milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I was a patient at XXXX XXXX XXXX XXXX to receive XXXX in my XXXX. I paid the amount due at the time of the visit, which was something like {$100.00} - {$150.00}. The remainder of the bill was sent to my insurance company. Unbeknownst to me at the time of needing XXXX in my XXXX, XXXX XXXX XXXX XXXX was not in network for my insurance company, and as a result I ended up owing additional funds to the service provider. They sent me a bill, which -- as happens from time-to-time -- fell through the cracks as I was traveling a lot for my job during that period. A few months later, the bill was sent to AMCOL Systems for collection. This is very atypical for me ; I have worked very hard for the better part of my adult life to establish good credit. I am very protective of my credit score, and it was never my intention to willfuly ignore the debt. However, my job continued to be extremely demanding at that time and required that I move my family to a new city. On XX/XX/XXXX I contacted AMCOL to pay the debt. Rather than negotiating a discounted payoff, I asked them if they would remove the collection from my credit report if I paid the debt in full. They did tell me that it was unlikely they would have the debt removed from my credit, but that a " paid in full '' status would be significantly better for my credit than " paid as agreed. '' I did pay them in full, but my credit has not improved as they said it would. I 've since called them multiple times and talked with multiple people asking them to please stop reporting my paid in full debt to the bureaus, but they simply will not do it. I know they absolutely have the ability to have the bureaus remove the collection from my report, but they simply choose not to because of their company policy - a policy that clearly is not in the best interest of American consumers. Not only is their policy unfair and unjust, but they continue to report to the bureaus every 2 weeks that my debt was paid in full, which keeps it at the top of my credit report and will continue to make it appear as a young debt. At this point it just feels spiteful.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The monthly and annual membership fees on my Capital One credit cards are ridiculously high and I am aware that Capital One agrees with me, because in nearly all cases they will remove the monthly and annual memberships just when a customer points out the excessive amounts of these fees. I pay a high rate of interest for my cards and that should be enough. I want Capital One to stop charging these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Around XXXX I made a dispute through equifax on their website. I have been waiting over a month for my results to come in. So one day I check online to see my status again and it still states that is was n't completed so I call their customer service to see what 's going on. I call customer service and they lady ask my dispute number and I tell her it then she states that ALL my disputes came back verified when several came off of my XXXX and XXXX. Then I ask her why was n't I notified about my completion and she did n't have and answer. I feel as if either I was lied to or they do n't have their business organized.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with Affiliated Acceptance Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not have a signed contract with Affiliated Acceptance Corporation and I do not owe them any money. I already contacted this company in writing twice in the last two years. I keep receiving harassing collection notices and phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Consumer Loan (Title loan) with TD BANK US HOLDING COMPANY (MA).
Issue: Payment to acct not credited

Complaint: equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: WOW ... still no official response from BBVA. Tried contacting them today and was placed on hold for more than 4 hours total. Was told that accounts were closed and money was on way. When I questioned it with later rep was told that was not the case. 

Was told my only options were to call earlier or visit a branch. Requested a supervisor and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled XXXX and paid the final bill on time there was a cancellation fee of {$690.00}. There was no timeframe to pay this fee so it was paid in installments for XXXX months. XXXX gave no notification this was an issue. Not sure who this third party is as all payments were made directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information? According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 02/27/2018 about Debt collection (Other debt) with The AAA Company (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I blew the engine on my 2017 XXXX back in XX/XX/XXXXof this year. When I called AAA for tow I was told my card on file did not allow them to auto-renew membership - debit card was replaced so they only had the old card on file. Rep I spoke with said best he could do given the fact that it was after hours was to sign me up for basic membership which allowed 7 mike tow. I had the car towed from XXXX to my office in XXXX and called the next morning to speak with a supervisor. I was told by the supervisor that seasoning period is 3 months on account until account can be upgraded to the 100 mile tow but that given the circumstances, she would only require one week seasoning period. 

Car sat parked at my office for a full week and was towed immediately after 55 miles to XXXX XXXX. Two weeks later I receive a bill for {$250.00} from AAA for the tow. Called and spoke with a supervisor and they admitted the error and said it would be rectified. 3 months later I get a letter from a collection company stating I had been now sent to collections. I called the collection company and let them know it was in dispute then called and spoke with AAA supervisor again. I was told by supervisor that they would look into this and give me a call back. 

Never heard back from anyone and today the collections account hit my credit. I keep getting the run around from AAA and am now being forced to pay heavily for their errors.

Company response to consumer: Untimely response
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was not made aware that XXXX changed their name. They stop payments on my account and then out of no where after 1-2 years began with drawing unauthorized amount from my account. They do not allow me to log into my account online or send me statements. Raised my interest. Charged me for unnecessary late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (ME).
Issue: Account opening, closing, or management

Complaint: About a month back, I called customer service at Citizens Bank and asked for help with getting into my credit card account. It turned out that they would need to send me a replacement PIN for the account. I was told 7 to 10 bussiness days. That date has come and gone twice over. 
I have gone to the BBB and received little from customer service, in the direction of conflict resolution/customer service. 
My suggestion was : A rep from customer ser. of XXXX. Bank can send me a personal email and ask me what is needed. Soon after all would likely be on the up and up ... 
Yet they decided to respond by saying that they would send something to me " snail-mail '', which could very well be ~ & gt ; the " issue ''. 
At present, as of today, as far as the BBB is concerned - & gt ; XXXX. Bank has " addressed-the-issue '' ... Weak ... And that describes " customer-service '' at Citizens Bank ... 
Will you help le get this PIN? Once I do, I will be able to use this credit card, if needed ... 
Professionally, XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have filed a previous claim against Amazon/Chase Bank. It was XXXX. It was for XXXX credit card applications in my name that showed as credit inquiries on my credit report. I did not submit any of these applications. I have since submitted a police report and placed 7 year freezes on my credit with all agencies. There were 11th and 12th applications that sneaked in before the freeze took hold. All XXXX inquiries have been removed from credit reports. However, I continue to receive credit application letters from Amazon/Chase. I have now received XXXX applications. The last 7 letters all state they can not process the application due to the credit freeze. Although I no longer have to worry about my credit, this is still a form of harassment. Amazon/Chase refuse to do anything to create an opt out list to prevent further applications. There is a very long blog on Amazon 's website complaining about this exact same problem. I think it is past time for the government to step in. I 'm uploading one of the letters. They are all the same or very similar. The reference numbers of the letters since the last complaint are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
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: On XXXX-XXXX-16 I did a search and subsequent purchase from an Amazon.com Market Place Vendor found on Amazon.com, following the posted procedure of the listing. The posting required clicking on a posted email address to contact the vendor before placing the order & payment to be done by Amazon gift cards. The machine was to be used in my XXXX XXXX. When the product was not received I immediately notified Amazon through their posted procedure via email complaint using their website and form, giving all details. For at least 2 days after filing the complaint, the vendor 's posting was still on Amazon.com so they did nothing about the situation. Upon calling Amazon for a status on my complaint, I was told they knew nothing about it, took the information and complaint again verbally and advised me to do a police report and an on line FBI report - which I did. After researching, Amazon told me that since I used Amazon gift cards, and contacted the vendor outside of Amazon ( I simply followed the posted procedures found on their website posting ), - and they could n't find the transaction ... They could n't do anything about this. I have screen prints of the posting on Amazon 's website, email communication with the vendor and with Amazon and gave them all of this. I 've also contacted XXXX, Call XXXX and provided them with all of the above. They have contacted Amazon and Amazon has repeatedly told them they will contact me directly to resolve and has done nothing but continue to bill me for the {$500.00} cost of the undelivered machine. I have paid to protect my credit and at this time still owe them {$320.00}. I mailed certified letters to both Amazon and Synchrony Bank ( who administers the VISA Amazon Prime Store Card that I charged the gift certificates for the purchase on ) demanding dismissal of the debt and neither answered. I 've also put a complaint in with the State of California Office of the Attorney General who suggested I lodge this complaint with your agency. Bottom line is that I was scammed on Amazon 's website by a vendor they allowed to be there - and did not remove ... and they are not willing to take any responsibility for it. At XXXX years of age, I can not afford to have companies take advantage of me and I 've always trusted Amazon. I 'd appreciate any help you can give on this situation.

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 09/27/2017 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX Account Control Technology Inc. responded to the complaint I filed on XX/XX/XXXX. In the original complaint I had 2 issues I asked the CFPB to oversee. 

Failure to contact BEFORE Wage garnishment. 
Failure to Validate debt. 

In the response to this complaint through the CFPB, Account Control Technology has admitted that they never any provided ANY written notification to collect a debt for the U.S. Department of Education to the debtor before administering a Wage Garnishment. 

Additionally in the same response Account Control Technology INC provided promissory note applications with loan amounts of {$0.00} for ALL XXXX loan applications through XXXX XXXX. Therefore they have agreed that they are falsely claiming a debt is owed and collecting through an illegal means. 

Again, as I have stated before all Direct Loans are NOT DISPUTED and have been paid in full through an Administrative Wage Garnishment in XX/XX/XXXX-XX/XX/XXXX.  I am attaching to this document " End of Year '' payroll statements that prove ALL Direct Loans have been paid. 

Account Control Technology MUST return this account to the U.S. Department of Education as " uncollectible ''. 

For my own protection please note that : 1. This is a disputed debt. 
2. The debt has not been validated. 
3. Account Control Technology is levying an Administrative Wage Garnishment without validation. 
4. I will be contacting my employer immediately to find out if the Administrative Wage Garnishment was ever suspended. 
5. The Department of Education ; XXXX, XXXX, have been notified and HAVE ALSO failed to respond. 

Sincerely, XXXX XXXX

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 non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: In XXXX of 2017, I mailed a certified letter to TransUnion asking them to inform me of how my public record was reported to them. The letter asked for a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used  to verify the dispute. When Transunion responded they indicated that the information reported was accurately verified by the courts. XXXX XXXXof 2017, I reached out to the courts asking them if they could remove my bankruptcy from my credit bureaus because this is the 7th year it has been reported. Recently, I received a letter from the United States Bankruptcy Court at XXXX XXXX XXXX, XXXX, IL XXXX indicating that the bankruptcy court does not perform any activities with the credit bureaus. I disputed my public record and faxed the letter I received from the courts to Transunion. Recently, Transunion has sent a letter out dated XXXX XXXX, 2017 stated that the item was deleted and reinserted because it was verified as accurate. Transunion has not informed me of how they verified this information and refuses to provide the requested information mention above. Please assist me in 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 03-01-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called XXXX and they said I didnt have an account with them I called XXXX and they transferred me to another company. I didnt have a XXXX account to start with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I purchased a home in XX/XX/XXXX with my then husband. We separated and divorced in XX/XX/XXXX. Our divorce was finalized and ex-husband remained in marital home. He was to refinance taking my name off mortgage, He did not do so. He subsequently remarried and has since completed XXXX remodifications with his now wife. They continue to remain in the house nd are currently in their XXXX round of foreclosure notices. I was served a foreclosure notice ... ..he is now letting the home go and has no intention of making any payments. I have never signed a remodification agreement and papers indicate I " inadvertently '' did n't sign. There is an amount of approx {$490000.00} showing on my credit report preventing me from ever moving forward at XXXX yrs old. How and what can I do to resolve this situation. Any assistance will be appreciated. Thank you for any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Complaint number XXXX. Federal Law states that the complaint be resolved in 30-days and/or extended only 15 days. 60-days is ILLEGAL. The investigation is being extended another 60-days which is illegal in violation of federal law, Tile 15 USC 1681i ( a ) ( B ) provides in relevant part : Extension of period to reinvestigate : Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation