milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Re : XXXX XXXX, XXXX Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted XXXX XXXX, XXXX ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that XXXX XXXX XXXX would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to XXXX XXXX in XX/XX/XXXX, over the phone. 
XXXX XXXX XXXX stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 04/20/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I called Gold Key at XXXX and spoke with XXXX XXXX. I asked for the information on my debt and that she send me an invoice as my credit union required that to payoff the debt. XXXX not only was rude to me but refused to speak with my credit union manager, XXXX XXXX, because XXXX told XXXX that verifying me with my d.o.b. was not appropriate for XXXX to do and I had already verified myself. XXXX refused to speak with XXXX. She refused to fax or email and invoice. And ended up lying stating that she would mail an invoice when I was told by another representative that they could not do that. Why would collection agencies compliance policies not allow them to create an invoice proving the payment amount and address?

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Prepaid card (Transit card) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been having trouble issuing any payment to my debt. Every time I have tried to pay off my loan, my payments keep getting reversed. Now, I found out that I was reported delinquent with 120 days  late.This is  completely absurd considering the fact that I have been trying to send payments since last  XXXX . Today, I tried to send another payment and was told  by Navient 's customer service to wait another 2-3 days   to see if it will be processed. My checking account has plenty of funds to pay off those bills so that would n't be a valid reason for why payments are getting reversed. I am contacting you because this issue has gotten out of hands and escalated with the delinquency notice. I have attached a screenshot of the payment history to help you further understand this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed inaccurate information being reported on my Transunion Credit Report. The investigation came back as verified. The credit bureau recommended I take it up with the creditor. I sent a letter for Verification of Debt to Applied Bank at the address listed on my credit report. The address listed for Applied Bank on the Transunion Report was : XXXX XXXX, XXXX XXXX, FL XXXX. I sent a Certified Letter, Return Receipt Requested to Applied Bank and the Post Office replied back with " Undeliverable ''. According to the FCRA, if there is inaccurate information on my report and unverifiable, the item must be deleted from my report. I submitted the information to Transunion by certified mail and they opened a new dispute. When I called them, I explained that if the information on my consumer report is inaccurate, it must be removed. They declined and insisted the Creditor has the right to " correct their error '' and update the information. I believe my rights under the FCRA and FDCPA have been violated causing me embarrassment, lost credit opportunities due to both Applied Banks inaccurate information on my right and Transunion 's reluctance to follow the law. I would like this investigated and enforced. I am filing a law suit against Transunion and Applied Bank for Violations of the FCRA and FDCPA. Thank you. 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 explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Pressler and Pressler, a debt collection lawyer, is trying to garnish my wages for a debt I do not have, or know anything about, from XXXX XXXX XXXX. XXXXand XXXX says it represents XXXX XXXX XXXX. as well in this matter. I have not had a loan, nor a credit card from anyone in over 20 years, let alone XXXX XXXX. They don't state what type of debt it is, nor do they state the amount, nor any dates regarding this " loan '' .This sounds like a scam on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 asked Transunion to please take several addresses off off my report and they still are not being compliant. I also have disputed inquiries that are to fall off as of this month and they are not being compliant on that either. I am trying to apply for a home and auto interest rate reduction and this is affecting my score bad.

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 05/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: In  XXXX  I attended  XXXX  College. The loan amount of {$2000.00}  ( l isted as {$1700.00}? ) was disbursed on  XX/XX/XXXX . At the time I was planning on being a teacher. This was the only college loan I accepted. The loan was paid early on  XX/XX/XXXX . I received a statement from Fedloan Servicing dated  XX/XX/XXXX  showing a loan balance of  XXXX . Since then I routinely receive notices stating I still owe the {$2000.00}. Both my father and I have call ed three times over a three yea r period and confirmed the loan was repaid in full. During each of the phone calls we asked that the notices stop. The periodic notices never did stop. Last week I received a notice that i n three month s Fedloan Servicing will be wanting payments. I do not want my credit ruined because this company is so inept.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with Credit Corp Solutions Inc. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call from XXXX XXXX from Credit Corp Solutions Inc. ( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) from XXXX Utah. XXXX said if I did n't pay the debt I owed he would refer me to their pre legal or legal department. Pasted below is the email Dear XXXX XXXX, Attached is the Validation Notice for the XXXX XXXX account which was mailed to you. 
I have also attached the statements we have received from XXXX XXXX. 

The account has an outstanding balance of {$3200.00} Due to non-payment this account has been reviewed and has been flagged to be forwarded to our Pre-Legal Department. 
I have a limited time to work with you to attempt to understand your capacity and intentions towards resolving this account before making a determination as to whether your account should be escalated to our Pre-Legal Department. 

As I had discussed with you earlier today your account has been flagged to move forward through the collections process. I have a short time to work with you to prevent this from moving further. 
Today I will be in the office until XXXX MST or XXXX EST. 
I can be reached directly at XXXX or toll free at : XXXX ext XXXX. 
Our website is www.creditcorpsolutionsinc.com. 



Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX DL : XXXX Fax : XXXX As you can see XXXX XXXX has threatened to refer me to his prelegal department in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal information to be compromised. I was able to verify I am a victim on their website. They also did not release news of their data breach for several months. In addition it sounds like there was some insider trading involved from senior leadership within Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Other fee

Complaint: On XXXX/XXXX/15, we received our credit card statement for an annual fee. We had no other balance on the card. I contacted the company on that date and told them that we 'd been customers for years with solid credit and that I would like the annual fee removed. The Agent agreed immediately and said he would remove the fee permanently and that it would take 5 days to show up as deleted on our online account. On XXXX/XXXX/15, the charge was still listed on our online account and I called and spoke to another person ( I have all the badge numbers for those I spoke to ). This person apologized and said that it really would take 7 to 10 days from the original conversation to be removed but that our account was showing that the fee was removed permanently. 10 business days from XXXX would have been XXXX at the latest. On XXXX, 1 day before the payment of the annual fee was due, it was still showing up on our online account. I called to cancel the card completely. The person I spoke with said that the annual fee was part of my signed agreement. I asked her if she was implying that I was in breach of contract and she responded that she had n't said anything of the sort. She said my account was showing that there was no annual fee but that she would need to contact her technical support people to check our online account. I told her I thought that XXXX was hoping I would pay the annual fee prior to the due date to avoid penalties and the such. I told her I would not cancel the card if she sent me an email saying that my account was changed to a no annual fee account. She refused. She said I needed to fill out the 'Contact Form ' on their website which I 'm certain says they have 48 or 72 hours to reply. Any answer would have been beyond the due date. I cancelled the card at that time and received a cancellation code. It is unfortunate XXXX found it necessary to play games with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Payday loan) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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 put in a dispute on  XXXX   XXXX ,   XXXX   with Experian credit bureau and tried to delete inaccurate addresses, I was told to call in, in which I did. I spoke with a representative named  XXXX  from team  XXXX . She was very rude, I tried to explain to her that the addresses associated with my credit report are inaccurate and that my name is being tied up to addresses that I have never lived at. She did not want to hear my dispute, after I got off the phone with  XXXX , I received an email that my dispute was finished. I looked at my new report and nothing changed. By law my disputes are to be investigated appropriately. It was not investigated appropriately because I received an updated dispute the same day. This is not legal, just because  XXXX  did not like my disputes or what I had to say does not give her legal action or rights to close out my disputes without properly investigating.

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 04/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Delinquent account

Complaint: I called Bank of America to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: PLEASE HELP ME!!! 

Equifax actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am permanently XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; EQ XXXX ; XXXX XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; EQ XXXX ; XXXX XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. error. 
please delete

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.

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 09/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I am having a lot of issues with Navient which is the company that I have to go through for my student loans. Since XXXX of XXXX I have been trying to fix this problem where they have been making my payments XXXX dollars each month, and I just ca n't pay that. I have been calling multiple times each month to try and get this fixed, but every time they say it will work out, and you have to wait. Well by the time you wait to see if it does work, the payment is close to due, and it never does work so then they keep on making me do a forbearance to then repeat the process to try and " fix '' the problem. But it is getting out of control now and I thought this last time I contacted them it would work but it did n't, the payments are still the same. So now I feel like I am all out of options and just not pay my loans and just deal with the consequences. If they keep screwing me they wo n't get anything and neither of us will win. I have no documents to submit, all my interactions have been over the phone. Please, I could use help dealing with this company. I was young getting into this mess and I still do n't even know much about how this works. Thank you for your time.

Company response to consumer: Closed with explanation