milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Lender ( Navient ) switched me to electronic billing and then never e-mailed the bills. Stopped mailing paper bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of 25,000 bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising. This complaint was previously closed despite the fact the company failed to provide documentation of their claims. 

Please reopen this claim and explain why citibank 's response was reason to close it when they provide no documentation to show that they are not in violation of the unfair or deceptive acts or practices Section 5 ( a ) of the FTC Act Upon activation of the card, the citibank representative confirmed I would receive the bonus after meeting the spending requirement. I never received such a bonus, nor did the terms upon application or with the offer I received indicate that I would not be eligible based on the different product I previously had. I disagree with the company 's response and expect them to document proof of their false claims. I am owed the bonus and the company 's actions constitute an unfair or deceptive acts or practices violation. The FTC Act prohibits unfair or deceptive acts or practices. " An act or practice may be found to be unfair where it " causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition. '' A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. " Citibank should be prosecuted for willfully violating this act and failing to make appropriate restitution.

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 12-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. 
My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? 
Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? 
I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. 
I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. 
Please make them pay my NYS Property tax. I already paid through mortgage payments. 
Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
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: Today XX/XX/2017, I received a call from a Capital One fraud investigator by the name of XXXX about a fraud claim that I filed months ago. He told me that an authorized user had made purchases on my account that the authorized user stated to me that they did not make. He told me that they initially help the merchant liable and that the merchant and disputed the claim. I was in a rush and I was not able to speak to him at the moment. He gave me his phone number to get in contact with him. I tried calling but have yet to hear back from him. Without giving me any details or discussing the real issue he told me that the charges will be back on my card. Those charges are not mine and that this investigator poorly handled my case and is not doing a thorough investigation but is merely trying to get my paperwork of his desk in favor of his superiors.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Medical) with Capio Partners, LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed for divorce in XXXX XXXX. My ex has not lived with me and my son since XXXX XXXX and has since been living with her boyfriend. Apparently she had XXXX in and around XXXX XXXX and decided to keep the insurance checks instead of signing them over to the doctor. Please keep in mind that the health ins policy was in her name, through her job, and that she was the patient. In XXXX XXXX I received a collection letter to my home from am Attorney Richard Sokoloff. I have a recorded conversation where I explained that I have nothing to do with this debt and to remove me and I provided them with her address. I have sent several letters both regular mail and certified asking for them to prove this debt or remove me and I still have no response.

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 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MT).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: In XXXX of XXXX I received a new credit card from Bank of America with an offer of a balance transfer for 0 % transaction fees and 0 % interest for 15 months. On XXXX XXXX I called and talked to a XXXX XXXX # XXXX and ask her if they would do a direct deposit into my account for the 0 % fee and 0 % apr. She then spoke to her manager XXXX XXXX and he approved this transaction. XXXX XXXX XXXX On XXXX.XXXXth when the billing statement came out I had been charged a transaction fee plus XXXX % interest. I called XXXX XXXX back multiple times and left messages, he never returned my calls. 

On XXXX. XXXX,XXXX I called and spoke to a XXXX who transfered me to her manager XXXX XXXX. XXXX He said per the notes on the account he would correct the problem and it would reflect on the XXXX billing statement. 

XXXX.XXXX,XXXX Billing statement did not show any change. 

XXXX.XXXX,XXXX Talked to a XXXX XXXX form XXXX , Pa.. XXXX spoke with her manager XXXX XXXX XXXX who said she would correct the problem within 7-10 business days and call me back. I did not hear from her and she has not returned any phone calls and my last message was that if I did not hear from her I was going to seek help from the Consumer Protection Bureau.
As of XXXX.XXXX,XXXX I have not heard from her and am seeking help from you. 

Thank you for your 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 monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained an erroneous entry. Now that over 30 days have passed I have found this company barely investigated the item and my report is still largely incorrect. In addition, when I reached out the data furnishers to request for validation documents, I did not receive anything to validate the entry. Instead, they requested me to fill up a form and send additional information. From what I read online, FDCPA requires collection companies to provide proof/validation documents upon consumer 's request within 30 days. Another thing that I do not understand is XXXX REMOVED this invalid entry from my report. My credit has been damaged due to this incompetence, negligence and none compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened a chase sapphire preferred credit card sometime in  XX/XX/XXXX  to  XX/XX/XXXX . After a few months and a couple of transaction, I decided that I did not like the card and ask the representative to close my card or convert it to a different without a fee, as the  Chase Sapphire Preferred card ha s an annual fee of {$95.00}, which is waived the first year.  <P/> Fast forward to  XX/XX/XXXX , and I have n't used the card in many many months ( almost a year ), and I find out that my card has n't been closed and I 've now been charged the annual fee even though I c ontacted Chase to close/change   my card almost a year ago.  <P/> I do n't recall how I contacted them and there is no record of my initial contact because if I did it over the phone, I did n't record the conversation, and if I did it online on their secured messages, they purge the messages on their end.  <P/> This is a deceptive practice b y Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was a victim of the TransUnion credit inquiry issue. Inquiries were deleted from my credit report and then re-inserted. TransUnion did not follow the procedure specified in section 611 of the Fair Credit Reporting Act, and notified me 5 days after re-inserting the inquiries. I called customer service, although they wouldn't take care of it.

I am requesting removal of the following credit inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   ( XXXX  ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Medical) with United Revenue Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This account was put in collection more than 2 years ago without my knowledge and now I received constantly calls from collection harassing me and treated me about jail if I do n't paid this debt who was send to a collection agency without any attempt to contact me first and find out reason why this account was delinquent. I get XXXX invoices from the same company with XXXX different amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Consumer Loan (Installment loan) with Atlantic Credit & Finance, Inc. (PA).
Issue: Problems when you are unable to pay

Complaint: I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A {$6000.00} XXXX XXXX account ( XXXX ) from XXXX 2011 keeps on getting reinserted by Experian after it has been confirmed to not be mine and deleted. This account was mistakenly being reported by both Experian and XXXX in the past. After XXXX initiated an investigation a couple of months ago, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. This account is not mine and in XX/XX/XXXX, Experian also deleted it from my report. I have a copy of a report which shows how it was not reporting on my credit in XX/XX/XXXX. <P/>Under the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ), Experian can not reinsert a previously deleted account if they do not provide me a notice in writing within 5 business days that it was verified. Why is this account on my credit again if it is not mine and it has already been proven not to be mine? I have addressed Experian multiple times regarding this issue and they are refusing to process my dispute. <P/>If Experian really is now saying it has been verified, I do n't understand how that is even possible. How can XXXX 's and Experian 's investigations yield two different results and outcomes?

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 08/23/2015 about Debt collection (Credit card) with Retrieval-Masters Creditors Bureau, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have contacted Navient many times trying to release and ex husband who refuses to help me with the student loan. I was told they would not help me and that they could do nothing to help me out and release him even though the divorce decree says I am totally liable for the loan. I am a single mom with no support and they will not help me get onto the income sensitive payment. My loans with the educational loan have a payment of {$0.00} based on income sensitive repayment but Navient refuses to help me and I can not afford the {$370.00} they want per month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: I called Wells Fargo and I needed XXXX fee waiver due to some issues i had on my end. I did n't want a recurring charge to go thru tonight and start a cycle of ol fees again. I am having issues with payroll ... ... and no at this point in time i can not fax proof of that to the gentleman that took the call due to the charge going thru XXXX tonight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process, i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed, lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it, because there is no way to do it ... 
The second part of the problem is that bank super computers magically only processing bank transactions on " business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only " business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow, postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the " business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason, explanation or excuse why these " to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?

Company response to consumer: Closed with explanation