milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. 

They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a 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 monetary relief
Consumer complaint received 01-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Capital one refuses to send confirming letter to provide to mortgage lender confirming that they sent a request to the credit bureaus to remove late payments from my credit reports. I have online chat sessions confirming they have requested it, but when I ask for confirming letters they do not want to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX & XXXX XXXX XXXX a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). I have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

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 04/20/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a closed account showing on my credit report in the amount of {$2600.00}. I have disputed collection with the so called creditor XXXX XXXX Online. They are alleging that I owe a balance to them when all of my schooling was handled by FAFSA and pell grants. Soon after disputing the account, I got a letter from General Revenue Corporation ( GRC ) demanding payment, so I called this company asking why I needed to pay them and if they would send me a copy of the contract they were attempting to collect on. I spoke to a XXXX XXXX an agent who was very professional and she agreed and stated that I did n't owe GRC anything. She then transferred me to XXXX XXXX who was a manager that was very rude and unprofessional, interested only on collecting and not verifying the debt or resolving the matter. I also asked her if she could send me a copy of the contract that she stated that she had, but she refused. I recorded the call as she asked me for personal information numerous times attempting to build on what little information they have besides my name. I declined just as she did when I was requesting the contract, in lieu of my identity being stolen by someone posing to be a legitimate company, providing suspicious documents that anyone could type up with no letterhead and no original signatures. XXXX XXXX informed me that the information she had was all she needed in order to collect on the debt, even though nowhere on the ( suspicious ) XXXX page contract do I give XXXX the consent to share my information with any third party company. The call ended when I asked her one last question about why they sent me XXXX page of the contract, and not the entire agreement that was signed with the so called original creditor XXXX. She ended up hanging up on me stating that she would put me in her system as a refusal to pay. Please help me gather legitimate documentation from the original party pursuing the debt, with support showing they loaned me funds.

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 07/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: I had an American Express Gold Rewards Plus Card.  I called Customer Service.  The representative said that I couldn't change, but that I could apply for a new credit card and cancel the Gold card.  I wanted a Green Card but the representative steered me towards a Blue Cash Every Day card even though I said I would be using the card as a XXXX or backup/emergency card.  He submitted for approval and it was denied.  This all took XXXX minutes.
I called a XXXX time immediately after to cancel the Gold Card.  The XXXX representative asked why and I explained that I wanted to downgrade to a Green Card but that option was not available to me.  She said it was and made the change.
I wanted an American Express card, but I didn't want to apply for a new credit because my credit isn't that good and I know applying for credit and getting denied further damages my creditworthiness.  I should have been able to downgrade from the Gold Card to the Green card with the XXXX representative instead of applying for a new card and getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I purchased furniture in XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX ( where the loan originated ) in XXXX XXXX, FL, both with affiliate bank loan agreements ( Synchrony Bank ). Together the loans totaled {$2200.00}. The first loan was supposed to be interest-free for 5 years if the minimum payment was made. The second loan had to be paid off entirely in 6 months. We made minimal monthly payments on both loans of {$85.00} per month total ( they combined the 2 loans into one account without our knowledge ). We were NOT made aware the loans were tied together. If loan 2 were not paid entirely in 6 months time, we would be paying off confiscatory interest at the rate of 29.99 % from day one on loan 2 (  only ). However, our minimal monthly payment was applied to the interest on loan 2, and the principal of loan 1, without our knowledge. Clearly the intent was to trap the borrower into being stuck paying interest on two loans since they were tied into one account together without my knowledge. That means 40 % of our monthly payment of {$83.00} is for interest only. We have been paying that interest every month since XX/XX/XXXX until today and for the duration of the loan. This increases the loan payoff period These are deceptive loan practices because they tied them together without our knowledge and the loan rates of 30 % is unconscionable ( usury ). As of XX/XX/XXXX Synchrony ( XXXX ) says we owe another {$790.00} in interest and {$1700.00} in principle, even if we pay it off entirely. If it is not paid off in total today we will have over {$3000.00} of additional in interest. That is much higher than the original principal alone. Acct No. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax was hacked and 143 million Americans, including me, had their personal information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting 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 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I requested copies of any documents in their files from national account system. After filing a dispute with the bureaus I received a letter saying they verified the debt and updated my file. I then send a letter asking for them to send any documents in their files that They used to verify the accuracy of the account I 'm dispute according to the law. I have that right to request. I also demanded that the account be properly verified or removed. They never verified or send the requested information that I send certified with their signature. So I send a letter to credit bureaus and the original creditors XXXX send a document of last activity XX/XX/XXXX-XX/XX/XXXX. They re aged my account and is still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories TransUnion, XXXX and XXXX XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

Sincerely, 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
Consumer complaint received 02/18/2017 about Credit reporting () with Credit Bureau of Jonesboro, Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Asked for validation about a dispute and received personal medical records. Obviously hipaa violation because I never signed hipaa release for 3rd party. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Medical) with Mnet Financial Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt to MNet Financial on XXXX for medical services earlier this year. I received a call from someone today, XXXX, saying I did n't pay it. I pulled up the information on my phone and gave that person the information that appeared in my bank account info showing it was paid. Because the information showed MNet 's phone number she said it was not sufficient to identify in their system. She said I would need to produce a bank statement. I am not going to send a bank statement with my personal information to this debt collector because their system is too antiquated to reflect that the payment was made was made SIX WEEKS ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My challenge is that there is a Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, why is it reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Debt Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage  with PHH Mortgage Services. We made a payment agreement and I was due to make a payment. However, when I went to make a payment I was locked out of the website payment method, and I was also locked out of the phone payment method. I attempted to call the servicer and left at least two messages with no return call. Something tells me that this business practice is not ok. Why would you lock out people that need to make payments? I am sending a check certified mail ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I have a major issue with J P Morgan Chase. I have been using chase for over 7 years including business, person checking and savings accounts. On top of that I have a business Credit card ( which I paid more than {$7000.00} in foreign transaction fees last year ) and XXXX personal credit cards. However, a person sent me XXXX different chase quickpay transactions from XXXX XXXX to XXXX XXXX for me to purchase a product for them, resulting in that person saving money overall. Now, that person claimed that someone without their knowledge logged in their account 6 times from XXXX XXXX to XXXX XXXX and sent me those payments without their knowledge. However, chase send each customer an email with confirmation for each chase quickpay transaction, also on XXXX XXXX XXXX of the payments failed to be funded and that person resent the payment after cornfiimg it was their mistake. 

This person claimed fraud, and because If the investigation I can not submit any evidence from my side, I have contacted chase over 12 times and was given a run around in the branch and over the phone. Today, my account is still frozen, I canny buy my kids groceries, pay my pills, get gas for my car. Chase does n't care about any of that, to them it 's just a process and a procedure, there is no one at the chase branch or over the phone that is willing to explain or give me an opportunity to prove that I am a victim of fraud. 

I hope someone actually reads this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was part of the Equifax credit information hack, along with half of all Americans. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an extremely poor job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/2016 unauthorized

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 03/18/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection of {$52.00} was placed on my credit report by XXXX XXXX. I contacted XXXX XXXX, the original creditor, who stated I have no current or past due balance with XXXX and they would contact Convergent to remove the entry from my report. This incorrect, negative information is still reporting on my credit reports.

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 12/14/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: MDS reported a medical debt with XXXX hospital to the bureaus. I did not give them permission to share this info, violation of XXXX. I paid the debt to creditor. I faxed proof of payment, I sent proof of payment registered mail. I disputed the amount with the credit bureaus that it was paid, and this company still confirmed to the bureaus that it is still owed when it is not. Violation of FDCPA, FCRA and HiPPA. Totally unacceptable.

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