milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Debt collection (Medical) with Collection Associates, Ltd. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection Associates has XXXX accounts open in my name. The most recent XXXX XXXX XXXX XXXX, I do owe. The prior XXXX accounts date around XXXX. They are from xrays and labs performed within my providers building. It is standard practice that you provide your insurance at the counter when you check in. Even according to the website of these services, they state they obtain the information from the hospital or doctor. The collection company will verify that I stated in every phone call that the company needed to properly submit the insurance. I had verified insurance, my other doctors from the same dates of service had done this just fine. By the time this was brought to my attention by the collection company, even if I had submit the insurance myself it would have been denied due to timely filing. The collection company has known I dispute this amount since everytime I have spoke with them, I explain the responsibility of the office and the issue. They have directed me to the providers, or even said " there is nothing we can do because that company is n't our client anymore ''. The providers say the account is in collections and there is nothing they can do. As a manager of a providers office, I know that you have a responsibility when you work with insurance or are in network with them. You also have these situations in your payment agreement. I have requested the collection company verify that the debt they are trying to collect on is collectable based on the agreement with the providers and myself. I also asked that they provide proof that they had actually obtained my insurance information as they state they do, since other providers submit these claims successfully. This has not been done. The collection company asked me to provide proof the claim was submit to my insurance or denied timely. I asked what that would show, and I was told it would show " I actually gave my information ''. I asked what proof they have when they go to the doctor that they gave them a copy of their card. The response was " well I actually do it. '' I am shocked at the level of irresponsibility and unprofessionalism. I was told initially there was nothing I could do but in my professional roles over the last few years I learned how wrong these practices are. Here is the link to the web site of XXXX of the providers I am referencing with their practices, where they even state they may have a delay and rely on the information of others, or they will contact you. By the time it was brought to my attention it was too late. I had previously thought it was processed, or being resubmit, since my other providers they get information from had no problem. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Consumer Loan (Installment loan) with NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NJ).
Issue: Problems when you are unable to pay

Complaint: I XXXX XXXX XXXX filing a complaint with the Consumer Financial Protection Bureau against a state agency that is operation outside the legal requirements of the Fair Debt Collection Practices Act. The debt in question was originally procured with XXXX Student Loans. Now there is no knowledge of what entity owns the debt because the debt was private and sold off into a securitized trust. The New York State Higher Education Services Corporation claim that they purchased a privatized debt. They have shown no proof of ownership, nor can they show ownership. They are essentially operating as a debt collection agency, fully outside the constitutional limits of a state to maintain a separate collection service for private debt they have XXXX collateral interest in. Accordingly, I demand an immediate cease and desist on all calls to my home or work, and the only correspondence I will accept is proof of ownership of a debt is impossible to own. The NYSHESC state on the attached letter that they purchased the debt from XXXX Student Loans. This is a complete falsehood that can not be proved. I demand an immediate cease and desist from this state agency immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Innovis (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2016 about Prepaid card (General purpose card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Fraud or scam

Complaint: I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NH).
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, 2017, an unauthorized 3rd party support company ( XXXX  ) displayed a popup window on XXXX website, as I tried to activate a new XXXX device. It said " error- call support at ( XXXX XXXX  number ) ''. A XXXX rep with a strong XXXX accent told me ( fraudulently ) that XXXX is authorized by XXXX to activate my XXXX device. She said I 'd have to e-sign a contract before they could activate it, and it would cost {$99.00}. I protested, but wanted the device functional, so esigned. On XXXX XXXX I called XXXX support. They told me XXXX is a scammer, that no activation fee should be charged, and XXXX has no affiliation with XXXX. On XXXX XXXX to XXXX XXXX, I opened a billing dispute with citi cards, my credit card company, to dispute the charge. I reported the above incident to citi dispute center. After several weeks, citi decided to pay XXXX the {$99.00} fee. I am still arguing with citi dispute center that it was adequately proven to be a 3rd party unauthorized support scam, and they should not have decided to pay the {$99.00} charge to XXXX. Citi dispute center, 4 weeks after XXXX XXXX, asked me to obtain a cancellation of the contract with XXXX. I requested that from XXXX, but they refused to cancel the contract.

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 monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because  XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 06-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have a collection agency ding for something on equifax and their online dispute says my information does not match theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: On  XXXX   XXXX ,  2017  - I tried to open the  Citi ch ecking account with a promotion offer. Completed everything and account was opened. I provided my  XXXX  bank credentials also to deposit $  XXXX  but it did n't worked. Then i provided  XXXX  routing # and account # of my   XXXX   bank account. I was told that w ithin 2-3  business days trial debit/credit will happen. It never happened. Later I go t one e mail to send the signature card. I tried sending it by fax - fax failed on both the fax numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Again I just received today XXXX XXXX. XXXX a letter from Nationstar asking me to fill out an application for Making Home Affordable Modification Program. 
I can not remember making any inquiry about Making Home Affordable Modification Program. The only Making Home Affordable Modification Program I ever asked for was in XXXX which is HAMP Loan Modification Program and is yet to be resolved. Again, Nationstar is trying very hard to steer me away from the HAMP Loan Modification Program to entirely different program I did not ask for. This has been their scheme since XXXX. See attached the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Fraud or scam

Complaint: I applied for a pay day personsal loan XXXX REP XXXX XXXX. ( XXXX ) XXXX I was advised {$230.00} would need to be transferred XXXX I sent the {$230.00} From CVS XXXX. the loan people contacted me and telling me I was all set and funds would be transferred for {$2200.00}. {$2000.00} loan and my intial {$230.00}. XXXX XXXX advised to contact XXXX XXXX bank XXXX to completer the transfer. I called and was advised to send an additonal {$290.00} which was not advised under the terms and conditions with the first rep. So I asked for my refunded amount of {$230.00} and they are not willing to do so as I was advised it was refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: This is from XXXX XXXX in regards to CapitalOne Auto Finance Loan Account # XXXX : 1 ) CapitalOne has been Billing the loyal paying consumer 16.55 % APR since XXXX with out any loan readjustments and this account is not in adherence to XXXX XXXX industry standards, interest rates, trends and paradigm shifts such as Block Chain Technologies 2 ) Although  the initial sales order shows 72 payments. But, Capital One online statements show and insist on 75 payments of {$500.00} misleading the consumer 3 ) The vehicle should have never been sold to the consumer because it does not complete the definition of a business transaction because it has lacked quality in manufacturing 4 ) The vehicle should have been tested by the financier for quality standards. because, The vehicle has had various recalls. specifically with the Engine of this XXXX XXXX XXXX model leading to quality problems and risk of engine failure, risk of accidents and major risk of loss to the consumer 5 ) CapitalOne tends to show all Predatory Lending Practices in this account scenario 6 ) The vehicle vehicle amount financed was XXXX and total amount paid to financier is XXXX. But, has lost significant value due to continued Manufacturing Defects and Lack of Field Failure rate and Quality Metrics from the manufacturer. 
7 ) This matter was notified to Capital One. But, had no outcomes and the consumer is being robbed again and again and again

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.

Company response to consumer: Closed
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Yet once more CHASE BANK is XXXX me after I have done what they asked of me and that is sending in over {$1300.00} month for three months on another trial modification they told me I qualified for. NO I could never qualify for a mod under the " Making Home Affordable Plan ''. They knew I could n't qualify and expected me to commit perjury by signing a document that states I own not more than XXXX properties. Now they say I do not qualify after they have been given all of my documents. They are nothing but crooks. Please help me. Now they say I have to yet again apply for another modification, an in house CHASE modification. It has been 7 1/2 years of pure XXXX. PLEASE wo n't you help me? They do not abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a discovery card account that was fraud. I have filled out a FTC form to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Back in XXXX XXXX failed to properly advise me and my co signer of late payment and non issued payments and reported to the credit beaure. I was unemployed and while my co signer called, mailed and notified XXXX of his in awareness of correspondence they failed to remove the credit ding. 

My co signer was my brother with a similar name as my father, they had my father and brother mixed. It was a mess. 

Some of my private loans I have asked for proof of my signature documentation and verification because I was unaware of half of my private and Federal loans that supposedly my private college took out in my name since XX/XX/XXXX. 

There was no assistance from them after repeated calls and attempts to provide me with proof. I 've been paying since then and drowning in student loan debt without a degree to pay off over {$100000.00} in SLD {$80000.00} is privatefrom Navient,

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Credit line increase/decrease

Complaint: I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full. 
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.

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 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 06-09-2017 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: Account status incorrect

Complaint: Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with JDJ Investments, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.

Company response to consumer: Closed with explanation