milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from XXXX stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXXThis company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Credit card) with Platinum Holdings Group, LLC (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: collection agency called my place of employment and asked receptionist to transfer them to my manager. Company proceeded to interrogate my receptionist until I was able to take the call. Once I spoke to the rep he yelled at me stated he was in process of garnishing my wages and filing a lawsuit unless I paid {$500.00} of a {$700.00} debts that is over 6 yrs old. If I did not agree to terms they stated I would be arrested at my job. I tried explaining that this was the first time I heard of this debt. Person continued to yell and when I asked for their name and name of supervisor I was told that I need to learn to pay my bills. I asked the rep to stop speaking to me in that manner and he continued to talk over me and yell. I explained that I had never been contacted on my personal phone and even provided number and rep continues to call my employer asking to speak to anyone who works with me. They also threated to call my HR director to tell her I do not pay my bills and start garnishment process. They even said everyone in my agency will know I do n't pay my bills. I got very upset and told person on the phone that I can not continue to speak to someone so disrespectful and hung up. The company kept calling me back and yelling at me. I have never in my life been spoken to this way. I am concerned as they stated they are calling back to speak to the head of my company. Company wanted me to set up payments of an amount I could not agree to and I was told " What is wrong with you? You ca n't afford {$70.00} bucks a month and you work. What kind of job do you have. '' At this point in conversation I declined to speak to them and hung up. they have since called my place of employment 3 more times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have a XXXX XXXX card which, if I pay my statement online, allows free Fico score. 
When I set up my payment this month I checked the Fico score and found that w/o warningit had dropped from near XXXX to XXXX in one month. I have spent 3 days trying to found out whyand have been all over the internet. YES, with the big XXXX! They want you to fill out and givethem everything but your birth certificate and then at bottom near submit button and in fineprint, they want a monthly fee! There is a form you must download and fill out and send inbut I can NOT get a full copy ; I have tried to turn it clockwise, counterclockwise, shrink it ; ETC. 
Still can not get full copy. It may say FREE but you finally give up!!!! I am XXXX years old ; I cannottake this anymore. I just want a FREE credit report!! Oh yes, XXXX of the big XXXX say mycredit report is NOT available online, hence the reason I have tried to get a form to fill out. 
And I need to see a report as I have NOT opened any new accounts, all my bills are paidonline monthly and I have checked my credit cards and do not see any unusual activity. 

PLEASE, PLEASE HELP ME!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with Phoenix Financial Services LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kept calling my using multiple numbers multiple times a day even after I told them that I did not order services from the place they say I owe money to. I finally got it to stop, by blocking all of their numbers.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows 4-5 separate loans from Navient with unsatisfactory payment history. This has adversely affected me and is now preventing me from obtaining housing. 

In XX/XX/XXXX I experienced the devastating loss of my education due to XXXX XXXX school closure. Since that date, I have fought with the Department of Education, XXXX XXXX and Navient to relinquish the student loans. In XX/XX/XXXX I wrote the State, Local Government and the White House to enlist assistance in requesting the compliance of the Department of Education, and Navient. Afer involving additional parties, the loans were relinquished due to the school closing however, the late payment history is still reflecting on my credit report. I have requested that payment history be removed from my credit report and have not received any form of assistance in this process from Navient or the Department of Education. 

I am requesting that all payment history be removed from my credit report as their was never a debt owed to the Department of Education, Navient or XXXX XXXX. I was unable to use the education I obtained, did not receive a diploma for the education I completed or any form of benefit from attending school at XXXX XXXX. I was unable to receive employment as a result of the school being unable to provide any forms of documented proof of externship or completion. I feel that i should not be held responsible for payment history on an account that did not provide services. I have taken a devastating loss of my education and have been forced to pay for and complete courses through a XXXX  college to obtain the education I previously obtained through XXXX XXXX. I attended over a year of school with ACT college while pregnant with nothing to show for it but non-payment history of a loan that should have been relinquished in XX/XX/XXXX. 

I am requesting your assistance in gaining the compliance of the Department of Education and Navient to remove all history of the student loan from my credit report. It is unjust that I am penalized for the school closure when I upheld my responsibility to ACT College. ACT college could not/did not provide me with the services I was being held accountable to pay therefore, the late/non payment history should be removed from my credit report. Thank you for your assistance in resolving this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.

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 01/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I recently travelled abroad and was charged {$400.00} in bank fees by Bank of America for XXXX transactions for using my debit card for my checking account abroad. When I approached the bank after returning from my overseas trip, I was told that this 3 % transaction fee was listed in my account disclosures. I vividly recall the conversation I had when opening the account where the bank representative clearly stated the account would have no fees but failed to similarly clearly point out that however there would be a 3 % transaction fee for any international transactions on the debit card. I believe this is a deceptive practice, and not everyone is well versed enough to read all the fine print and disclosures to understand that these fees will occur. Had the representative made these transaction fees clear when I opened the account, I would have found an alternative method of paying for those transactions abroad. The bank refused to refund these fees on this basis, and I believe this is a deceptive practice and my fees should be returned.

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 03-09-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance on my condo with my current lender, Bank of America, in XX/XX/2016. 20 year fixed rate on an investment property condo, 3.75 % fixed rate. During the underwriting process, it was discovered ( by BofA no later than XX/XX/XXXX ) that there was an insurance coverage issue with my building. They did not notify me of this problem until AFTER the appraisal had been completed ( XX/XX/XXXX ) and I called them ( XX/XX/XXXX ) and it was too late to cancel/reschedule in order to avoid a {$690.00} appraisal charge. At no time was I notified of any other issues/problems with the underwriting of the loan by anyone affiliated with Bank of America. It was n't until I called the loan officer on XX/XX/XXXX to inquire about the status that I was then notified about the problem. On/around XX/XX/XXXX I received a notice that they denied the loan due to this not being resolved. I was able to facilitate/coordinate between the lender, HOA, and building insurance to resolve the coverage issue on XX/XX/XXXX, despite there being 3 national holidays and during the XXXX and XXXX season. Had I been notified earlier, this could 've been resolved and my loan would 've closed. I have lost over {$690.00} in appraisal fees and the rates for a comparable loan are at approx. 4.50 % or higher now. This will ultimately cost me thousands of dollars in interest over the 20 year term. I have tried my best to work with BofA before filing this complaint and they have been non-responsive since XX/XX/XXXX. I have called multiple times and emailed without any response whatsoever. They claim I lost rate locks, but I was never notified of this or any other delays.

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 05/30/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect names and address as well as employers name totally mispelled.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Medical) with NCSPLUS INCORPORATED (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not know what is this bill for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 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: Equifax refuses to delete multiple unauthorized inquiries from my credit report. There are multiple inquiries from the same company. The unauthorized inquiries must be deleted.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found 6 accounts has been listed wrongfully by XXXX, XXXX and EQUIFAX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a student of XXXX College XXXX XXXX, XXXX, California before its closure on the XXXX of XXXX, 2015. During the course of my stay at XXXX XXXX Loans were obtained. I have been paying the monthly bills up to XXXX, 2015. 
I received a letter from University Accounting Service, LLC of the transfer of the loans, however not all the loans. Please, assist me in this situation. Are all the XXXX Loans in the Loan forbearance? Do I still continue to pay the required bills? Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently had a credit card cancelled due to information in my Equifax report. I have attempted to request a copy of the report through the Equifax web site, and find that although Equifax claims that you can request a report under these circumstances from the site, it is difficult or impossible to do so and Equifax steers you toward purchasing a report. Information on how to obtain a free report through the site is hard to find and results in broken links when you do find it.

Company response to consumer: Closed with explanation