milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with CL HOLDINGS LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I called Chase on XXXX/XXXX/XXXX at XXXX XXXX time to close my credit card account. After a 45 minute phone call, talking to numerous departments and supervisor, they refuse to close the account. Even though they say the account is closed, they will continue to accept charges on the account that I am liable for. The account is not closed if they continue to allow activity on the account. 

They say that this is for recurring charges, with a prior authorization. They say that a contract is in place with the vendor they must honor. However, I never signed a contract with any vendors authorizing them to charge my credit card indefinitely. Chase refuses to honor the contract I have with them as their customer to permanently close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Advertising and marketing

Complaint: I have received " targeted offers '' from Chase for the " XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned " annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my " targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their " card benefit '' of " first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  and Equifax or falsely reporting the wrong information on my reports.   i have not applied nor do i fill out any applications for the cards listed here,   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   These are not my applications and these were not made by me. I have asked several times for them to remove these inquiry 's and they have refused. i have sent proof that these are not my applications.   The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of cred it b ) insurance c ) employmen t or d ) a court order.   The following credit inquiries are related to none of the aforementioned permissible purposes :

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit File : XX/XX/XXXX Confirmation Number # XXXX CFPB Complaint # XXXX XXXX XXXX XXXX XXXX is not showing on my credit report as stated by Equifax there was no reply back from Equifax since XX/XX/XXXX needing more time So what is XXXX XXXX XXXX XXXX saying on something not on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Original loan through XXXX. In XX/XX/XXXX I called them to get payoff amount. On XX/XX/XXXX I called back to confirm payment and that my loan was paid in full. The confirmed that it was. On XX/XX/XXXX, they reversed a XXXX dollar payment to my account. This XXXX dollars was for a different student and they had applied it erroneously to my account. They confirm that they never called me, and it was n't until XX/XX/XXXX when I started getting email from Navient ( which I did not recognize as I never had a loan through them ), saying that I had payments on a student loan due. I have tried for a year, personally and through attorneys, to get in touch with someone who can help in Navient and have not been able to do so. They keep calling as debt collectors, refuse to let me speak with anyone who can help, and tell me that Navient is correct, and I owe money ( which I believe was their error and I do n't ). They are currently charging me the XXXX plus the interest for 10 years, which is inconsistent and unfair since the reason I paid off my loans years ago was to avoid interest. I am told no one can help me, there is no resolution center. They continue to harass me every day, including nights and weekends, and I have no ability to speak with anyone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX/XXXX/XXXX, I attempted to use XXXX to track my spending/purchases through their monitoring service. BarclayCardUS blocked access ( even though I provided all the required log-in info ). XXXX indicated BarclayCard blocks third party access for all users. This is unreasonable. I value security, but I should be allowed to share my info with anyone of my choosing, and this policy forbids that.

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 06/21/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with Alliance Data Card Services (KS).
Issue: Other

Complaint: I have been attempting to use the hardship program with community bankXXXX credit card, since XX/XX/2016. I keep getting the run around and feel taken advantage of and disrespected. The company continually gives me false information or lies to me. I have called time and time again and they are not doing anything to assist me in resolving my problem. They just keep trying to get me off the phone and to wait longer. What is the problem? There needs to be regulation. My request is that I was told that I was supposed to have a hardship back date to XX/XX/XXXX, XXXX/XXXX/XXXX/XXXX/XXXX Late Fees need to be removed after 3 on time payments. I have been making on time payments every month since the auto payments were set up by the representative in XX/XX/2016. I was told that was the only way to be in hardship. I keep seeing that my credit report was showing late it said XXXX 30 days, XXXX 60 days, XXXX 60 days, XXXX 60 days. Finally in XXXX on the XXXX I spoke to XXXX ID XXXX she said XXXX was personally working on my account and would call me back ... She never did.. XXXX ID XXXX same day said the history needs to be back dated to XX/XX/XXXX. She said XXXX already was removed and {$130.00} will be removed in XXXX and {$20.00} more in charges and {$8.00} more in finance fees. She said the XX/XX/XXXX statement would show {$45.00} in late fees removed and {$21.00} in interest removed. They said I had to make 3 on time payments to have the rest removed ... this is their error I have made all on time payments since my account is on auto draft, I do n't know what part of that is hard to understand. XX/XX/XXXX spoke to Aeramis XXXX @ credit report needing corrected, she said she is escalating the issue and may reflect in XXXX or send a letter, Neither of these has happened. XX/XX/XXXX Spoke to XXXX XXXX he said the new statement on XX/XX/XXXX or XXXX will reflect a refund of fees {$130.00} and the other money was from another department so he ca n't see about it, he said the is doing an escalation about my credit report. XX/XX/XXXX called again because new statement does n't reflect any refunds either. XXXX XXXX had a very rude tone on the phone said it wo n't reflect until XXXX. Transferred to XXXX who again said XXXX her number is XXXX. I asked her about the escalation that XXXX said he was doing on XX/XX/XXXX she said did he transfer you to a supervisor? I said no she said then no escalation was done. She said she does n't see any records of any escalations. I asked her why people there keep lying to me? Why does n't anyone care? I do n't understand how this company is being allowed to do this or scam people. I should n't be treated like this as a consumer. What can be done to stop this??????

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Ad Astra Recovery Services Inc (TX).
Issue: Fraud or scam

Complaint: This company AD Astra Recovery .The amount should be zero.It was paid off .But they did not take off my credit. And stay they sold to there company And other is a fault. I never use the company and do n't on came on my credit score. An d you see that they has same number  XXXX   XXXX   XXXX   XXXX   XXXX  account number  XXXX  and  other a ccount number is  XXXX  .And they have been try to same account number but change the number.This have been going on for over ten years or more

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, Equifax was breached and about 143 million SSNs were stolen. I believe I am one of them.
I am filing this complaint in the hopes that they will be punished for their extreme lack of security awareness and sheer slothfulness is regards to this situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX denied my application for their store card and gave reason asEXCESSIVE AMOUNT OWED ON ACCOUNTS. 
This is untrue, as shown in Experian 's report, as all my accounts are in good standing. 
As for My Personal Statement, the options to pick related reasons had no OTHER on them. I was forced to check a box that did not describe my dispute. To continue the dispute, I checked the DELINQUENT box. My reason for the dispute is stated above. My statement should be deleted from the report as I checked the box incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank checking account promotion back in XX/XX/XXXX for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout. It has been more than 4 months since I deposited XXXX no payout was processed yet.I have been calling Citi bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I every time I was told that I have to wait 90 days to receive a bonus. Then I called on Saturday XX/XX/XXXX to the Citi Bank and I at that time customer service rep opened a dispute. Two days later I received a letter stating that I did n't meet bank 's requirements since I did n't deposit money in 30 days since I opened an account. Why no one told me that when I called on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If I knew that I do n't qualify for that bonus I would just move my money to another bank instead of keeping my XXXX for free in Citi bank. Moreover, now bank stated that i had to deposit money 30 days since I opened account - what 30 days regular or business days. And in that letter Citi Bank is stating that I had to keep my money for 30 days so why I was told so many times that I have to wait 90 days. This is ridiculous. Bank is using people 's money to its own benefits.

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 01-05-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had XXXX private student loans with Sallie Mae since XXXX. These loans were reportedly, by Sallie Mae, paid on time, until late XXXX. Payments of {$50.00} a week were sent, which more than covered the agreed amount due each month. 

For 6 years, Sallie Mae only applied the exact amount due each month to the loans, and placed the residual funds in some sort of overpayment account. The loans, for some reason, started to turn up past due, and I discovered that more than five thousand dollars were sitting with their company and not applied to my loans. I was charged interest on a higher principal amount than I should have had. Their company promised that the payments would be corrected, but only after mailing a notorized letter to their company. The excess funds have been applied, after much time spent working with the company to fix the issue, but the problem still persists with my payments showing up as past due. 

I now would like to pay these loans in full, which Sallie Mae requires contact by phone to receive a payoff quote. I have tried to call for 3 consecutive days, and have been on hold for over 4 hours, and I have still not been able to speak to anyone with their company so I may pay these loans off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: US COLLECTIONS WEST IN for XXXX XXXX XXXX account # XXXX. I disputed this account with us collections west I have called several time and spoken to XXXX regarding this account. When they sent me proof of the account they said I owed for a lease break with ( XXXX XXXX XXXX XXXX ) that XXXX XXXX XXXX took over at XXXX XXXX XXXX XXXX, XXXX AZ. I lived at that property for 2 years with a lease agreement of 1 year that I completed and emailed my 30 day notice to XXXX at XXXX XXXX XXXX and she is no longer at that company because it was sold. XXXX and her supervisor went of agreement and agreed that I completed my lease and XXXX XXXX XXXX sent me to collections for a lease agreement I completed with XXXX XXXX XXXX XXXX I never signed any agreement with XXXX XXXX XXXX and I completed my lease agreement with XXXX XXXX XXXX XXXX I have asked for this damaging collection to be removed from my credit report and they refuse and are still calling me to collect money when they already know its a wrongful collection and should have never been placed on my credit report. I have voicemails on my phone saved from XXXX and the agreement shows that dates that I completed with in the lease agreement and this collection is wrongful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax announced that they were the victim of a hack that occurred on or about XXXX 2017 that leaked my personal information according to their victim reporting tool at this address : https : //www.equifaxsecurity2017.comXXXX According to this site, and after I sent my identifying information for them to check says that my information has been leaked due to to this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. It is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My husband and I were victims of bank fraud last XXXX 2015. Our bank account was depleted and overdrawn. All bills bounced, including rent and utilites. The bank cleared the issue and gave us back our money. In the mean time they gave us a letter explaining the bank fraud that we could give creditors that bounced transactions. One of my creditors Sears/Citibank N.A. wold not accept the letter or let me make partial payments on my credit card to catch up. Then they sent me to collections. Even after having closed my account and sending me to collections they continue to send me bills which continue to rise. They wo n't accept partial payments and I have tried to dispute the charges but they will not cooperate.

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