milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I reached out to Equifax via phone about excessive amount of unauthorized/Fraudulent inquiries on my report. Numerous rep refuse to dispute and or remove the inquiries. I 've sent in certified letters disputing the unauthorized inquiries and they refuse to remove them. I finally went online after finally having access to online disputes and I disputed these inquiries and as of yet Equifax is refusing to remove the fraudulent/unauthorized information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: i went into chase back to get change the teller asked me for proof that i had a chase account in order to give me change i gave her my chase credit card as proof she gave me the change when i got home i was looking at my account online as saw that she took out {$100.00} out of my credit card as a cash advance when in fact i did n't withdraw any money i went into the branch they acknowledged that the teller had more money in her draw then she was supposed to have and that they will credit me as soon as the charges clear on my account i called the branch a few times trying to speak to the manger with no call back as of yet and no credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with Alpha Recovery Corp (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This Company Alpha Recovery is trying to collect a debt from a credit card, i agree to pay and start making payments in 4 weeks because i am in financial problems, person on the phone call in every day 6 times to my cell phone and 3 times to my work phone, even after i ask to please do not call to my workplace. Person in the phone introduce himself as a XXXX XXXX, called today and start yelling me to get the money today one way or another

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I began a vehicle loan with Credit Acceptance aroundXX/XX/XXXX. I have never missed or been late on a payment. At the start of my agreement, the dealership setup my account with Credit Acceptance for auto pay ; The dealer entered the incorrect account numbers. I called credit acceptance consistently for 1 week to find out why the money had not been withdrawn from my checking account. Once they advised that the payment was returned I paid immediately using my debit card. InXX/XX/XXXX Credit Acceptance upgraded their website with actual account holder information ( previously you could only make payments and it was done through XXXX XXXX  ). With their upgrade, when I went online to make my monthly payment, it shows my balance being almost {$1000.00}. I was shocked and outraged, when I called Credit Acceptance to inquire what was happening, the rep ( who was really nice ) advised me that my account has been reporting past due from the very first payment and that I have accumulated a multitude of late fees. After our conversation, I immediately checked my credit score and it was decreased by 150 points. I am outraged!

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 03/24/2015 about Credit card () with JPMORGAN CHASE & CO. (MS).
Issue: APR or interest rate

Complaint: Chase BankHave put my account as a charge off and now a collection agency is trying to get interest off on a XXXX dollars which now is XXXX dollars from XXXX years ago. In XXXX to XXXX I had a nerves break down and could not work an when I did work my hours were limited. I received short term XXXX and called Chase Bank they told me not to use it that I was covered under my protection plan. Some time later they said they would put me under hardship program never heard from them again now a year XXXX got a letter at work for the XXXX and again this year from my personal office last year I was not making enough to be garnished this year they 're trying again what can I do. My number is XXXX please call

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Other financial service (Debt settlement) with Social Finance, Inc. (VA).
Issue: Advertising and marketing

Complaint: I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Recently my employer ran a credit check on myself and unpaid balance on credit card from capital one appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: Received a letter from PayPal Credit ( XXXX XXXX Bank c/o Bill Me Latter Inc ) informing me of changes in terms. The letter provided identifying acct., information or contact information, other than a XXXX for XXXX, an I had no recollection of ever having done business with any of these organizations - PayPal Credit / XXXX Bank / Bill Me Later. 

I then reviewed last year 's annual credit reports and found no references to any of these organizations, so then using the web found a phone number to call. 

Contacted the number and finally reached a human ( prompt continually insisted I enter my non-existent acct number ). The agent informed me they do n't report to any credit services - Great, so much for monitoring for fraud - they could n't confirm I they even had an account listed for me when I provided name and address, then phone number. Then was asked if I had a XXXX acct ( not to my knowledge ). Finally after digging up a 3yr old phone number from some old records an account was found!!!!!! Apparently I charged a prescription back in 2009 for {$11.00} when I still had insurance to XXXX. 

At best I perceive this to be questionable/shadowy organization. They may not be in violation of any legal statues, but they sure are n't exhibiting any sound business practices. 
- Communications with noting but a PO for contact info - No method for monitoring for fraud - Stale account data - Limited ability for acct identification, would received absolutely no assistance if I had n't known a 3yr old stale phone # How many other 'ghost ' accounts may be out there?

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (KS).
Issue: Problems when you are unable to pay

Complaint: Myself and my grandfather had a sales contract for a 2014 XXXX, of which we fell back on payments due to outstanding reasons. We were XXXX payments behind and had contacted our lender in order to arrange a full payment of the past due amount to be paid along with the next payment. The day the check arrived, a repo company showed up at my home to repossess the vehicle. The repo man knocked on our door to find that my wife answered, he proceeded to ask if I was there and she told him no. At which time he forced the door open and entered my home. Our XXXX service dogs attempted to protect my wife by becoming aggressive towards the man. my wife had to pull a XXXX handgun on the gentleman to make him leave the home. Once he did he proceeded down stairs where they were hooking our car up to a " repo '' vehicle. My wife warned them that the hand brake was applied and she was willing to provide the keys to the vehicle. The XXXX men refused this and began to drag the car, at the same time my wife attempted to record the ongoing confrontation but was prohibited by XXXX of the repo men by him slapping the phone out of her hands and to the ground, shattering the screen. About this time I arrived home and found my wife in complete disorder and she showed me how far the car had been drug, which was about XXXX yds away from its original position. During the time that they dragged the car they blew the parking rod and dropped the transmission and let debris, skid marks, and fluids all over the parking lot. Next I attempted to ask the men to allow me to retrieve some sensitive information out of the vehicle and to obtain the vehicle 's license plate to return it to the XXXX. They denied my the right to take the tag and made me sign a blank document to retrieve my valuables out. After the " repossession '' was over myself and my grandfather contacted the financing company and told them what had happened, we received no answer from them and were told we would receive a call back ASAP. During this time I called the check writing authority and they informed me that the check was about to be cashed at which time I instructed them to cancel the check because there was a breech in my agreement with the financing company. We never heard from them until bout XXXX months later by being served papers to appear in court and we owed them a large sum of money. After further review of the sales contract we found that they may repossess the vehicle but must due so peacefully and within the limits of law, which they did neither of these.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is currently reporting XXXX paid and closed student loans with the XXXX. They are reporting these accounts with a collection status as of XX/XX/XXXX. These loans were consolidated and PAID IN FULL on XX/XX/XXXX. This account was NEVER with a collection agency. It 's NO way that these accounts can show it was in collections a month after it was paid off and closed a month before. I 'm attaching proof from the XXXX -STUDENT LOAN DATA. 
Also they are reporting the XXXX loan for {$150.00} i NEVER had a loan for {$150.00}. I also pulled my student loan history ( attached as well ) and it does not have any loans from XX/XX/XXXX for {$150.00}. This reporting is 100 % incorrect and i 'm asking that both accounts be removed due to incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 am submitting this compliant in regards to the numerous efforts of faxes and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with XXXX, XXXX, and Experian in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to XXXX, XXXX, and Experian the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked, and my information may be in the hands of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, 2017 AD Astra Recovery Services , Inc contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX, which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged XXXX XXXX creditor and I received communications from AD Astra Recovery Services , Inc. without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have called navient the past 7 months because they told me that they ca n't or did n't process my payment because they were n't able to find my bank account. Now XXXX XXXX 2017 and navient told me that I am currently {$1200.00} past due. When I have the statement from XX/XX/XXXX and XX/XX/XXXX stating I am {$0.00} past due. Every other loan is on autopay. They have n't been taking any finances out on one loan. This loan id has been giving me problems for 2 years. Now this has been ruining my credit because navient says I have paid the loan for 1 month and the next they say I have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with Jenkins, Wagnon & Young, P.C. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In XXXX of XXXX a citation was attempted to be served to XXXX XXXX XXXX, my mother, and again in XXXX XXXX - the citation is not signed but the officer showed it was served ( with only XXXX attempts instead of the required XXXX prior to leaving citation on the door - I am assuming because XXXX was unable to answer the door ). The law firm filing the lawsuit was XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, Texas XXXX. No further action was taken and in XXXX several attorneys working for the above law firm left that firm and set up an operation under Jenkins, Waggins and Young law firm also located in XXXX and a copy of their judgement is provided for address and contact information. Their phone number is XXXX XXXX XXXX and XXXX is " the '' person that talks to people there. There was no action taken on the original suite from XXXX XXXX up until around XXXX XXXX wherein the new law firm represented that they were authorized to file a judgement and that they were representing the law firm under the original citation ( XXXX, XXXX, XXXX and XXXX ) even though they were not according to that law firm and in addition, they filed without giving notice to the estate of XXXX XXXX XXXX whom had died almost 19 months prior to their action to file for judgement. I believe that the timeline for filing motions for any debts is within XXXX year of the time of death. There was no notification to the estate of the debt and there was no probate or administration for the estate as the value of the estate is none. The collection efforts are at best deceptive and unfair - there was - these folks were not the people who issued the suit originally and are attempting to collect on an old citation that the original debt collector says they no longer are working. The firm did not serve any additional citation or notification to the address or to the estate or even individual prior to the judgement action - so there was no opportunity to validate or defend the debt. And there are possible leches concern, statute of limitations on the suit. In addition, the address on the citation and judgement is incorrect, they filed that judgement action after the XXXX year timeline allowed for collection of the debt AND attempts to call and discuss the situation with them has not been received well. They refuse to discuss the situation with me but spend a great deal of time gathering data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased a gift card from a department store. The card was stolen from my car. I reported the card stolen on that same day and was able to stop the thief from using the remaining {$35.00} of the original {$50.00} limit. The issuing company is Blackhawk Network. They have done absolutely nothing to resolve this issue. I faxed all documentation to them on XX/XX/2016. I called numerous times to check on the status and was told it was still being worked on??? They also claimed to have tried calling me. If so, they left no message. I am certain this was a lie!! Today I received a letter from them stating I had not sent them requested information and they would not be taking any further action. I am attaching all documentation to show proof I submitted the claim form along with the receipt of purchase.

Company response to consumer: Closed with monetary relief