milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: In accordance with the XXXX District Court of XXXX XXXX, MI dated XX/XX/2017.
Please send me a list of all the Class action court orders against Discover along with the amount that you were ordered to pay all cardholders. This needs to include all Federal, state and local court orders! Send it to XXXX XXXX XXXX, XXXX, MI XXXX Thanks XXXX XXXX XXXX I have sent Discover and their lawyers this letter 3 times with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX/XXXX/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report.

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 12-09-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (IL).
Issue: Making/receiving payments, sending money

Complaint: I set up a permanent recurring online transfer, once every six months between Ally Bank and an external account without limiting it to a number of transfers or an end date. I received an email alert stating the following : " Ally Bank Alert Ally Hello, XXXX XXXX There 's only one more scheduled transfer for your recurring plan. 


Amount : {$0.00} From : Ally Bank, Checking To : XXXX " Ally Bank refused to contact me with follow up information and demanded instead that I contact them repeatedly until they figure out the issue. This bank has made repeated egregious errors which I have previously reported to the CFPB and has demonstrated a consistent inability and unwillingness to address or resolve them.

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 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The above is not really what I 'm reaching out to file a complaint. What happened was that I was sent to a debt collector by my wireless carrier ( XXXX XXXX XXXX ) by the name of Credence Resource Management, LLC. This collector offered me a settlement amount which I paid as of XX/XX/XXXX. I was told my payment settled the account in full and that the creditor ( XXXX XXXX XXXX ) would be notified in a few business days. I verified that and was not done so they sent a receipt to me letting me know they had reached out and notified XXXX XXXX XXXX. 

I received a letter this month from another debt collector by the name of XXXX XXXX saying I owe a remaining balance. So it appears that Credence Resource Management, LLC. did not settle my debt instead only paid a partial amount. I contacted Credence on XXXX XXXX, 2015 to see why they did not follow through on what I was told and had in writing on their receipt and assured in 3 business days it would be taken care of. I gave them 4 business days and they have not come through, yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am XXXX years of age and have a student loan amount of {$42000.00} with Navient since XX/XX/XXXX. The loan was transferred to Navient from XXXX. I do not deny that I have a loan, and I am making monthly payments. However, I just noticed that none of my monthly payment amount of {$290.00} is going towards principal. For example, my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$290.00}, and I was aware that there would be a late fee. However, {$280.00} was put towards interest and {$17.00} went towards " fees, '' and XXXX went towards principal. I have n't had anything paid towards principal since XX/XX/XXXX when I made a larger payment so that more would go towards principal. I contacted Navient and spoke with someone who was obviously from a XXXX country and was told that the interest amount is paid first, then the principal. I tried to explain that nothing went towards principal and she agreed but still said that is the way they apply the payments. At this rate, I will never pay the loan off. This has to be illegal. Even pay-day loans put something towards the principal. I understand that there was a class action lawsuit against Navient, but I was unaware of it at the time. I would appreciate any assistance that you can give me. Please contact me if you need my loan number. I will be more than happy to provide any information you need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Experian about my incorrect 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 10-12-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: The Chase credit card company kept charging me late fees for months even though my payments were on auto pay. They continuously kept charging me a purchase fee as well. I was not aware of all these charges until recently, like two months ago. They continued charging without me even knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: We 're a XXXX based in XXXX XXXX. We recently purchased some custom glass from a vendor in XXXX. When the items arrived to our customers location we noticed they were all broken and could not be installed. We immediately contacted the vendor and provided them with videos and pictures of the damaged goods. The vendor at not point in time tried to correct the problem or issue us a refund. Instead they tried placing the blame on the shipping carrier ( XXXX ). At no point in time did our company make any arrangement with XXXX. All our communication was with the vendor directly. XXXX however did come to the site were the glass was delivered and confirmed that glass was indeed broken and could not be used. At that point in time XXXX decided to pay out the claim directly to XXXX XXXX. Unfortunately XXXX XXXX insured their package incorrectly as you will see in the emails attached. They were supposed to have insured the package for {$25.00} per pound but only did {$2.00} This only allowed XXXX to payout {$2.00} for the claim which is clearly not enough to cover our damages. All this information was passed on to our bank CHASE/VISA. They stated to us that they would open a claim and try and collect the funds back for us. A couple of months into the dispute process were contacted by CHASE and informed that we had won the arbitration and that the temporary credit would not be permanent. Fast forward a month or so later and CHASE has now taken the money out of our account. Now all of a sudden they 're telling us that we lost the claim in arbitration and that they provided us the incorrect information. We can not see how it is possible to have lost this claim when both the XXXX XXXX and XXXX have confirmed via email that the glass was indeed broken. We really need your assistance in this matter. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Other bank product/service) with KEYCORP (OR).
Issue: Account opening, closing, or management

Complaint: see attached. I am sending all info for this section and large amount of documentation that substantiates my complaint. This info contains different times and different ways I have tried to get info and answers. It demonstrates a lot of the other problems I had with Key Bank XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went online to equifax and received a free online report. In less than XXXX hours it was no longer available- I received an error message with a number to call but when I called the number there was no way to relay the message or get my report back. There are no automated options and no possibility of speaking to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 a collection account was added to my report by an company known as XXXX XXXX XXXX, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.

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 10/31/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 1st issue my original creditor is XXXX XXXX XXXX. They sold the debt to Midland Funding. Midland uses XXXX XXXX XXXX to pay debts. I paid a settlement offer of {$510.00} to XXXX XXXX XXXX XXXX. They told me after 30 days the debt would be updated to the credit bureaus as XXXX balance account settled. After over 50 days they still have n't removed by balance or updated my paid amount.I have disputed it several times with the credit bureaus and each time Midland Funding denies payment. I spoke with Midland Funding XX/XX/2016 and they said the payment has n't cleared so they will report it in an additional 4-6 weeks. I explained to them the agreement made with XXXX XXXX on their behalf. The employee then said she would attempt to expedite the process. On today I spoke with Midland Funding. They are now saying payment was received XX/XX/2016, but it will take another 30-45 days for the credit bureaus to be updated. I then told them they have repeatedly broke the agreement made and I will report them to the Federal Trade Commission.The employee then said they will expedite my claim and the credit bureaus will be notified of the settled amount in 3-5 days. My other complaint is this debt is being reported twice on my credit report. The original creditor XXXX XXXX shows a charge off XXXX balance, and then Midland Funding is reporting that I owe {$680.00}. So this is leaving me with XXXX derogatories on my credit report for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There is a certain debt collector known as XXXX XXXX XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loans are serviced by FedLoan Servicing. I noticed that direct subsidized loans from my XXXX education were listed as in " forbearance '' and contacted the company to correct this information. The company shows interest accruing on these subsidized loans even though I have been enrolled in school full-time. When I contacted the company in XXXX XXXX via an online form I was emailed and told to wait for my school to submit new enrollment records. In XXXX XXXX I contacted the company via phone and the online form because the loans continued to show up as in forbearance status. I was emailed and told, because I graduated, my loans accrued interest during the grace period. I am in a XXXX program and receiving a XXXX XXXX is a milestone in the program but I am continuously enrolled full-time in school. These loans are subsidized and should not accrue interest while I maintain full-time enrollment. I do not know how to get this company to respond appropriately to my requests as federal law seems quite clear on this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this is not a valid account

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 03/17/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: My muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX an apartment I moved out of was retaliating against me for some disagreements the property manager and I had to do with repairs in my unit that they refused to fix (law violation  #1) and towing vehicles. I did not renew my lease with them however, upon giving proper notice of intent to vacate, I somehow acquired a lump sum of charges (XXXX) that I was never informed of (law violation #2). For the record, I was first notified of the charges on XXXX XXXX XXXX by the debt collection agency ProCollect, 2 months after moving. The claims made against me were clearly made in bad faith. XXXX XXXX XXXX XXXX XXXX submitted no evidence to support their allegations and instead the credit bureaus and debt collections agency let a mere copy of the lease agreement constitute as evidence. I sent multiple dispute letters claiming the false statement of fact provided by XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I sent Pro Collect a final dispute letter with attachments that refuted all of their claims against me. I received nothing back from ProCollect but now this is the only derogatory mark on my credit and it is completely illegal. ProCollect has violated the fair debt collection practices act. Section 807(5) States that a debt collection agency cannot threat to take action that cannot legally be taken. Section 809(b) States that if a consumer notifies the debt-collector within the thirty day period (a) that a debt, or any portion thereof is disputed, the debt collector shall cease collection of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I wrote a complaint regarding Wells Fargo bank approximately 12 hours ago. I received a response from the same person that frustrated me originally, thereby, accomplishing nothing.

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 10/29/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XXXX. I am now XXXX retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only XXXX credit reorting agency. I was also informed that the loan has since been sold to Navient ( whom this complaint is being filed against ) but is being serviced by XXXX XXXX. I contacted XXXX XXXX to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Bull City is reporting a medical debt from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not my responsibility. I am fully insured by the XXXX, and the XXXX scheduled this appointment for me at this office. I told XXXX XXXX XXXX XXXX XXXX XXXX several times that this visit should be billed to the XXXX, but they never did bill it properly. Now they are having Bull City Collections report this bill on my credit report simply because they never billed it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

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 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I resided at an Apartment unit for 2 years with no late payments nor issues. I was not present for the move out inspections and now the apartment sent the calm stating that there were stains on the carpet. I was then notified by National Credit Systems , Inc. by phone calls and letters stating that if I do not pay {$800.00} for the carpet stains that they will Garnish my wages or Seize and Auction my personal property. 
I requested proof and I was sent Black and White pictures that I ca n't see any stains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation