milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with Bonded Collectors of Wisconsin, Inc (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX, 2017, I contacted Bonded Collectors in XXXX, WI., to try to set up a payment plan. XXXX, the agent I talked to, said he would not accept the $ XXXX/month that I offered and said that I would be in contempt of court and that my wages would be garnished if I did't pay this debt off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: Due to the recent publicized Equifax Inc. hack of 145 million Americans extremely private data and me being impacted by this  leak, according to their own website, I am making this complaint. I literally have lost ALL of my private identity information to who knows where. My date of birth, social security number, banking info, address and all information stored by Equifax is now lost forever from any sort of privacy. I have put fraud alerts on my reports but this information will be forever able to be used by identity thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account on XXXX/XXXX/16 online using promotional offer code XXXX. The promotional code promised XXXX XXXX XXXX XXXX miles after all requirements for the promotion were met. I met all requirements in XXXX 2016 and emailed Citi on XXXX/XXXX/2016 to confirm my eligibility and that I have met all requirements. A Citi representative replied on XXXX/XXXX/2016, confirmed that I had indeed satisfied all terms of this promotion and stated that I would receive XXXX XXXX miles no later than XXXX/XXXX/2016. On XXXX/XXXX/2016, I emailed Citi again to ask where the miles were. They opened an investigation to verify my bonus eligibility and promised to have an answer in XXXX7 business days. I made XXXX additional follow up emails to Citi on XXXX/XXXX/2016 and XXXX/XXXX/2016 with still no resolution on when my bonus miles would post. As of this complaint I have yet to hear back regarding this inquiry and have not received my bonus miles. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee as the account must remain open and in good standing to receive bonus miles. I would greatly appreciate your assistance in resolving this inquiry.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a XXXX degree from XXXX ( XXXX, OH ) and XXXX from the XXXX. During my education period, XXXX managed my student loans and then my loans were acquired by Navient Solutions , Inc . Overtime, my loan has balooned to over {$140000.00}. Accordingly, Navient graciously placed my loans in forebearance ( time & time again ) while I continued to seek alternate means to repay my student debt. Research after research on various student loan plans, I contacted Navient to inquire about the Income Base program. Again, they graciously enrolled me into the Income Based program, which resulted in payments of aproximately {$1300.00}, which again, I could not afford to pay. The {$1300.00} payment was based on both mine and my husband 's income. I immediately notified Navient to inform them that my husband too had student loans with Navient and XXXX. Thus, my payment was reduced to {$900.00}. I am currently XXXX years old soon to turn XXXX in XXXX 2017. My student debt has placed a burden on my marriage and my health. I can not retire, tried working a parttime job for two years at a retail store because of my student loan debt. I have worked for the XXXX for 17-years and currently I 'm employed in XXXX over the past 9-years. Again, after future research on my part, I have learned about the Student Loan Forgiveness program and have successfully applied. I recently received notice by Navient that the U.S. Department of Education will soon transfer the customer service of my federal student loan account to XXXX. I 'm still in the unsure if I 'll be able to meet the repayment plan, but hopefully I 'm on the right track to repay the enormous student debt. If there are better options available to me, please, I need all the assistance I can get! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Other

Complaint: I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Bank of America went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 04-11-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card.

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 02/13/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Unsolicited issuance of credit card

Complaint: I obtained my XXXX credit report on XX/XX/XXXX and saw I had a Chase credit card XXXX when I was XXXX. I called Chase, the informed me the card I called about is a Chase Freedom card with a XXXX limit and that I was an authorized user. They mailed me the card, I activated it, confirmed my identity, and was told I could use it. I used the card to make about {$7600.00} worth of valid purchases on XX/XX/XXXX. On the evening of XX/XX/XXXX, the card was locked by my father, who was the primary account holder. Chase refused me access to the account, I reported fraud to their fraud deparment. Chase informed me that they mailed XXXX credit card in my name to my father 's address, where I have n't live in over two years. Chase never spoke to me about my cards until I called on XX/XX/XXXX. I called on XX/XX/XXXX, I attempted to make payment arrangements for the charges with Chase, and they refused. On XX/XX/XXXX my fiances car was repossessed because XXXX XXXX received a call from Chase that the payment I gave XXXX XXXX and was authorized to make by Chase was fraudulent, and Chase reversed the charge. When I called Chase, they informed me that my father took me off as an authorized user. Chase refused to give me past bills and proceed with my identity theft charges. They informed me I need to inform the PA State Police, which I did, and need to submit proof of identity, and a power of attorney and affirmation to show I am over XXXX. Chase has refused to honor the purchases I made, and said that I can not gain information on any cards that were and are in my name and any and all charges associated with them because I no longer have access to the account. Chase told me I have to wait until XX/XX/XXXX to talk to their litigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting my an overall debt increased that resulted on my XXXX score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the XXXX score is calculated from 5 factors. I was unable to submit a dispute on line.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was referred to XXXX ( XXXX ) by my insurance company after I XXXX. XXXX had me come in six times for very short consultations and XXXX each time. I was not told upfront what the copay was. A few weeks after my appointments, I learned that the copays ranged from {$60.00} to {$80.00} per visit. I was shocked because many of the visits were only XXXX minutes each with a nurse practitioner. When I was presented with my bills ( totaling {$300.00} ), I tried to dispute the claims, and spent hours on the phone with my insurance company and with XXXX. In the end, I ended up paying the XXXX invoices totaling {$300.00} because they would not budge with the copay amounts they were charging, and my insurance would not cover it. I sent XXXX the six payments in XXXX XXXX. By then, my payments had already gone into collections and I was receiving mail from a debt collector between XX/XX/XXXX-XX/XX/XXXX. I talked with them on the phone on three separate occasions, verifying that I had indeed paid the {$300.00}. Finally, after several months of hearing from them, they stopped contacting me. The last time I talked with them, they verified that they noted the debt was paid and that I would not be contact by them again. However, in XXXX XXXX, I was contacted by a new debt collector, called " IC System ''. They maintained that I had not paid the {$300.00} in debt. I called them up right away and said that it had indeed been paid in XXXX XXXX, and I asked that they clarify this with XXXX because I did not want to keep getting harassed after I had paid. On XXXX XXXX, XXXX, I received a letter from IC System that XXXX said I had not paid the debt, and that they were still waiting on it. So today I sent them proof that I had paid, through my XXXX XXXX bank statement showing scanned copies of the XXXX deposited checks. I sent a cover letter along with this proof asking that they please stop contacting me and that they wipe my credit clear of this debt because I had paid it within 3 months of receiving the original invoices. This entire ordeal has been very time-consuming and frustrating because I paid the debt nearly a year ago and am still being harassed 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 explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with ERC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the companies and they said they had no way of knowing unless I had an account with 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 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all TU did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE TRANS UNION TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Trans Union to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.

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 10/29/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have problems with Equifax who does not allows to get my credit report with Free Annualcreditreport.com, which one time per year. And I tried to contact them by emails, mails, and phones, but I do not get any respond. When I applied for loans the Creditors pull my credit it still show this problems:1./ Bankruptcy chapter XXXX ( this is more than 10 years already ) 2. Collection fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED CHARGED, account # XXXX {$340.00}. All of these issues need to remove as soon as possible if you can help. These issues against with my Bank 's Loan Proposal. Since you get this message please let me know. My email : XXXXXXXXXXXX and Cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My name is XXXX XXXX last 4 of my SSN are XXXX date of birthXX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. Experian needs to get proof this is my judgment or remove from my credit

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 03-01-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Charged late fees by Navient after they were notified bankruptcy was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XX/XX/XXXX, when we were on an XXXX, we were offered a home by XXXX XXXX on XX/XX/XXXX, and we bought the house paying a {$6000.00} deposit ( House was valued at {$160000.00} ). The loan was then taken over by Countrywide Loans ( CL ) and finally Bank of America ( BOA ), bought out Countrywide Loans, which went under. 
XX/XX/XXXX, I suffered a XXXX, caused due to a rear ending of my car by an errant driver, who had no Insurance. The illness caused the company ( XXXX XXXX , XXXX ) that I worked for, for almost 12 years, to lay me off on XX/XX/XXXX. Although unemployed with no means of income from the government ( due to my XXXX status then ), either in the form of XXXX or Unemployment, I continued payments on the house and in XX/XX/XXXX, I requested Bank of America to help me with a Loan Modification. The trial period of three months was also fulfilled but without a job I could n't afford it further and requested Bank of America to reconsider lowering the rate further for me to afford it. In the meantime a company called XXXX from XXXX, California, offered to help and ripped me of for {$1800.00}. 
Since then I have sent in XXXX XXXX prepaid envelopes of documents that the bank requested. Finally when I got a job on XX/XX/XXXX with XXXX , XXXX, I reached out to Bank of America, who once again dragged their feet on the issue making false accusation of incompleteness of documents, These documents were completed and sent to them with the help of their branch in XXXX. To make good my Loan with them, I saved and put down {$11000.00}, against the loan 's principal in XX/XX/XXXX 
Both of the previously mentioned companies took advantage of my status and did not pay me the prescribed wages for which they had filed for my employment. I have reported the matter of XXXX, in XX/XX/XXXX to the Department of Labor ( DOL ) and am still to get my back dues. Now that we are Permanent Residents, I have directly referred the XXXX XXXX having short paid me directly to the Texas Labor Commission. 
Bank of America kept dilly dallying the issue by claiming to be working on my loan modification and then coming up with fictitious claims that my application was incomplete. Now that the price of my home has improved, they are wanting to possess it by foreclosing on my property. 
All of the above has had a big toll on my health I beg you to please help me get this issue resolved. 
XXXX Email : 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