milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 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: Was not notified of investigation status or results

Complaint: On   XXXX   XXXX   XXXX    , I forwarded a request to Equifax to provide verified of listed items or for them to delete them from my credit report. As of today,   XXXX   XXXX   XXXX    , I have yet to receive any results of any sort. On the letter to them, I included my address as well as copy of my ID and SS card to show proof that all my information matched and to confirm my identity. It has been over the 30 days they are allowed to send the results back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Non-federal student loan) with Lazega & Johanson LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Lazega & Johanson LLC ; did not reach out to me before they moved forward and filed a law suit. I responded to Lazega & Johanson LLC ; to try to set up a payment plan for case ( XXXX ) in GA. They moved forward and opened another law suit to take my pay, after I sent over XXXX letters from XXXX to XXXX requesting a payment plan. I called the office today on XXXX, and XXXX XXXX told me that they did not have to respond to my letters for a payment plan. I then remember that another law office by the name of XXXX XXXX and XXXX has been taking payments for over a year. 

Lazega & Johanson LLC did not reposne to any of my written request and moved forward to garnish payment when I asked for a payment plan, prior to, the garnish payment file to the court. 

Now I submitted the the order from the case that was resloved ( XXXX ), They are rude and not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: The credit issuer ( Chase ) continues to charge me APR ( 29.99 ) Fixed with no justification for doing so. Average monthly interest charge under these current condition 's of a least {$200.00}. I have been current with my payments2nd issue since XXXX/XXXX/2015 the issuer has changed the way they allocate payments. From XXXX/XXXX/2015 minimum payment will be applied to the higher APR balance therefore yielding less of a deduction in your remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Money was refunded and accepted from XXXX XXXX to a closed account through a debit card that was used for initial purchase. Wells Fargo states they accepted the money but then re-routed it back. XXXX did not receive the money and Wells Fargo will not provide any routing information or proof that they did this. XXXX has provided me with documentation that the money was accepted by Wells Fargo. Wells Fargo will not return my calls from the debit card office. I have dealt with a local branch manager that was trying to help me with this and ended with him just trying to assure me that the money was returned. The amount was {$420.00}. The money was sent to Wells Fargo on XX/XX/XXXX. Initial purchase date was XX/XX/XXXX.  Account at Wells Fargo was closed XX/XX/XXXX and debit card was removed from XXXX account by me shortly thereafter. I was told that refunds will be sent to the initial card it was charged on despite it being closed by customer. Both sides deny they have the money yet one of them does. The next step was that I filed a complaint with the Federal reserve and almost immediately got a call from the division of debit cards for Wells Fargo which I had left countless voicemails to without return calls. An employee, XXXX, was very helpful and placed a 3-way call to XXXX to resolve this. I was on the phone with her, someone from XXXX that she had called and we were transferred around until we got a manager from a call center that finally just stated that they would send the money in a check and that I would receive in in the next 15 to 25 days. I thought this was resolved until I never received a confirmatory email and of course never received a check. I then called XXXX and through several transfers got to a regional manager that stated that they have no record of the call, no check issued and stated that XXXX has a strict policy and would have immediately disconnected if they were ever on the phone with some bank employee. They again told me that Wells Fargo never routed any money back to them and it is likely in an account for unclaimed funds through Wells Fargo and they need to find 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 04/19/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (OK).
Issue: Problems when you are unable to pay

Complaint: Whenever I am 24 hours or more late on a payment the Conns, company, auto dialer repeatedly calls me ever couple hours with an average of 10 times per day or more. This is excessive and I consider these actions harassing. I understand an attempt to contact me once a day with a voice mail message if I do not answer should be sufficient. This company calls me twice in a row every two hours starting at XXXX. I have blocked the number calling me and they change it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I purchased my home in XXXX XXXX and took advantage of a 6-month interest free financing promotion offered through the Home Depot Consumer Card. I made regular on-time payments to the account and decided to pay off the entire amount before the promotion period ended on XXXX XXXX, XXXX. I inquired whether the promotion period could be extended for a short time and was granted a 20 day grace period, i.e., until XXXX XXXX, XXXX, to pay off the balance. To ensure I paid the full balance and to avoid any possible confusion, I requested that a Citi Financial representative provide a final pay off amount. The representative provided to me the exact balance of {$4500.00}. I also asked that she make note of the quoted pay off amount to prevent the very situation I am currently facing. On XXXX XXXX, XXXX, I paid the entire {$4500.00}. Notwithstanding this payment, on XXXX XXXX, XXXX, another Citi Financial representative informed me that there was an additional {$530.00} that remained on my account. When explaining the error, she suggested that although each of my purchases met the 6-month interest free promotional threshold, Home Depot/Citi Financial charged my account separately for an online purchase where all items were ordered and purchased at the same time but shipped separately. The total online purchase met the {$290.00} promotional threshold. She further noted that Home Depot/Citi Financial would have corrected the accounting error if I had informed them of the error within the promotional period ; but by her calculations it was " too late. '' The promotion period was extended until XXXX XXXX, XXXX. Thus, by the representative 's statement, Home Depot/Citi Financial could have corrected the accounting error since my inquiry was made during the promotion period. The heart of my complaint, however, pertains to the the false representations made to me by Citi Financial regarding the final payoff amount. Citi Financial misrepresented the amount and character of the debt owned. I recently filed a complaint in this matter with the XXXX but Citi Financial refused to correct its error and the complaint was closed without further investigation. Citi Financial admittedly quoted me a final payoff amount of {$4500.00} but suggests that this was only the principal balance. This too is a false representation. The final interest free promotion was not included on any of my billing statements. For that reason, I expressly requested a FINAL pay off amount from Citi Financial and was quoted the {$4500.00} figure. I have paid this amount in full and am now being asked to silently accept the financial penalties borne from Citi Financial 's error.

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 05/26/2015 about Debt collection (Medical) with Strategic Alliances, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX ( Hospital ) failed to submit a claim to XXXX XXXX XXXX for reimbursement in XX/XX/XXXX when I was on XXXX in the military. In XX/XX/XXXX, XXXX representative said the Hospital can resubmit the claim for payment. The hospital representative was contacted to resubmit the claim. A document was requested either by First Financial Asset Management or the Hospital pertaining to my case. The form was sent per their request. The hospital sold the bill to an outside collection department instead on resubmitting the claim. First Financial have XXXX XXXX XXXX attempting to collect the debt. The bill is XXXX and will settle for {$240.00}. I 'm required to pay a bill the hospital fail to submit to XXXX now owed by a collection organization?

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: American Express and Delta Skymiles Program sent me an invitation to apply for their card and as a bonus offered XXXX skymiles after a {$1000.00} spend. I applied, got approved and spent a {$1000.00} with 2 months. 

Now, Amex is refusing to post the miles on the pretext that i was a member in XXXX and got the miles. 

If Amex had my SSN # and prior card membership, why was I sent the invitation again? 

This is a BAIT and they are defrauding consumers. 

I called XXXX and spoke to Supevisor XXXX, at XXXX EST on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (RI).
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: I submitted a complaint to CFPB ID NO. XXXX sent to XXXX XXXX XXXX ; however, one of the vacuums purchased and returned to the merchant and he has both of them and did not issue a credit so has both vacuums and my money ; is on XXXX XXXX but I did not get to add that credit card so I am sending the disputes I opened with XXXX XXXX XXXX and XXXX. I am sick and now having XXXX on my XXXX XXXX for XXXX XXXX on XXXX XXXX and I am very ill and have no resolution to this and after XXXX I am going to be unable to do anything. He has both vacuums totalling XXXX plus XXXX for a total of 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 12-11-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Other

Complaint: I have reviewed my credit report and noticed some errors being reported by Discover on my credit file. I disputed the errors with the bureaus and Discover verified them even though that each bureau has different information. On XXXX/XXXX/16 I then sent a letter to Discover asking for documents to review and verify information reported and they ignored my request. On XXXX/XXXX/16, I sent another request to where they replied with a letter stating the account was settled in less than full and everything was reporting correct. Unfortunately it is not the case, the information being reported is different across all XXXX bureaus. I am not disputing if account was settled, I am disputing the accuracy of information reported as afforded to consumers by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Late fee

Complaint: Being charged late fees when multiple payments were made during the month and once was before due date. Several times this yr I have made payments during the month that are being credited for the previous month. This has caused my payment for the current month to be late. Example in XXXX I made a payment that was accredited to XXXX because the payment was mad XXXX XXXX. Also in XXXX I made a payment on XXXX XXXX and it went towards XXXX, meanwhile I made a payment XXXX XXXX that went towards XXXX however I still got a late charge for XXXX. My XXXX Payment was made on XXXX XXXX however if I dont make another payment I will be considered late in XXXX. If this issue were clearly explained at any time, it could have been corrected months ago. I am certain Chase Credit card company is charging many people multiple late fees when payments were made more than once a month but considered late due to date received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuously received calls from multiple area codes

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Agency : XXXX XXXX Behalf of : XXXX XXXX XXXX The initial delinquency occurred in XX/XX/XXXX however, the credit agency states that the account initially went delinquent in XX/XX/XXXX. They have falsely rolled forward the dates of the delinquency which has the debt appearing newer than it should. I have opened a dispute with the credit agency and have called them directly and they state that the delinquency was accurate but the billing submitted by the original company shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (VA mortgage) with The J. G. Wentworth Company (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My Loan Servicer JG Wentworth did not pay my property taxes at all. Payment was due XXXX XXXX and penalty was due if taxes were not paid by XXXX XXXX. As of XXXX XXXX, the property tax is still unpaid. My escrow account information still shows the full balance.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have  disputed. Please resolve this manner as possible.

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 12/26/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I returned a XXXX XXXX XXXX in XX/XX/XXXX. The lease was not up until XX/XX/XXXX ; however, I returned it early in connection with leasing a new vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. Both leases were through XXXX XXXX XXXX. 

The dealership promised to pay all remaining amounts due on the lease ( excluding excess wear and tear ). I received confirmation several weeks later from XXXX XXXX XXXX that no further amounts were due on my XXXX XXXX when I received the next statement that showed a XXXX  balance. 

In XX/XX/XXXX ( 5 months after returning the vehicle ), I received a bill from XXXX XXXX XXXX for {$310.00}. There was no documentation explaining why I owed this amount. I tried calling XXXX XXXX XXXX but could not get through. I left a message but no one ever returned my call. This was the first I ever heard that any amount was owed on my XXXX XXXX. 

Approximately, 3 weeks later, I received a call from a debt collection agency ( XXXX XXXX ). I explained the situation and told them that I was contesting the bill. They said they would put it in for challenge. I did not hear from any one again until XX/XX/XXXX when XXXX XXXX called me again. I once again told them that this was to be challenged and they told me they would come back to me. 

I finally received a letter on XX/XX/XXXX from XXXX XXXX. It included a description of amounts charged by XXXX XXXX XXXX and amounts paid. It ends with a balance of {$310.00} ; however, it never explains why these amounts are owed ( e.g. missed lease payment, fees, damage to vehicle ). It also claims this letter was sent to me on XX/XX/XXXX ( 4 months after lease termination ) ; however, I never received it.

On XX/XX/XXXX, I was finally able to reach someone at XXXX XXXX XXXX. They told me the amounts owed are for a missed lease payment. I explained to them that the dealership had agreed to pay all go forward lease payments. They told me " that was my problem '' and tried to connect me ( again ) to XXXX XXXX. I called the dealership and they told me that all lease payments were made. 

XXXX XXXX XXXX has submitted this issue to credit agencies and damaged my credit score.  They have also told me I owe money on a lease ( 5 months after lease termination ) but never provided me with any disclosure as to why I owe this money. They also will not even discuss this issue on the phone with me. I would like to know whether this is truly my obligation to pay and would like my credit score repaired. I would also like to make sure that XXXX XXXX XXXX provides full, adequate and timely disclosure of amounts due by their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with Medical Business Bureau (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Medical Business Bureau sent me a bill for {$93.00}. I did not recognize the bill and did not believe that I owed the debt. I requested in writing validation of the debt, I also followed up with a phone call. This company has never provided written verification of the debt. They are violating the Fair Debt Collection Act, which requires them to provide debt verification after a consumer requests it. Medical Business Bureau is violating this act by refusing to provide verification of the debt. The act states : " the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. '' I never received this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Medical) with Professional Credit Management, Inc (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I first discovered this from a statement from XXXX XXXX / Synchrony Bank dated XX/XX/XXXX for a charge from Belk Reward Card for $ XXXX.I I have never received any form of a bill or statement before this. Then I found out thru my XXXX credit report that the charge was reported as a negative on my credit report. Furthermore XXXX said the original charge was not reflected on my credit report until XX/XX/XXXX for {$74.00}. They said it was charged though back in XX/XX/XXXX. The late charges were being added thru the years to this account when I never once received a notice or bill until XX/XX/XXXX. 
Then to clear my account I made the mistake of paying this in full without my knowledge of these late charges or even who actually charged the original {$74.00}. Synchrony Bank told me if I paid in full it would be removed in 30 to 45 days from my credit report.I paid with a XXXX XXXX debit card in full the {$330.00} XXXX. I am disputing who made the charge and why I never ever received a statement until XX/XX/XXXX.I was then told by them it would be 7 to ten years before it would be removed. I pride myself on my almost perfect credit score and feel this is definitely some type of fraud that I would like to dispute.Please help me with this process Thank you, 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