milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with RMA Credit Association (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with TrueAccord Corp. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other fee

Complaint: I attempted to purchase a flight using XXXX credit card points system but it was trying to charge me the full value of the points AND cash for the flight, so I booked the flight through Chase 's my ultimate rewards system with the points associated with the card. For some reason, my united credit card and miles plus number did not register with the ticket and as a result my bag was assessed a {$25.00} fee. I called to raise the issue with XXXX who referred me back to Chase who referred me back to a gentleman at XXXX that told me he would refund the charge to my account. The call was disconnected while he was finalizing the refund. I called back chase and XXXX, but neither would reconnect me with the gentleman who was resolving my issue or honor the refund that the gentleman I spoke to assured me I was entitled to and which he was going to process. Instead, they passed me around to numerous departments that had no idea how to process the refund and said I needed to speak to someone else. The final person I spoke to refused to do a refund. XXXX and chase conspired to prevent me from receiving a benefit they said I was entitled to by making it impossible to connect to the person that was handling it already and playing a game of pass the potatoe so that I would go away due to being annoyed and frustrated and they would keep the bag fee I should not have been assessed in the first instance. I had to book with my rewards because that is what the XXXX customer center said was the only way to do it thru points since the booking was 20 days out when made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
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: Hello I have requestion for validation of this debt through XXXX and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX XXXX. 3 Reporting Credit Bureau 's ( Experian, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

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 12/13/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I did a dispute two weeks ago as well as last week regarding creditor XXXX XXXX advising that the status was showing to be under the incorrect status of ''Open '' and not closed. I received the update to my credit report on XXXX/XXXX/16, but since then the credit reporting agency has placed this account back on my credit report as of XXXX/XXXX/16 & XXXX/XXXX/16 as open. This account should reflect in the paid status as before listed on the attachment stating ''Equifax report XXXX on XXXX/XXXX/16. This has caused several plummets to my credit-score due to this account looks like the account is still open and active I have attached the credit report for XXXX/XXXX/16 showing the now ''incorrect status '' and the XXXX/XXXX/16 report showing what the report was and should be for this creditor and appearing incorrectly now. I have also attached a phone conversation between myself and equifax management advising me on XXXX/XXXX/16 that this matter had been completed but it has not been completed and report is showing updated with the same information as before.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, the interest rate of this loan is variable and it 's never dropped below 10 %. I asked for Navient to give me a break on the interest because for as long as I 've been paying into this loan, its principal balance has n't dropped. I am not able to pay into it as much as I 'd like because I have hardships mainly due to my medical expenses ( XXXX ), but that 's not something they consider. There 's been a lot of time and money lost between now and when I got signed on with them and I have n't got anywhere. After several emails and phone calls with them, they 've refused to give me any help paying this off. There was a time where I could n't pay into it at all and they were calling me relentlessly, at work especially and late in the night when I had already gone to bed, switching between XXXX numbers and private numbers. Of the options given below, I can only choose one, but the list below better describes my issue. These arent all of them. 
1 ) Ca n't repay my loan. 
2 ) Dealing with my lender or servicer. 
3 ) Received bad information about my loan. 
4 ) Getting calls about my loan. 
5 ) Having problems with customer service. 
6 ) I ca n't repay my loan. 
7 ) They wo n't refinance my loan to help me out. They 're perfectly fine with me paying them interest for the rest of my life. 
Thanks for any help that can be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Problems caused by my funds being low

Complaint: My account was charged for XXXX insufficient funds fees charges this morning. Over the weekend, my XXXX fee was withdrawn and left me {$98.00} overdrawn. ( I did not know banking happened over the weekend ) On Tuesday morning chase bank chose to charge me for the overdraw of XXXX smaller charges, XXXX of them {$22.00}, which is less than the overdraw fee itself, XXXX for less than {$35.00}, which is less than a dollar over the overdraw fee itself, and XXXX for {$55.00}. The reasoning they gave me is that they handle the largest charges first and something about pending charges versus cleared charges. None of the charges are pending to me since they remove the money from my account the second the charge comes in. The money for all of these charges was deposited on the first banking day as it is always deposited in the many years I have banked with Chase. In addition, the smaller fees would have been covered until the XXXX fee - so the insufficient funds fee was valid for XXXX but not for the smaller fees. The XXXX fee happened over a weekend when there should be no banking anyway. I have called Chase to have the fees reversed and they refused. I spoke to XXXX different people, the last being supervisor XXXX who 1 ) said she tried to reverse but the system wo n't let her because I 've gone past my courtesy limit this year 2 ) I asked her which regulatory agency I could complain to because this is corporate theft, and she told me she is the XXXX I would complain to. I asked her again to tell me who regulates banks and she said she understood and was very sorry but did not recommend a regulatory agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Capital one 's collection agency keeps calling me non stop. I lost my job and in the interim I thought my business would take off and it has n't yet. This has been going on for several years before my son passed away in 2013. They sent me emails pretending that they were the XXXX of VA and I have a warrant out for my arrest? Plus they had someone call my cell phone saying he was XXXX and he was coming within 24 to 48 hours to give me a summons? The bill is around XXXX dollars. I want this game over.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Problems when you are unable to pay

Complaint: I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.

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 03/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was placed 2 payments in a month, and call the nelnet to check that why it took long time to process the payment the represantive told me that it may take 4-6 business days, and everything alright with the checking account. I even received an email saying that payment is successful, then a few days later I received another email saying that check the bank payment did not go through. I called the bank everything is good, they did not even try to make attempt for payment. I came with the idea that they do n't want you make 2 payment in month because they want all the interest they can get from the borrower. It is so unfair, I am working in XXXX jobs to pay back my school loan, and they are trying to rob me!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
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Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
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Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i disputed with the credit bureau as well as with the creditor and the credit bureau responded with a letter stating the accounts was verified. I counter responded back asking for proof of verification and validation. No other response has been giving nor any documentation. I 'm assuming that there verification was someone looking at a computer and saying this is my account which is unacceptable. It has now been well over XXXX days and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint previously against Pentagon Federal Credit Union, Case # XXXX, which resulted in a response from XXXX stating that Pentagon Federal Credit Union would reduce the interest in the amount of {$540.00} for 2016. This was in response to my complaint of extra payments not applied toward principal as per my request. I believe that the {$540.00} should have gone into principal and not in a reduction of XXXX XX/XX/XXXX, I received a letter stating that a new escrow analysis revealed a shortage of {$520.00} over 12 months which I paid in order to keep my payment at XXXX. XXXX is not applying payments correctly online as per customer request. I have to call to have them correct it on a consistent basis. I made my XX/XX/XXXX payment {$10.00} over the XXXX XXXX {$950.00} XXXX payment as per XXXX on the letter dated XX/XX/2016. The {$10.00} was not applied toward principal. This is after flagging my account to service it correctly.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education  Account, and they are not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers ar e : " Sorry, We  ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Auto debt) with FC HoldCo LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and 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 09/20/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Second Round Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  CRACCEPT/CAC   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details CREDIT ACCEPT CORP/CAC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  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 explanation