milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with AllianceOne Recievables Management (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AllianceOne purports that I owe them {$100.00} with no justification or lawful cause. Their client purports I owe a debt and I do not owe this debt. Here is why the debt that AllianceOne is attempting to collect is improper.
XXXX XXXX, 2017 This is from the Local Rules for XXXX XXXX County : Rule 5.16 ( d ) " Sanctions and/or fees may be imposed on any party that fails to contact XXXX  at least 24 hours before the scheduled appointment. '' No sanctions or fines apply to me since I contacted XXXX last time 24 hours prior to cancel and sent AllianceOne all proof of said in six ( 6 ) prior emails and written letters.
I also infer that without fail no party cancelling 24 hours or more in advance shall be liable for fines, and therefore, I do not owe any fines.
In view of this, AllianceOnce, the collection agency, needs to cancel my fines and send me a confirmation of this said ( regarding Account # XXXX ) since they have not yet done so.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report included a collections balance that was caused by my utility company sending a bill to a wrong address and not following up on correct address. Upon learning of the collection, I had the mistake corrected with XXXX, paid the balance and requested a letter from XXXX acknowledging the mistake and the fact that the balance was erroneously sent to collection and was recalled. Since I am applying for a mortgage currently, I had submitted the letter from XXXX to the major credit agencies. XXXX of the XXXX were able to process the error in a relatively timely fashion. However, the equifax website has been unavailable / non functional for the past 45 days ( I have tried XXXX to submit the dispute and upload the letter but it keeps giving an error ). I called them today ( recorded call ) and they acknowledged receiving a notice from the collection agent in XXXX ( 3+ months ago ), but have not yet been able to amend the error. They also refused to get in touch with XXXX collection and stated that they need to passively receive a " secure feed '' from the collection agent in order to make a change. The other XXXX agencies had no such issue. I have been in touch with XXXX, they acknowledged the recall action took place weeks ago. 

As mentioned, I am applying for a mortgage and am risk of being turned down or not getting the rate or product I prefer due to Equifax 's incompetence and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied for an XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX. I did this because they were offering XXXX milies as a bonus. Because I had an XXXX XXXX XXXX in the recent pass in my name not the XXXX, I wanted to make sure that we would qualify for the bonus miles because I am well aware of the " waiting period '' required to be eligible. After explaining this the person I talked with assured me I would be eligible. 
Having spent the required {$3000.00} ; last week when I inquired as to where were the bonus miles, the person said you are not eligible because of the timing but would submit an appeal. Today, XX/XX/XXXX, I did receive a letter from them saying " we added XXXX XXXX XXXX XXXX miles to your account. '' The bonus offer was for XXXX. 
I don't record my telephone conversations but XXXX XXXX probably does which would verify my comments. 
Bottom line, this is the second time this has occurred ( the other time with XXXX XXXX ). A credit card company should not approve an application for bonus miles if the person or entity applying is not eligible for the bonus due to the time interval of previous card ownership. To " string '' a person out so that they will spend the {$3000.00} upfront money in a 90 day period and then tell them " Oh, guess what, you weren't eligible for the bonus miles you applied for. '' This is an unfair business practice and the CFPB needs to do something about it.

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 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in the middle of a refi and there is a collection on my credit that is not mine. XXXX is the original creditor and they have given me a letter confirming this is not my debt ( I am actually a current customer of XXXX in good standing ) I contacted the collection company ERC and they refuse to give me anything in writing confirming that they will remove the negative reporting. I need a letter from them so that I can continue the refinance of my home loan as this is affecting the rate I can qualify for.

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 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I decided to cancel an XXXX American Express card when I was charged an annual fee for the second year. I called to cancel it early this year, and the representative who helped me confirmed the cancellation and said nothing else. However, I continued to receive statements with a charge for the annual fee. 

When I called about this issue on XX/XX/XXXX, I was told by XXXX ( XXXX ) that there was a 30 day deadline for cancelling the account without an annual fee, and that I had been four days over the deadline. I objected that the representative had not informed me of this, and that if I had known, I would have kept the account open. I asked for the annual fee to be removed, or, if that was not possible, for my account to be reinstated. I was told that neither was possible. When I asked to speak to a manager, my request was refused. This representative did promise for my complaint to be sent to the proper department and that they would contact me about the result of their investigation. 

After not receiving any news for several months, I called again on XX/XX/XXXX, and this time spoke with with a manager ( XXXX ), who repeated that while they had tried to remove the annual fee both in XXXX and now, their software programs were not allowing them to remove it. He also repeated that I could not reinstate my account as it was past a three month deadline for that action. 

In summary, I am being asked to pay an annual fee for an account I can not use ; the company representatives tried to remove it and thus sanctioned the removal, but were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It appears I am a victim of the massive Equifax data breach and I find it outrageous that, in an attempt to best protect myself from Equifax 's lapse in security, I must pay {$10.00} per credit bureau to enact a credit freeze. I believe that as a credit bureau, Equifax et al should be held to a higher standard for securing my personal data being that it holds in one place virtually every aspect of my life history. My financial life is now completely vulnerable thru no fault of my own. As a result, I am filing this complaint to request that Equifax compensate me for {$90.00} which will cover the fees to both apply and remove a credit freeze at all three bureaus plus the addition of a one-time " thaw '' or temporary freeze at all three bureaus. I feel this is fair and reasonable in that I 'm not looking to profit but simply re-coup my outlay. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Debt collection (Medical) with Van Ru Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a large scale security breach and they informed me that I was infected. They provided one year of credit monitoring and identity theft protection as recourse but this is something that is going to possibly affect me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problems when you are unable to pay

Complaint: Account with Navy Federal Credit Union. I have asignature loan and also a car note with Navy Federal credit union. I amfiling this complaint because I need help and I truly want to getback on track with NFCU and prevent my car from being repo. Iseparated from the Navy XXXX 2014 due to medical related issues. I hadinsurance on my signature loan and when I separated NFCU stated theinsurance was taken off due to me not signing my promissory note whichwas not correct. After months and months of going backwards andforwards and me doing a XXXX complaint it was discovered by NFCU I didsign the note and they reinstated my insurance. I filled out the claimand was told that the insurance was removed again due to none payment. 
I requested to NFCU that they correct the late days due to it being nofault of my own and was told that was not possible so my loan wentinto default. I was paying my car note every month ( Loans/support fromfamily and friends ) and 90 days ago I went into the NFCU branch andthey refused to take my payment. I called NFCU and was told I mustcontact a third party company to pay the loan. I contacted the thirdparty company and explained my situation and I was told he personallyknew the lead for collections and he would talk to her and help me geteverything back on track. To date no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: Wells Fargo is refusing to use existing info sent them in connection with the Estate of my Aunt, XXXX and her Stock Account # XXXX. On XX/XX/2017 I sat with W.F. representative XXXX, at XXXX, DE Office, who helped me fill paperwork for Stock ( XXXX. ) sale ( XXXX ), valued at about $ XXXX.Included were Letter of Administration proving Estate establishment, an IRS Employee #, proof of existing Stock Certificate issued by her employee, XXXX , XXXX Medallion Stamps from my bank WSFS, and proper/necessary W.F. Forms. They all were mailed, by courier, that day to W.F. Shareowner Services. On XX/XX/2017 I e-mailed W.F.S.S. and was subsequently told by their XXXX that material was incomplete and an entire new package must be resubmitted and further, nothing he had in hand could be reused. Also, he refused to let me speak with Dept head, XXXX. I wish for W.F.S.S. to allow me to complete their Forms, but use all other existing paperwork to complete transaction. My information is XXXX, XXXX XXXX., XXXX, DE XXXX, XXXX, XXXX. Product information is provided above, but I might add our relationship with W.F. extended over 25 years and at end was awful. Not only were we overcharged interest, which they had to refund, overcharged fees which they never refunded, but worst of all they refused to discuss, ( including today ) my wife 's, ( XXXX ) earned retirement fund for years of employment. W.F. refuses to make any long-term or lump-sum offer or any basis of calculation. This amounts to thousands of dollars they owe her.

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 01-11-2017 about Debt collection (Medical) with Midwestern Audit Services, Inc (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I am getting threatening calls for medical debts with XXXX XXXX and XXXX other medical collectors, they have wrong insurance information, I gave them correct insurance now they are rebilling Medicare as I do n't have Medicaid. All this is error on their part. I have never received a bill on medical ever as Medicare pays 100 %. Hassling and threatening calls stating I be taking to court ... harassment.

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 11-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. 

I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. 

Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. 

I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. 

I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original FedLoan account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio is reporting an an error on my account of $ XXXXXXXXI do not owe this account and Portfolio has made up some dates and reported it to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I am disappointed in Wells Fargo 's decision not to reimburse me for the XXXX {$5.00} service fees I was charged on XXXX XXXX, 2015. 
This entire incident occurred simply because the woman in charge of the XXXX XXXX Wells Fargo office did not tell me this was some sort of special savings account and did not tell me there was a minimum account balance. All I wanted were XXXX plain, old fashioned, savings accounts. I have closed these accounts ( XXXX and XXXX ) and transferred my direct deposit payroll to a credit union. I no longer use my Wells Fargo checking account for anything other than cashing checks that are sent to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! 
What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. 
I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This company with no name or information or address is reporting on my credit, and it is affecting it really bad. There is no way of communication and is reporting as N/A.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
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 my credit card was utilized for an excess of {$720.00} this amount could be a little off because of additional fees an so forth however I reported this to barclaycard As well to the police and they are still making me pay for it I have a police report in XXXX XXXX Ive spent countless hours going back and forth with my credit card and today they said they are not considering this fraud. Please help

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