milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2015 about Debt collection (I do not know) with P&L Acquisitions LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My interaction includes multiple violations, but I was only able to choose one. A representative from P & L Acquisitions contacted a relative with whom I have never lived, never used as a contact address, and posed as an employee of the local courthouse. He claimed that he was looking for me, because a summons was going to be delivered to my relative 's address the following day. He stated that she needed to get a message to me informing me of this information and that I needed to contact a toll-free number that he provided to her in order to resolve the matter. My relative was able to reach me. She told me that the caller disclosed details of the alleged debt, as well as harassed her with threatening language, and he told her that he was a courthouse employee and that he was at the courthouse at that time. The number on her caller ID showed the XXXX County Courthouse number, but the number did not originate from the courthouse. I called the toll-free number that was given to her, and a man answered with a greeting of " Corporate office. '' I asked for the name and address of the company, which he provided as P & L Acquisitions. I also contacted the courthouse, as well as the Sheriff 's Department, and they denied that anyone from there contacted or was looking for me. A representative from XXXX XXXX XXXX XXXX fraudulently posed as a courthouse employee in order to threaten me. The next day, I received a letter from the company, signed by XXXX XXXX " Legal Administrator. '' The letter untruthfully stated that I had ignored previous attempts to resolve this matter, which is absolutely not true, because I have never received any communication from them, and there is no information in the letter to identify what this matter is about. The letter is designed to look like an official legal document. It threatens to obtain a judgment against me without even suggesting that I have a right to dispute their claim. There is nothing about an original creditor or other identifying information. There is no disclosure stating that I have the right to dispute. There is no proof that they are licensed to practice in my state. The letter also states that they may file a lawsuit against me which would result in a judgment entered against me. That 's not how it works. This letter is yet another example of illegal collection practices that this company has willfully chosen to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX XXXX Common Wealth Financial XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. 

To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with JPMORGAN CHASE & CO. (AR).
Issue: Balance transfer

Complaint: I took out an 18 month 0 % interest from my Chase credit card. It was due XX/XX/XXXX ( meaning XX/XX/XXXX ) but I thought that it meant XX/XX/XXXX. The due date on the card for the monthly payment was something like XX/XX/XXXX, I paid the balance off on XXXX XXXX to avoid any interest charges. They still charged me {$80.00} in interest. I contacted Chase 3 times, they told me that it was due to my billing cycle which ended XXXX XXXX, and that there was nothing that they could do, they could not even take the interest off. You pay a fee when you do these things, so I know they made their money, but they had to trick me into thinking that the due date was XX/XX/XXXX in order to make a little more. Although I had been a customer since XX/XX/XXXX, this did not matter, I payed the interest and canceled the card. Then someone told me I should do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: Consumer Financial Protection Bureau : This email is being written in response to your letter and your conclusion that Bank of America had adequately responded to our complaint. We appreciate Bank of American 's research by their XXXX Customer Care Resolution team and their response via their letter date XX/XX/XXXX regarding the disposition of our loan in XXXX. Frankly it may have been correct as far as it went. However, we made payments through XX/XX/XXXX and into XX/XX/XXXX. ( The last payment was received by Bank of America XX/XX/XXXX and was subsequently returned following our receipt of the Abandonment Form ). 
Copies of our XX/XX/XXXX payments, which were not recorded by Bank of America and were not addressed in the BofA XX/XX/XXXX letter. What happened to that {$1900.00} which was paid to and received by Bank of America? We can forward copies of the Bank of America receipts and copies of the cancelled checks. Although we sent copies of the receipts and cancelled checks to Bank of America, they are refusing to accept or return our numerous phone calls or hold themselves accountable for their errors. We would appreciate a response from Bank of America to our new inquiries. 
We have been in contact with XXXX, XXXX, PA ( Single Point Contact / XXXX # ( XXXX ) as late as of XX/XX/XXXX am and they have not been able to find any record or knowledge of the loan, by name, address, SS # or loan #. 
Because of these discrepancies we are asking you at the Consumer Financial Protection Bureau to further review this situation : ( 1 ) What happened to {$1900.00} payments that were made in XX/XX/XXXX to Bank of America on this account # XXXX ; ( 2 ) Help XXXX find the charge off records, identify the correct amount owed and assist us in being able to pay our debt, # XXXX ; ( 3 ) Remove the Abandonment Statement on our credit report allowing us to secure a new home mortgage. 
Thank you for your assistance. 
Regards, XXXX, SS # XXXX XXXX, SS # XXXX XXXX , XXXX, MI XXXX Phone - ( 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
Consumer complaint received 09-01-2015 about Credit reporting () with NCC Business Services, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This place evicted me at the balance of XXXX and after that i called to see what ha pendwith my balance how do i pay it and they told me the balance is XXXX and i was out raged after 2 weeks i called back they told me the balance was XXXX now how is that POSSIBLE I LOST MY APARTMENT AT XXXX AND THEY KIP CHARGING ME AFTER AM GONE OF THE APARTMENT THAT 'S JUST IN SANE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Big Picture Loans, LLC (KY).
Issue: Struggling to pay your loan

Complaint: Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: my husband passed away and he had credit life insurance so my mortgage should be paid off but loancare are still makin me pay and and they keep raising my house payment and now they are sayin I owe XXXX $ late fee which I do not I mailed and owe them nothin

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 09/23/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from Pinnacle debt services asking me to call their phone number at XXXX from XXXX, Florida I do not know who these people are and do not owe money to anyone. My credit rating is very high. No money issues. The message said I must call them back immediately, which I did not and wo n't How do I stop them from calling?

Company response to consumer: Closed
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the EQUIFAX breach. 

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Private student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The issue I am having is with Citibank/XXXX XXXX, the current servicer of a student loan I have originally taken out with Citibank in XX/XX/XXXX for the amount of {$40000.00}. The loan has always had a fixed interest rate of 3.75 % until it got transferred to XXXX XXXX where the original conditions of the loan were changed without noticed. It is now a variable rate of 4 %. 

XXXX XXXX/Citibank are not able to provide any documents previously handled by Citibank like promissory notes, loan conditions at the time etc. I have called XXXX multiple times to request previous records and they tell me I need to call Citibank. When I call Citibank they ca n't provide any information for me either. Since they are unable to provide any records it is hard for me to explain that a fixed rate became variable without my consent. 
I have been repaying the loan since XX/XX/XXXX and loan balance is currently at {$40000.00} and there is no clear explanation of how much of each payment is going towards what. 

Please let me know and I will send more information specific to the loan and my identity.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining 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 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The XXXX XXXX XXXX account was paid as agreed and has a zero balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
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: OnXX/XX/XXXX at XXXX, I received a text msg from citibank fraud dept. that they allow a transaction from XXXX with the amount approximately of XXXX and XXXX. I immediately replied " NO '' and called them right away. They cancelled the card and reported it stolen. But they rollover the said transactions on the new card. Now, amounting to about XXXX and XXXX. I disputed the transactions again on XX/XX/XXXX.  Which they resolved. But nowXX/XX/XXXX, the XXXX transactions showed on my account again but went up to XXXX and XXXX. I don't have a XXXX app nor have I used XXXX as a transport. I called them and they cancelled the card right away. I don't know what to do at this point it looks like they've been ignoring my complaint. I already informed them to block any transactions from XXXX when I called them last 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 11-08-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: My credit card was charged without authorization. I have supporting documentation regarding the transaction with an independent auto mechanic, XXXX XXXX, who placed the charge without my authorization and without repairing my car on XXXX XXXX, 2015. My car would not start and needed diagnostics to find the problem. XXXX XXXX XXXX came to my house to diagnose the car while I was at work. Without calling me before doing any work, as requested requested and required by NYS Motor Vehicle Repair Shop Regulations, XXXX alledgedly changed the spark plugs, then took my Chase credit card from the car 's center console and charged it for {$190.00}. When I got home the car did not start. I had to have it towed to XXXX XXXX who diagnosed the problem and found it was bad gas in the tank. The correct service including emptying gas tank and cleaning gas lines was done by XXXX XXXX who was paid in full for repairing my vehicle {$680.00}. After submitting substantial evidence including errors in the XXXX XXXX estimate, no authorization or signature by me to charge my card and violations of multiple sections of the New York State Motor Vehicle Repair Shop Regulations ( see attachments ), Chase has refused to reverse the XXXX charge by XXXX Auto. After giving Chase everything they asked for and spending many hours on my case, ultimately, Chase came up with telling me I had to get a statement from XXXX or a third party mechanic stating that they have reviewed both XXXX and XXXX XXXX 's estimates and offer their professional opinion in order to win this case. The XXXX XXXX XXXX Manager agreed to accept a phone call from Chase, however, he stated his boss would not allow anything in writing. Other local third party mechanics refused to get involved. Chase has refused to issue a credit for this charge. It took Chase over 3 months to get me a final notice of refusal on XXXX XXXX, 2015. The initial complaint went into their system as a quality of service issue, however, one can clearly see through the documentation I was not provided service. I was also not called back after leaving messages multiple times by Chase customer service specialist XXXX XXXX as documented. I even asked XXXX XXXX XXXX if they did change my spark plugs, they can give me mine and keep their plugs as my spark plugs were not the problem, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I DISPUTED THE XXXX ACCT XXXX as inaccurate/incomplete : that there isno date closed, no last pymt date or amount, no chargeoff date or amt, no date of last activity. 
without those dates I can not proceed against the creditor for usurious charges beyonddefault rates from the date account was closed to further purchases and the subsequent chareoff.the charges are more than double the credit limit " as if it were a payday loan '' but it was just a standard credit card.the investigation results say these were all updated, yet they are blank.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 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: Information belongs to someone else

Complaint: I SENT EXPERIAN SUPPORTING DOCUMENTS IN REFRENCE TO COLLECTION AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX THAT IS NOT LICSENSED NOR BONDED IN THE STATE OF FLORIDA WHICH IS A VIOLATION PER FLORIDA OFFICE OF REGULATION AND ADVISED THEM TO DELTE IMMEDIATELY

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 05-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, I closed my Capitol One credit card by phone, verbally. I then called them back on XXXX XXXX, 2015, because they were still adding interest onto my closed card card account balance. On XXXX XXXX, 2015, I wrote a letter to Capitol One stating and verifying that my credit card account was closed as of XXXX XXXX, 2015, and to stop all interest rate charges, I had this letter notarized, and I mailed it to Capitol One. I then called them for the last time, asking to be put on a remaining balance ( {$530.00} ) payment arrangement, they said no. So then, I logged into my XXXX online account, and saw that Capitol One had finally posted my remaining balance I owe, ( {$530.00} ) dated XXXX XXXX, 2015 in which I now will make XXXX $ /month payments on my own since they refused to me on the phone concerning a scheduled payment arrangement to pay the ( {$530.00} ) balance I owe. My point here and complaint is, I had to obtain and send a Notarized letter to them, or they would still be adding on interest money making the closed account balance larger which is illegal business practices, in closing, in reflect, I should and will in the future send a notarized letter dispute certified mail and the same letter regular mail ( XXXX ) and I will never ever have any more dealings with Capitol One. People are getting ripped off by these illegal business practices, word of caution, stay away from Capitol One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage was sold to Carrington Mortgage services by XXXX XXXX XXXX, They immediately raised our Escrow amount to " build a Buffer ''. Our Escrow has never been short in the 5 years we have had the loan. It is impossible to contact customer service and their payment information on line is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 am a victim of identity theft. Since XX/XX/2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.

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