Within 120 days of my hospital stay, I received a letter from the hospital notifying me that the entire hospital stay and all related treatment debt had been forgiven. 

Approximately 9 months after my discharge from the hospital, I received a letter from IC Systems notifying me that I owed approximately {$6500.00} for an unpaid medical bill from the XXXX XXXX XXXX XXXX  Hospital of XXXX XXXX, NJ. I immediately called the hospital. During the call, I was told that I had no outstanding or unpaid medical bills. Further, the hospital spokesperson stated that not only was the information about the bill incorrect, but that the hospital did not use IC Systems to collect their delinquent debt. 

After I completed my inquiry with the hospital, I called IC Systems. Their spokesperson stated that she would look into the validity of the bill, but it was solely my responsibility to satisfactorily resolve the matter. IC Systems never followed up or acknowledged this telephone conversation. 

On more than one occasion, I have attempted to have this debt removed from my credit report with XXXX   and XXXX. The reply from both credit reporting agencies has been that the debt appears to be valid. I noticed today that IC Systems has changed the classification of the debt on the XXXX report to show that they are the lender and I am the " borrower '', as of XX/XX/XXXX. Clearly, that is an incorrect statement. 

The alleged debt is not valid. I believe that IC System, XXXX XXXX XXXX XXXX XXXX XXXX, MN is committing a fraud with the goal of collecting a fictitious amount at my expense. In the meantime, my credit score and family are suffering because IC Systems regularly modifies their notes to give the appearance of fresh or renewed collection efforts. 

At this point, I have been held captive by IC Systems for nearly 4 and half years!!

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 01/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I just received a letter stating that my mortgage payment is past due. All my bills are paid automatically through my bank 's Online Bill Pay. There are a few payees who have an agreement with my bank to receive payment directly, electronically, including my mortgage company. I accessed my account online and show my payment was sent and processed on XXXX XXXX, 2016. So I accessed the mortgage company website and found the payment was, in fact received on XXXX XXXX, 2016. Because it was received before the beginning of the month, they applied the entire payment to the principal. Two days later, the day after the due date, they consider my payment past due. They 've done this in the past and so I had adjusted my payment submission date to the XXXX of the month. However, this time the XXXX of XXXX was a holiday since XXXX fell on a Sunday. Because of the holiday, my bank went to the last business day and sent the payment on XXXX XXXX. It does n't make sense for a mortgage company to have a due date of the first of the month and not accept a payment made before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX : Salesman XXXX XXXX advised me that I could pay half at start, half at completion of services. Never showed me any paperwork saying he was going to send my info in for a loan. I wanted to pay this was because I 'd had a bad experience with another company prior, and was just trying to be smart. Told him that I 'd pay the entire amount up front, that I was just trying to be smart about it. He assured me that I would never have any payments to make, and not to even pay him. Pay the technician in a week the first half, and the rest upon completion. The only thing I saw to sign was on an electronic tablet with only a space for my signature. He then, that very day, without my permission, submitted my info to their finance XXXX XXXX for a loan. This put a hard inquiry on my credit report which negatively affects it. I paid XXXX the full amount immediately, and never dealt with the loan company. What the salesman did was fraud. That was3 months ago, and as of this posting, they still wo n't contact Equifax to have the inquiry removed. Be very careful when dealing with this company. 
XXXX HAS REQUESTED THE HARD INQUIRY BE REMOVED FROM MY CREDIT REPORT, BUT EQUIFAX WO N'T DO IT. I ATTACHED THE REQUEST FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Credit card debt) with Colony Brands, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/2017 ; I obtained a copy of my personal credit report from the 3 major credit bureaus ( XXXX, XXXX and XXXX ). I noticed an entry from a company named XXXX XXXX that is incorrect. Research revelaed that the organization falls under the umbrella of Colony Brands , Inc ; a  conglomerate of mail order companies. Knowing that this account is not mine, on XX/XX/XXXX, I sent a letter certified mail requesting VALIDATION of this debt with any proof bearing my signature. This is the burden of proof set forth by the Fair Credit Reporting Act ( FCRA ). 

I have requested that this organization produce any documentation to include an application for credit or any type of contract that bears my signature to VALIDATE this debt. They continually refuse to provide this information, yet this organization has sent me a copy of a bill, that does not meet the burden of proof according to an opinion letter issued by FTC Commissioner XXXX that is attached to this complaint. 

On or about XX/XX/XXXX, I again sent correspondence via certified mail requesting VALIDATION of this debt ; requesting that the organization provide me with copies of ANY documentation that bears my signature. They have failed to provide any VALIDATION whatsoever that the account is my responsibility, yet they continue to incorrectly report this debt on my personal credit reports. 

Additionally, this organization is in violation of Section 392.101 of the Texas Finance Code ; which states that debt collectors engaging in debt collection in the State of  Texas must obtain a surety bond and have this information on file with the Texas Office of the Secretary of State. This requirement applies to third party debt collectors as well as companies attempting to collect thier own debts. I would say that reporting negative information to ones credit bureau file is an attempt to collect a debt. 

In conclusion, this organization has not met the burden of proof and VALIDATED that the account in question actually belongs to me and is my responsibility. They have provided no proof of account ownership that bears my signature. This is a direct violation of the FCRA that requires this VALIDATION for an organization to continue to report negative items on my credit bureau file.

Company response to consumer: Untimely response
Consumer complaint received 12/22/2017 about Mortgage (Conventional home mortgage) with Capital Markets Cooporative, LLC (TN).
Issue: Trouble during payment process

Complaint: I closed on my new property in XXXX of XXXX. Since that time, my loan has been transferred to a new servicer twice already. In a letter dated XXXX/XXXX/XXXX from XXXX, I was advised that my new servicer would be XXXX XXXX XXXX, effective XXXX/XXXX/XXXX. By the time I received this letter, I had already mailed my XXXX payment to XXXX. When it was time to mail my XXXX payment, I mailed it to the address that XXXX had provided me for XXXX XXXX Servicing since I still had not received any communication from this new servicer. 

My first communication from XXXX XXXX, c/o XXXX Loan Servicing was a mortgage statement dated XXXX/XXXX/XXXX, which also included a Notice of Servicing Transfer letter. This statement showed a total amount due of {$930.00} with a payment due date of XXXX/XXXX/XXXX. Two things : 1 ) My monthly mortgage payment is supposed to be {$460.00} and 2 ) I have not missed any payments, have not sent in less than owed, nor have I been even a day late. I then checked my bank account. My XXXX payment to XXXX XXXX cleared my account on XXXX/XXXX/XXXX, before they even mailed me the statement showing {$930.00}. 

On XXXX/XXXX/XXXX I mailed a Qualified Written Request to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CO XXXX ; which was the address they listed for a Qualified Written Request in the Notice of Servicing Transfer letter. I asked them to explain why my statement showed a past due amount of {$470.00}, what the additional {$18.00} charge ( {$470.00} - {$460.00} ) was for, and also requested an itemized statement with the correct outstanding principal, escrow balance, et cetera. 

To this date, I have not received a written acknowledgement of my inquiry. I have, of course, received a statement for my XXXX payment. The payment is now the correct amount, but my escrow balance is wrong. In addition, I am concerned that they tried to charge me some late fee in the middle of a transfer of service.

Company response to consumer: Closed with explanation