milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2017 about Debt collection (Other debt) with ERC (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The Company ARA Asset Recovery Associates keep calling my family members and threatening to take legal action if they did n't get the information they need. They call numerous times even after I have told them to stop calling my phone number and the phones of others. We have blocked the numbers they tell us to call but they call on " Blocked numbers '' so it 's difficult see the incoming ID number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called XXXX for a debt that is showing on my credit report for {$230.00}. I never received anything in reference to this. I called them and they stated that it was from 2015 from an emergency room for my daughter. I let the rep know that my daughter has Florida kidcare which covers all expenses and she said it was too late and that there was nothing that could be done and that I had to pay for this. 
I provided my daughters insurance to the hospital. If i would have received something or been notified somehow, I would have corrected this issue then

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (NJ).
Issue: Managing the loan or lease

Complaint: I have an auto loan through PNC Bank. I started this auto loan XX/XX/XXXX. I have always made my payments on time every month. XX/XX/XXXX, I had to file for Chapter XXXX bankruptcy. I signed a reaffirmation agreement with PNC Bank for my auto loan, which stated that the loan would continue to report to all three major credit bureaus. On XX/XX/XXXX, my bankruptcy was discharged. Throughout all of this, I have continued to make on-time payments to PNC Bank for my auto loan. Despite signing the reaffirmation agreement and always making on-time payments, PNC Bank refuses to report any of my payments to the XXXX credit bureaus. However, when I first tried to resolve this issue with them, I have letters from PNC Bank stating that they were reporting my payments to the XXXX credit bureaus. This was a lie, though. I have gone through all levels of customer service at PNC Bank for the past two years, and they refuse to report the on-time payments, even though they lied to me and said that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: We have a auto financed through XXXX XXXX. XXXX XXXX XXXX which was purchased for {$9900.00} but the loan was transferred to Santander Consumer USA, we have made monthly payments ( some late ) for the last 4 years, a total of {$20000.00}. According to Santander USA, we still have a balance of {$21000.00}. A car that was sold under $ 10K, which is now worth {$1200.00} according to XXXX XXXX XXXX. Unable to come out of this debt, the car was repossessed and we still  have a balance of over $ 21K. How can it be LEGAL for a loan company to charge over {$30000.00} of interest on a loan that was under $ 10K? we believe Santander Consumer USA is acting as loan sharks charging fees and increasing interest rates without notifying the client or adding it in areas that was not indicated by the sales person. We have seen a class action law suit against Santander Consumer USA for the exact same thing in which thousands have signed up. can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with ALCHRO INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX is calling all times and let it I know that if I do n't pay this account my credit is going to be damaged and I can do nothing with my credits. This account is 7 years old and is still appear on my credit with {$130.00} and {$2000.00}, Those accounts are from 2010 and are almost 8 years of this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: APR or interest rate

Complaint: I have had a credit card with Wells Fargo for several years. When I first got the card, I had a 9 % interest rate. The company raised my interest rate to 17.4 % currently, antold me that it was due to a late payment. I went back thru several years of payments and never found documentation of them receiving a payment late. I complained to the better business bureau, and all that occurred was that Wells Fargo sent a document stating that I was paying the higher rate with no proof of late payment. The balance of my credit card has been quite high over the past couple of years due to my involvement in a civil law suit that has cost more than {$20000.00} in attorney 's fees. Subsequently, I have been charged an inordinate amount of interest on this account and I did not agree to such a rate, nor did I pay Wells Fargo late, thus justifying their increased charges. I have documentation of my timely payments over the past couple of years as well as copies of my complaint to the XXXX. My credit rating is over XXXX and there is no record of my paying my credit card late on my credit report either. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Sometime during the week of XXXX XXXX, I contacted CapitalOne bank to close a savings account I had in XXXX. Because I had to have the balance mailed to a different address than the one on record, they told me the address change would take 10 days, after which the account would be closed and a check mailed to the new address in Florida. The account reflects that the account was closed on XXXX XXXX. A second check for a lesser amount was also issued for the interest earned but not recorded at the time of closure of the account. To date, I have not received the money. I called about it during the week of XXXX XXXX, and was told if the check had not arrived by XXXX XXXX, I should contact them. I contacted them on XXXX XXXX and was told that the check had been mailed but not cashed. They then told me an account advocate would contact me in one or two days and I could arrange to have the check overnighted. On XXXX XXXX, the account advocate contacted me and told me I would have to sign affidavits stating I had not received the checks. They could mail the affidavits to me ( which would again delay the release of the money ) - or fax it to me - and I do not have a fax. I then requested that they e-mail me the forms, which they have agreed to, but I have to take it to a notary. The amount of money is nearly {$330000.00} and not earning interest since XXXX XXXX. I now have to sign the affidavit in front of a notary and return it to them - which I can do and will do. But the entire process they have required seems a deliberate effort to release the money from CapitalOne to me. And, there is no provision for the interest to be paid during the time of the bank closing the account and me receiving it - which date is still up in the air.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a payment of {$6000.00} using my XXXX XXXX XXXX online bill pay to an American Express card number that does not exist ( my error ). Instead of returning the funds to my bank, the funds just disappeared - no notification was sent by AmEx. I called AmEx and was told they would " start an investigation '' - do n't know what there is to investigate - the investigation reference given to me is : XXXX. It 's now been 20 days since the event. My last conversation, three-way with AmEx, XXXX  XXXX XXXX, and me ended with " this is our process ''. On that call XXXX XXXX XXXX provided all proof of payment and all payee information to no avail. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been back and forth with this compan y Midland Funding for  an original amount of  XXXX  in which I was forced to make payment arrangements in fear of having a judgement against me. I have attempted to send a dispute letter in which i will attach and resend out to the company again. I have signed no such contract with this company over the alleged debt, nor do they possess anything with my signature. At this point I am asking to be sent a valid copy of any contract that bears my signature to confirm that I owe them anything because as i stated i have no knowledge of this company besides the summons that i received from them. The only contact that I did receive was from a summons that was sitting on my door in which my daughter had given to me.They never responded to my initial dispute letter that was sent out but this one will be sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid yet this company is still reporting this as late on my XXXX credit report

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 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX/XXXX/05 we took a Tuition Answer Private Student Loan thru XXXX XXXX which has since been sold / serviced by Navient. We have just discovered that my daughter, the STUDENT, is listed on this loan as a co-signer along with my wife. I have asked Navient to remove my daughter as she should have never been there in the first place because she was the student. My credit has had some damage in the last few years due to caring for ill, dying parents ( which I informed Navient with my release request ) and they have denied releasing her. I have asked for copies of the original paperwork showing my daughter, the student, put on this loan as a co-signer and I have had no response from Navient as of today. I think that a paperwork error was made at the onset. Only recently, when my daughter tried to refinance her own student loans did we discover this problem. The people at Navient do not know what they are doing, and not willing to help. they read from a script and are unwilling to take an extra step. I have been dealing with them for years on deferrments, forbearances, postponements, etc. and have had nothing but misery trying to deal with these people. I just want my daughter 's name removed as a co-signer. My wife will remain as a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Loan servicing, payments, escrow account

Complaint: For the countless number of years Bank of America places forced hazard insurance at the expense of the consumer, regardless if you have sent them a new binder and paid in full from the insurance holder. This is an annual event that I have wasted far too many hours on the phone, in which I do not get paid for and I am sure somehow BOA is making money off of this scam.

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 02/22/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Trouble during payment process

Complaint: I came out of chapter XXXX XX/XX/XXXX. I received a statement from my mortgage company for a delinquent amount. I called the mortgage company and asked how. I did not receive an answer to this question to about the 10th call. When a rep told me that my mortgage was adjusted XX/XX/XXXX. I stated to the rep that I did not receive anything stating that. I was told that they could not send me anything because I was in a bankruptcy. I called the attorney from the BK and he stated they did not receive anything from the mortgage company. I made several calls to this company and the only thing I would get from them was are keeping the property. They would not address the problem of how could I know about the increase if I was not notified. XXXX of this year I called back to customer service and spoke to XXXX ( XXXX ), who took the time to check the records. She searched back to 3 months before the adjustment and notices that no notification was sent out. She transferred me to the dispute dept and I spoke to XXXX ( XXXX ) stated no notification was sent out. She put in the dispute and I would receive a reply by XX/XX/XXXX. I called XX/XX/XXXX, and talk to XXXX ( XXXX ) and he would not answer the question of the dispute. I call back and talked to XXXX ( XXXX ) she did not answer the dispute question but told me the company did not have to send out monthly statements. Sending out statement was a courtesy. Also, it was my BK attorney responsibility to check to see if there was an increase in the mortgage.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).

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 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told by Navient that I was going to be part of the income-based repayment plan. I discovered today that I was not part of that plan. My student loans were never consolidated and I have still been charged interest every month. I was under the impression for the last year I was in this program and would have at least 11 months worth of qualifying payments towards the student loan forgiveness program. I did not know there were separate programs and feel like I have been lied to. I had no idea that my loans were supposed to be consolidated nor did I know the government would pay the interest for the first 3 years. I feel Navient has been misleading because I was under the impression I was in the Income Based Repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The dates for a debt from XXXX are being incorrectly reported. 
Account is listed as XXXX XXXX XXXX # XXXXAmount as of XXXX : $ XXXXPlaced for collection ( according to report ) : XXXX never had an agreement with XXXX or XXXX. This debt is being incorrectly reported with the wrong dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (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: I am starting a new complaint because I did not include enough documentation and receipts in my original complaint and Chase Cardmember Services accepted the challenge by the merchant stating the merchant provided documentation ... which advises that the services were rendered as they should have been and no credit is due you. 

The contract for service was signed with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX 's license to do business in California as a " Contractor '' expired on XX/XX/XXXX BEFORE he completed the job.. XXXX XXXX XXXX XXXX did not follow the California laws regarding downpayments and progress payments. He never provided an invoice for the payment he demanded to my corporation, XXXX XXXX. He provided a statement of the services he rendered and the amount due him ONLY to Chase Cardmember Services and this was provided 3 months after his license had expired. The statement of amount owed him was higher than the contracted price. His invoice did not match the agreed upon amounts and he failed to provide XXXX XXXX with Extra Work and/or Change Orders for XXXX XXXX 's approval.

Company response to consumer: Closed with explanation