milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (FHA mortgage) with Altisource Portfolio Solutions, S.à r.l. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency.

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 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Check sent then company send check back stating account was overpaid but account remained in collections for no known cause.

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 02-10-2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with D&A Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: recording asked for XXXX almost daily

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I went into a Bank Of America branch. I made a deposit via Atm, I also changed my pin at the atm. While finishing up I searched for my debit card and could not find it. I traced my steps and checked all my pockets. As soon as I noticed I could not find my card anywhere, I noticed bank of america customer service. When I called the customer service rep told me that I just withdrew XXXX dollars out my account via bank teller. This was a transaction that I never did. I filed a claim and contacted the bank that I just left. A bank teller stated that he thinks I was shoulder watched and that someone pick pocketed me at the atm. My claim was denied and a no one ever notified me from bank of america.

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 10/22/2016 about Debt collection (Medical) with Choice Recovery, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: According to my credit report Choice recovery indicates I owe a medical bill from XXXX medical physicians. 
I have never been to this place nor have I ever received a bill from this place or Choice recovery. 
They also have a unknown address on my credit report and they ca n't forward documentation to prove this bill nor can they provide me any documents with my signature. 
I never knew anything of this debt until checking my credit report. I 'm trying to purchase a home and this is the only thing preventing me from doing so. 
I would appreciate your prompt attention.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 05/27/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease

Complaint: We own a XXXX Buick Encore & the check engine light has come on for the second time. The tac meter is sticking & the gas pedal does n't want to accelerate. I worry that when i am trying to press on the gas pedal the car will just fly forward when I am trying to get it to go & cause an accident. The dealer can not figure out what it is??? Should this car be recalled for this? If any one else is having this issue??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with CAB Receivables, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Cab Collection Agency placed a charge on my credit report after sending me one notice. I then called XXXX ( who forwarded the information to Cab prematurely ) making payment arrangements and making sure insurance information was correct. XXXX said they would take it out of collections and bill it properly. They did not contact the collection agency about the payments I was making and they did not bill the correct insurance provider which led to it being sent to collections in the first place. And when I brought this up to Cab they stated that they could only remove it from my credit report if XXXX tells them to or if I fully paid the account. Cab should have also done due diligence to ensure that the accounts they receive are only sent after the company has not had success with the patient. I was doing my part and they should n't have been so quick to send it to collections without verifying the debt, communications with the patient, etc. Cab Collection Agency also should have had the " please see the reverse side for an important consumer notice '' at the bottom instead the middle of the page to prevent the right to dispute information being overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian Complaint # XXXX Response on XX/XX/2018 Experian has yet to provide proof of balance as I have uploaded the document from XXXX XXXX XXXX. Nor has Experian provided any proof of any from XXXX of the amount of the loan. Experian has not provided any proof of XXXX being the original owner of the requested loan. 
Experian states that they have the loan amount right as stated by Experian of {$24000.00} in which is wrong and I have the proof of the document from XXXX XXXX XXXX of the loan being {$25000.00} so how is Experian response right as they claim but have no supporting documents from XXXX XXXX XXXX as proof. As Errors in the reporting you cant say XXXX legally unless you have documentation that they were the original owner of the loan or provide documented proof of the said loan. XXXX XXXX XXXX is the owner of the original loan not XXXX. Experian needs to provide me documented proof of the documents. XXXX XXXX Cleary states on there letter they did not report this loan and Experian has XXXX/XXXX XXXX XXXX on my credit file so 2 company 's cant show one reporting and the other on the same trade line but one provided proof and as of yet Experian has yet to prove or provide documents as XXXX XXXX XXXX. I did not sign any loan agreements with XXXX nor has Experian Provided any proof of this in any way. Experian has not provide any proof of the loan amount as they show as {$24000.00} when in fact my documents show XXXX in which by law is no correct nor right and violates my rights of a debt not showing correct or document proof from Experian other wise to prove me wrong. As XXXX stated in there letter they did not provide delinquency information to the credit reporting agencies. I have yet to see any documents from XXXX as the loan original owner or documents from Experian there cant be 2 loan company 's on the same trade line one reporting and the other one is not but XXXX is not the original owner nor has Experian provided proof to me as they are or any documents. As the loan was adjusted it not correct so there for the loan is in 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 explanation
Consumer complaint received 01-03-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MS).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016, I was in XXXX Louisiana and had my debit card stolen along with my cell phone. My banking institution is JP Morgan CHASE. Because I " did not '' have my phone with me I was unable to call the " Chase customer claims department '' XXXX and report that my card was stolen. On XX/XX/XXXX I returned from XXXX back home I attempted to log on to my bank account and find that the funds that were in my business checking account word depleted in the amount was {$11000.00}. I proceeded to call " Chase customer claims '' to report the fraudulent activity. I was advised to submit a claim to their fraud department and also fill out an affidavit regarding the fraudulent charges. I was also advised to reach out to the merchants who received the fraudulent charges and the primary merchant was XXXX. Based on recommendations from chase I was told to file a claim with XXXX as well as file a police report which I did and sent back the information to the chase customer claims department. After submitting all the requested information I was told by " Chase customer claims '' that the claim was denied based on inaccurate information. I asked what " inaccurate information '' means and what could I do to help have this fixed. I was told that they could not tell me that information, and that my best option was to have the claim " resubmitted '' for a second look by upper-level management. After waiting the standard 2 day reply from " Chase customer claims department ''. The claim was denied once again. 
Because the funds were in a business checking account and ultimately belong to another firm. We needed to take action immediately to resolve this issue. We were told time and time again to resubmit the claim to " Chase customer claims department '' to get the same results time and time again. Submit the claim t " '' Chase customer claims department " and after two days receive a denial letter. This is become extremely frustrating because we have gone above and beyond what we are required to do as a consumer from this banking institution. Including filing a report with merchants and getting a police report generated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have 2 separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We have XXXX in our home. When they installed it, it did not work right. We kept having connectivity issues. We contacted them several times. They checked things on their end, but took their time correcting it. During that time, we told them we want the service, but it has to work right. They understood, and eventually got someone out to our home to confirm that they aligned the dish " wrong '' and that was the cause of all of our months of issues. Now, we are applying for a new home loan, and this comes up! We did not know it went to collections as well. This is totally WRONG. XXXX admitted their installation error ( " ... it was a Level 1 Technician ... '' ), and waived the equipment charge. They also admitted that they shouldn't have billed us for this in light of the issues at hand. 

NOW I have learned that IC System Inc XXXX Collection XX/XX/2016 {$220.00} is related to the XXXX error. Our bills are paid up. This collection reference is bogus, and should be immediately removed. XXXX will confirm we are paid as agreed.

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 05-12-2016 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 been disputing an alleged account from XXXX XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX florida. i just want it removed from my credit report.

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 12-09-2016 about Debt collection (Medical) with Kramer & Frank, P.C. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016, I received a letter from Kramer and Frank that states I owe {$100.00} to XXXX XXXX XXXX. I have not received a bill for this amount from XXXX XXXX XXXX, and they have not attempted to contact me about the amount owed. 

I have no problem paying the amount owed, but Kramer and Frank needs to send me an itemized bill of medical charges. Simply stating I owe {$100.00} to XXXX XXXX XXXX is n't enough to demonstrate that I owe this debt. Furthermore, I have attempted to match the unpaid amount to my XXXX XXXX XXXX XXXX XXXX claims, and there are no matching dollar amounts. In addition, once they have provided an itemized bill, proving I owe the amount stated in the letter, I am willing to pay the amount under the condition that they completely remove the collection item from my credit bureau reports, specifically because XXXX XXXX XXXX has not sent me a bill for this amount prior to placing the account for collection with Kramer and Frank. 

Thank you for your help.

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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NV).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: A Discover Card solicitor called me around the beginning of XX/XX/XXXX in order to transfer two of my credit card balances to their card for a onetime fee and a 0 % interest rate for the life of the card which I agreed to. Upon receiving my first billing statement I discovered that my monthly payment was to be 2 % of the unpaid principle balance which was more than what i was currently paying for the other two credit cards. I would have never agreed to those terms if i was informed of them initially, which i was not. I immediately called and spoke to a Discover rep who stated that she would pull and listen to the original conversation then get back to me. I never received a follow up call. Upon calling them back I was then informed that they only keep the calls for 30 days and they no longer have my call on file. I requested that i speak to the rep who originally took my call when at that time they further explained to me that they do not keep records of who customers speak to when they call in. I had to reiterate my concerns and frustrations once again which they ultimately told me that the terms are what they are and I basically have to agree to them and start making payments which I refused due to the gross information that was initially conveyed to me. I truly feel like i was told half the story with no initial payment details being disclosed and Discover Card is turning a blind eye with ZERO personal accountability. I hope and pray that your institution will be able to aide me in remedying this matter. Your time and efforts are beyond appreciated. 

XXXX XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with JPMORGAN CHASE & CO. (KS).
Issue: Other

Complaint: Hi, It seems that Chase has been denying my credit card application under a generic reason. The reason they say is that too many credit inquiries. I have a good to excellent credit and feels like they are denying my application on other factors which I do n't know of. 

Please let me know if I can provide any additional information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans serviced by Navient totaling {$25000.00}. Since graduating from XXXX University in XX/XX/XXXX I have been either unemployed or underemployed. At the time I was to begin making payments on these loans I requested payment information to cover any capitalization of unpaid interest and was given a dollar amount which was paid as instructed on a monthly basis. In addition, Navient never informed me of my options to avoid interest capitalization during any grace periods. To my surprise XX/XX/XXXX there was {$1500.00} of capitalized interest added to my loan balances. Given the fact that I was not informed of my options and that all interest payments were made as instructed by Navient I respectfully requested they remove such charges from my loans on several occasions. They have refused to date to remove such charges on the basis that I agreed to such an interest capitalization policy in my promissory notes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 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 found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

Company response to consumer: Closed with explanation