milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PR).
Issue: Advertising and marketing

Complaint: I am an American Express client since XXXX. I have the Gold XXXX card and the preferred credit cards. During XXXX XXXX, XXXX they sent me an extended payment option for my gold card ( Given the Gold XXXX card it is a charge card, the remaining balance has to be paid at month end with the statement ). The offer also included the XXXX code for my personal offer details. Considering that I am a frequent traveler, I decided to enroll in the promotion, but apparently I could n't do it online. A customer representative told me that I could do it later, so I took her advice and pay my travel spending 's with the Gold Card. 
Week After I kept trying to enroll to register the offer since I was not able to pay the full statement balance at month end. During XXXX XXXX, XXXX I receive an email that apparently the offer was sent by error and I could not benefit from the promotion. Also they were constantly insisting to pay the whole amount even though I tried explain the situation. 
During XXXX XXXX, I contacted XXXX XXXX XXXX ( supervisor ) in efforts to solve the situation. She apologizes for the situation and promised that she will get back to me in 48 hours max, with a solution to this unfortunate misunderstanding. 
At today 's date, ( 6 days later ) I still have n't answer from her or related peers or manager regard the situation. I called this morning and no one is able to locate her or willing to assist me. 
I am very disappointed with this situation and I do n't want to affect me emotional nor economical. 
Please help me remediate this before it keeps affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is  perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807.  False or misleading representations,  ( 2 )  The false representation of - - ( A )  the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}.  Choice Recovery LLC  and the Creditor (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  ) has failed to provide proof of debt.  <P/> Whereas,  Choice Recovery LLC a nd their client (  XXXX   XXXX   XXXX   )  are making a false representation of the amount of the alleged medical debt.  <P/> They must provide the following  medical services : 1 )  Dates of th  e medical services.
2 ) What medical services did they provide.      3 ) Provide proof the medical services  rendered.    4 )  Copies of all payments made by me.    5 )  Copies of the insurance reimbursements.    6 ) Tot al amount billed to the insurance carrier.    7 ) Total insurance carrier  paid.    8 )  Copies of the copays.    9 )  Copies of the Co-insurance.    10 ) C opies of the insurance contractual adjustments.    11 ) Copy of the ACTUAL  insurance  carrier  reimbursement vouchers.    12 )  Copy of their insurance contract with the insurance carrier.  <P/> Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (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! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient was my student loan processor for the last 6 years. I have been trying to pay off a student loan since 2002. I was placed in several plans that caused a negative amortization. so at the end of that time period i owed more than the original amount. I then applied ( through Navient ) to qualify for a public service discharge of my loans. I spoke at length with a Navient representative and they placed me in a level pay plan ( automatic deductions ) that raised my monthly payment but also paid off. a little of the principle every month.This was two years ago. At the end of last year ; I was approved for the public service forgiveness program ( I have been a public school teacher since 2002 ) and my loan was turned over to XXXX. I kept making payments and last month I was told by XXXX that I was on the wrong payment plan to qualify for any loan forgiveness program. I started with XXXX in debt ( XXXX of which is interest on the original loan amount ) and after making 2 straight years of XXXX a month payments ( XXXX dollars ) I reduced my principal to around XXXX dollars. I was forced to accept the extended payout plan which according to XXXX would let me ; after XXXX on time payments ( 10 more years ) qualify for thier public service forgiveness program So now I pay monthly XXXX and at the end of 10 years I will owe more money because of negative amortization! ( the interest rate was raised to 7.5 %! ) and then I will only hope that I can get the debt forgiven ten years from now. This is the worst type of usury abuse and should be an embarrassment to all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed this debt had been placed on my credit  report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to  send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res  ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre  ctly, violates the FDPCA and their Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with Merchants' Credit Guide Company (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Default judgement signed on XXXX/XXXX/2016. First payment to be made assuming in XX/XX/2016. Employer received wage with holding order sometime in XXXX ( did not come registererd mail for accurate date ). Order dated XXXX/XXXX/2016. Funds were collected from XX/XX/XXXX-XX/XX/2016 pay period. The information placed on my credit bureaus are inaccurate as well as different depending on which bureau. Contacted the attorney general of TX to discuss. They insisted local office would have information pertaining to resolutions of this matter. Local offices suggest the Texas AG main office and have not provided anything further than what I received from the main state office. This should not be in my bureau and accurate data and time of payments due should have been correct prior to reporting this to all bureaus. I never received notification until I pulled my bureaus this was being reported. I have attached bureaus, wage with holding order received by employer, email documentation asking for resolution and clarifications, etc.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In regards to XXXX, I have never used their services. When I was in XXXX my neighbor worked for XXXX and we had our phones through her. She did have my info, so I'm hoping nothing negative came of this. She changed jobs when we moved from XXXX to NJ in XX/XX/2011. My address there was XXXX XXXX XXXX XXXX. XXXX NJ XXXX. 
Note I have never walked in a payment to a phone bill. I would like to see proof of an ID for purchase of these phones. They stated I walked in payments in ca to pay. We lived in NJ during that time. I believe we used XXXX XXXX in NJ for 9 mo before I moved to Sc then used XXXX ever since. I had terrible credit and no money in NJ so I was unable to get regular phone service after my friend ended our XXXX usage. 
Also since XXXX we always had XXXX phones, one for me and my XXXX kids. I have disputed this with XXXX before and nothing changed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: My name is XXXX, On XXXX I made a Western Union transfer in the amount of {$1000.00}, to my father XXXX residing in the city of XXXX, in the XXXX. When I made the Western Union money transfer, the clerk who assisted me gave me a receipt with a unique tracking number ( receipt attached ). I communicated the Western Union tracking number to my father who was surprised to find out that he could n't pick up the money I sent him. The agent at a local Western Union agency in XXXX informed my father that the tracking number did not have a transaction associated with it, and advised him to contact me in order to confirm it. I confirmed that the tracking number was accurate, and I called the Western Union customer service line to inquire about the issue. The agent I spoke with informed me that the money was picked up at Western Union agency in XXXX, by an individual who presented an I.D card and the right tracking number. I mentioned to the agent that whoever withdrew the money was not my father, and that I suspected a case of fraud. I asked for the reimbursement of my money and fee paid, but the agent said Western Union would conduct an investigation that would take up to 20 days prior to determining whether I should be reimbursed. 
I do n't think that it is fair that we, the customers, have to pay the penalty for a faulty system. I have paid for their service, but Western Union failed to deliver. Western Union not only failed to deliver the service it promised, but has also created an inconvenience for me and my father by making us wait more than 20 days before we could have access to our money. 

Respectfully, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had identity theft over 7 years ago, and had a detective submit information to XXXX XXXX on acct in Ohio. XXXX XXXX then sold the acct to XXXX XXXX XXXX, who keeps putting it on my acct over and over again. I give documentation from police and Equifax removes from Credit report temporarily after a 30 to 45 day investigation. then about few months later, they throw it back on my credit report again and again. Then Equifax says due to XXXX XXXX changing the original date and lying, they have to redo the investigation for another 30-45 days each time. This acct is over 7 years old and fraud acct, so no reason to ruin my credit score and chance at credit for a fraudulent over 7 year old acct. I have plead with them everytime to just not put back on my acct and they keep doing it over and over and helping XXXX XXXX collection agency. This is not fair credit reporting and I am so mad about it. I will go to media and get lawyer if this does n't get straightened out by Equifax. I have been patient for over 7 years and now its getting to be repetitive behavior with no heart to how they affect people 's lives or chance at credit. I pay my bills that belong to me on time and not fair to be punished over lies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please remove the following from my credit file as it does not belong to me : MIDLAND FUNDING LLC # XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX for Collection : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open AccountLoan Type : FACTORING COMPANY ACCOUNTBalance : $ XXXX Updated : XXXX Amount : $ XXXX Creditor : XXXX XXXX XXXX Due : & gt ; {$1000.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (I do not know) with Bayside Capital Services, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt unknown. I got a call from XXXX XXXX stating he had legal action against me. He stated they had " certified legal action '' to deliver to me. I called back and got and XXXX answered with only his name and Claims. I asked what company he was with and he stated Bayside Capital. I have never heard of this company and do not appreciate a company who has sent me no correspondence with me stating they will show up at my work or home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with Andreu, Palma & Andreu, PL (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XX/XX/XXXX, I received, from ANDREU, PALMA, LAVIN & SOLID, PLLC, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was ten years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only ten years old in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has been messing with my accounts for years. I have been paying on my accounts and the payments do n't seem to be going toward my balances. Or some are and some are not. On top of that I have a loan that my mother co-signed for and they refuse to give us any options on that loan. We have a ridiculous interest rate and it is making it nearly impossible to pay back. This is by far the worst company I have ever. Had to deal with. I honestly wish that I never went to school because of how hard it has become to pay back these loans with this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was in the middle of a medical crisis due to my  XXXX  before   XXXX   XXXX   and after   XXXX   XXXX  . I have made late payment twice this year due to my medical complications. Capital One gave me hard time waiving both late fees in both instances, they ended up waiving them. I made my most recent payment on the due date of   XXXX    XXXX , 2017, however it got processed on Capital one 's end the next business day, and was considered late since according to Capital one I did n't make it by the cutoff time of   XXXX   XXXX   ET. The disclaimer regarding the late fee on my statement clearly states the following : " LATE PAYMENT WARNING : If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to {$35.00}. '' I have a screen shot for this part of the statement, where the late fee mentioned once in that one statement only, exactly as stated above.
If the statement said [ If we do not receive your minimum payment by your due date & the deadline of   XXXX   ET., you may have to pay a late fee of up to {$35.00}. ] Then I have no excuse to get the fee waived and I am responsible for it in that scenario.
 XXXX 
Their statement regarding the deadline of  XXXX  ET is located above the new balance amount and the payment due date, separated from the LATE PAYMENT WARNING statement.        
In  XXXX  vocabulary, when we specify date it means day of the month & year excluding the " time '' of day.
 XXXX 
Capital one refused to waive it even though me and my husband offered to send them the PDF document that has the time stamp that proves the payment was made on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Colony Brands, Inc. (NJ).
Issue: Problem when making payments

Complaint: I originally had an issue back in XXXX 2017. I had to file a better business bureau complaint which ca n't be pulled up since time frame has passed. It has been fine but now once again same exact issue. I make my payment, I get a confirmation page saying payment went through, funds were available for them to take and they even sent an email stating your payment has been received. The following months bill says I am late and then they added a late fee. Unfortunately I am in such a financial bind that I pay on a credit card then I make my payment with them. I figured out back in XX/XX/XXXX which card it was and they never attempted to even charge my credit card. Last time I paid it and I believe they waived the late fee. They caused me to even go over my credit limit back then and yet again they are doing it to me. I even take a picture of the confirmation page stating thank you for your payment. At this point I want my account closed with a {$0.00} balance.somehow it seems to me that this company is trying to do something shady. They do n't even report to reporting agencies except if you are late or do n't pay. If I would have known it was building my credit like a XXXX account I would have never opened it to begin with and now this, they had there one free chance with me and still had to put a complaint back then with the better business bureau and was n't resolved completely and still obviously has n't. They do n't even contact you after sending email stating received payment advising that payment did n't go through or had a system issue. No contact at all. Also I would request that you earn consumers about this company as I feel they are fraudulent.

Company response to consumer: Closed with explanation