milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Apex Resolution Group LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Constant calls from ARG ( Apex Resolution Group ) XXXX or XXXX to call this number XXXX. These calls are coming to my work, home and family and friends. Said he was XXXX XXXX from ARG. Said to call immediately to avoid interruption of banking verification of employment and verification of assets. He then said he already verified my assets and told me what kind of car I drove. When I called I did not verify my SS # so he hung up on me. Gave me a claim number on the voice mail. I refuse to give my personal information over the phone to anyone. I have not received anything in the mail so I do not know what these people are and why they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting over XXXX calls a day from this number. They will leave a recorded message stating that " This is XXXX XXXX from Navient. Please return my call at ( XXXX ) XXXX. '' The calls are occasionally after XXXX. I am late with my current month 's payment to Navient and will be paying it next week, although I have also received these frequent ( XXXX times per day ) calls before even when not behind on payment. It is my understanding that frequent calling is harassment and illegal. Anything you could do to stop them from doing this to myself and other Navient borrowers would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have experian online reports and summary and it states credit cards, loans, medical bills, bank accounts, etc. that are not mine. I have never had any credit card or bank accounts of any sort until XX/XX/2016. Names for Me are not right. Collections are not mine. I requested a annual report from all XXXX breaks today and they all gave me a series of questions to confirm my identity and I had no answer for any of them. These accounts are not.minem I have XXXX credit cards, XXXX merchant card, a bank account, and XXXX installment loan from XXXX, and a phone bill. Please help me! I need a credit report sent to me preferably online or phone asap.

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 10/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Unsolicited issuance of credit card

Complaint: I have called and asked to be taken off their mailing list several times and a couple months later there is another credit card offer. Today XXXX/XXXX/2015 they sent another. How can I get them to stop. This has happened every 2 months for the last 3 years. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: I did not received my Citibank Credit Card statement for XX/XX/XXXX resulting in them assessing a late fee of {$29.00}. I remember that I had an outstanding balance on my card and went online to check when the payment was due, I found out that the payment was due the next day. While I was online, an attendant reached out to me and asked me if I wanted to talk. I explained to the person that I did not received my monthly statement XX/XX/XXXX resulting in me not making my payment on time. the attendant reviewed my account and stated that since this will be my first late payment, he would go ahead and waive the later fee. I made the payment ( total principal outstanding ) that day via ACH and thought that that would be the end of that. However, I received an email in XX/XX/XXXX stating I now owed {$58.00} which reflect pyramid late fee. I called back to discuss my account and was told that the person who told me the late would be waived made a mistake and I would have to pay the late fee. I think I should not have been assessed any late fee in the first place because the bank did not provide me with a statement which they are required to do 21 days before the payment is due. In addition, pyramid fees is not allowed. Please advise me if I am interpreting the card act incorrectly. Your assistance is greatly appreciated.

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 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX 2016 all my inquiries was removed from my credit report when I reviewed my report today the have reappeared. I was never giving proper documentation that they was reinsert.

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 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I got notice that a collections was placed on my XXXX credit report by IC Systems. Upon review, I found out that it 's the same account and amount that I had previously requested to be removed from my credit report. It appears that IC Systems has re-reported the same debt after they 've confirmed that it will be removed from my credit report. 

Attached are my XXXX credit report dated XXXX XXXX which shows entry of collections account from IC Systems, XXXX/XXXX/XXXX letter to IC Systems asking them to validate the debt, XXXX/XXXX/XXXX letter from IC Systems stating they will remove the account from my credit report, recent XXXX credit report dated XXXX XXXX showing that IC Systems has reported the same debt for collections. I have sent a dispute to TransUnion for this account. This debt arose from identity theft when my purse was stolen in XXXX XXXX ( in support of this, attached is the police 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 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my gym membership for XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid my {$20.00} fee. I have the receipt. Then collection calls began arriving. I was told I owed for XX/XX/XXXX and XX/XX/XXXX even though I was no longer a member. I have my yellow sheet showing my membership cancellation and cancellation of the contract with a XXXX balance owed. I sent proof to the collection agency ABC Financial Services of XXXX, AR XXXX of my receipt, and the cancellation showing XXXX balance, but they keep calling, I contacted XXXX XXXX XXXX four times by phone and visited twice in person and was told it was taken care of. I contacted their corporate office and was told it was not their problem, it is the franchised gym 's issue. No one will help me. Today ( XX/XX/XXXX ) I received yet another collection notice. They call me daily and now are sending mail all for {$20.00} they say that I do, which I do not. It 's not even the money, which is {$20.00}, it 's the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is XXXX XXXX I have been dealing with Equitable Acceptance and now have XXXX XXXX XXXX XXXX contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with Equitable Acceptance has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with XXXX XXXX XXXX XXXX. <P/>Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: APR or interest rate

Complaint: I paid my credit card balance of {$970.00} on XXXX/XXXX/16 due within the due date of the statement cycle and was charged interest of {$4.00} on XXXX/XXXX/16. They stated that the interest was charged because i had a previous statement cycle that was not paid off. Why would I get charged interest for paying the balance due for that month. My understanding is that this is not allowed under Regulation Z. Thanks

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Requesting a full audit, in terms of discrepancies, illicit practices, payments and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with Guglielmo and Associates (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/16 I noticed a significant amount of money missing from my daughter 's and I checking account ( she is primary ). I then pulled up my bank info and seen that there was a debit for {$1200.00} on XXXX/XXXX/16 w/ XXXX others legal fees of {$120.00} and {$150.00}. I went to the bank to get any info I could and all they could provide me was a phone #. I called and was prompted to contact my employer directly ( garnishee ) My employer received no notification of such action being taken, nor had I. I finally googled the phone # to find a website of a law firm/debt collector. I filed a complaint on that website stating that I received absolutely no notification of this action and wanted the my daughter 's funds returned to the account and that I can only communicate by email until XXXX due to my work hours and would be able to take calls after XXXX. I noticed about 10 minutes after XXXX I missed that phone call at XXXX XXXX ( I was n't even logged out of my work computer ) This morning I sent another message to them to wait at least 8 min after XXXX so I am clear to answer my phone. 
I still do not know what this debt is for or if it is even legitimate. 
The law firm whom debited funds belonging to my daughter is Guglielmo and Associates in XXXX, AZ XXXX. 
I appreciate any assistance I can get. Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges.

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 07/19/2016 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I work for a company regulated by the FCRA and know that the statute seeks to not unduly burden the consumer, which is not atypical with laws that protect consumers. The collection agency that contacted me provided very limited information about the debt they were collecting. I have medical insurance and each time my insurance card was used. I have not received anything from a medical provider indicating that there is a balance outstanding. I requested more information from the collection agency and was told I had to submit the request via US Mail. This seems unduly burdensome particularly given the fact that they went through more than sufficient steps to validate me via telephone. They simply did not want to be bothered to send the information. I went ahead and paid it for fear of my credit being impacted and will now research it to try to ascertain its viability. When I paid it, I asked if I could receive something in writing confirming that the matter was resolved and was told that I could make that request in writing. I am in absolute disbelief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NV).
Issue: Deposits and withdrawals

Complaint: This matter has to do with PayPal. I have sold goods and I used PayPal to get paid and now PayPal wants to hold my money for 6 months with no cause. Paypal sent me an email requesting further information before the money would be released to me. They asked for an invoice of the goods, tracking information with weights and dimensions and my state issued drivers license. I provided all of the information the same day. Soon after they said they wanted me to pay on an old debt that my dad owes. Why would I have to pay for this?? He 's his own person and legally it 's his debt not mine. I 'm only XXXX years old and live at home with my parents and because the address is the same they want to pin my fathers debt on me. Makes absolutely no sense what so ever. I am not legally obligated and PayPal is holding my money hostage again I 'm sure not legal. My customer is happy with his products and it has been now 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a case of credit fraud in 2015 on several accounts and XXXX and XXXX is the only company that will not remove the report from my credit. I have sent them all of the information that I have available and that was not enough for them, but was ample for all other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep receiving lettets stating I owe a creditor called XXXX XXXX XXXX and I have never even heard of them

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

Complaint: Regarding the recent Equifax data breach. 

This company allowed enough data to be stolen to steal the identity of most, if not all, working Americans, myself included. I had no choice but to give them my information in order to use a bank, or a credit card, or take out a loan, and live a normal life. Now, because they could n't bother to protect our extremely important data, and worse, failed to alert us in a timely fashion ( they knew about this for at least a month ). My identity could already be compromised and I did n't even know. 

And it gets worse. Equifax tried to XXXX us yet again by saying that by even checking if you were affected would remove your ability to sue. Though that has been removed there is still a ton of confusion about it and it 's pretty obvious they could n't care less about this. They then push their worthless credit monitoring for a fee ( it should be free at the very least for those affected, not that it 's worth having ), which still has the language in their agreement about giving up your right to sue. 

Even worse than that, if you can believe it, it that their PIN generated to freeze your account is simply the timestamp of the freeze. That 's totally secure, no way anyone could figure that out. And it 's still worse ; the information needed to unfreeze your account is the information that was leaked, so freezing the account is n't any protection, it 's just one more step someone needs to do to steal our identities. Literally totally worthless. Who thinks of this stuff? This is n't just laziness, this is intentional malice to XXXX us. It 's just too ridiculous to think anyone is THAT incompetent. 

This is so far beyond acceptable. This scummy company needs to be held accountable for their abuse of their power over Americans, and is merely the last thing in a long line of unacceptable behavior by these financial institutions. We need some seriously heavy federal regulations to keep them in check, if not absorb them into the government. The people in charge need to be investigated, especially with the information of the stock sales around the same time, as there is likely illegal actions there. 

Hopefully you can help protect our rights and provide some real assistance to those whose lives might be destroyed by this horrendous lack of judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: In XXXX XX/XX/2014 I spoke to a rep @ chrysler capital, she asked me if I wanted to change my due date ... I told her I wanted to change my due date to the XXXX of each mo. This was n't done. I found out on XXXX XXXX that this had n't been done. The supervisor acknowledged to me that this was their procedure, but would have to lodge the complaint with their president 's office. I spoke to XXXX today, XXXX XXXX, she informed me that they did n't have access to the recording and I should of paid attention to my statements. I asked why there was no recording, she stated they only keep them for 30 days & did n't know why this was their policy. Her only answer was to remove my late fees but not to fix my credit.

Company response to consumer: Closed with explanation