milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On or around XX/XX/XXXX I telephoned XXXX XXXX credit and requested to close the account. I also requested the total amount due and paid that amount via a debit card. The representative DID NOT tell me that there was a late fee and did not include that amount in the total amount due. I paid {$160.00} and assumed the matter closed. I never received any communication of any kind from XXXXXXXX XXXX credit. I moved across town but submitted a forwarding request with the U.S.P.S. and all other mail has been forwarded to my new address. 
This matter only came to my attention when applying for a home loan and seeing my credit report. My credit had dropped almost 100 points and this was the only negative item on the report. In XX/XX/XXXX my  score was XXXX, now it is XXXX! 

I feel XXXX XXXX credit intentionally failed to tell me about the late fee when I closed this account and has an internal policy of delaying processing payments in an effort to generate exorbitant late fees. They intentionally failed to make a good faith effort to notify me of the late charge. They have greatly damaged my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: since XXXX franklin has been reporting that i owe {$420.00} to them. i have asked for validation which would include my signature on a contract showing that i have done business with them or XXXX and they have not sent this in 6months. i have informed them that i have been the victim of id theft and they have not fixed the issue that i have been disputing. attached i will be including the ftc id theft report as well as a evanton police report verifying that i was the victim of id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since  XXXX    XXXX   I have applied for a reduced payment plan for my private student loan because the payments are extremely high and I do not make enough to cover the payment. This resulted in a lower interest rate on the loan. I have to reapply every year, which I do, starting in  XXXX . I submit all of the required paperwork and I start calling at the end of  XXXX  to ensure that Navient has received the required paperwork. This year, I submitted all of the required paperwork in  XXXX . I called the first week of  XXXX  and was told that it was too early for me to call and reapply and that they would not help me at that time. Someone then called me  XXXX   XXXX  and said I needed to reapply for the reduced payment plan. We started the process and then halfway through, she said that she could not help me because I had to wait until  XXXX  to reapply. I informed her the plan expired at the end of  XXXX  and the paperwork I received stated that I have everything completed by the end of the month. She said there was absolutely nothing she could right now and that I had to wait until  XXXX . She then told me that she would call me on  XXXX   XXXX  and actually scheduled an appointment with me. However, I never received a call back  XXXX   XXXX . I called Navient on  XXXX   XXXX  to discuss my application. The first person I spoke to on  XXXX   XXXX , tried to tell me that I had a past due balance of over {$900.00} because  XXXX  's payment never processed. When I log into the website, it shows that the payment for  XXXX  was received. I also have emails and bank statements showing the payment was posted. When I asked her to please check the records again, she 'accidentally ' hung up on me. I called right back and got someone else. She tried to tell me that I had a past due balance of over {$500.00}. When I asked for clarification on where she was getting that number, again, I was 'accidentally ' hung up on. I called back again, again, got someone else, who told me that I could not apply for the reduced payment plan. When I told her that 's not what I was told in  XXXX  and  XXXX  and could she please check on the requirements, again, I was 'accidentally ' hung up on. I can not get anyone at Navient to give me the same answer, every person I spoke to gave me a different amount of what was owed, NONE of which matches what is showing as due online when I log into my account. It is IMPOSSIBLE to get anyone there to answer my questions and I do n't know what to do. Any help with this would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Payday loan () with Green Trust Cash, LLC (GA).
Issue: Can't stop charges to bank account

Complaint: XXXX XXXX XXXX is the bank I use. I had to get XXXX loans to help a my spouse during a crisis and the amount for each has been paid in full but each company still expects me to pay additional money which will triple the original debts. Green Trust Cash will not acknowledge my request to end the account despite not being federally licensed in Georgia where I live, the reason is that they operate under an XXXX Federation Reservation laws. The other, Loan at last is no better but they at least do n't harass me as much.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: Capital one bank refuses to remove fraudulent inquiries related to an identity theft, that were not authorized by me there are multiple inquiries on my XXXX and XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After sending a validation of debt letter to said company, i received a form asking for me to release my medical records to them so that they can provide me with what they used to verify the alleged debt. If i have to sign a release form so that collectors can prove a debt is mine, how was the debt ever verified? This company have not sent me any validation to this date but have a reported on my credit report a debt, that i have to sign for them to verify. This said debt does n't belong to me. I want physical proof of the original bill that they used to verify debt. not a request to release my medical records, thats inhumane, and an invasion of my privacy to ask for such. If they could verify the debt is mine they would n't need a release form, therefore they are reporting unverified information to the credit bureaus violating FCRA. Do not respond to me via email, mail, or phone, all response is to be via this website. Please upload proof of validation to this site or remove from all 3 credit reports. Thank you

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 03-03-2016 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for.

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 09/27/2017 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: XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank partially locked access to my online business checking account. No reason stated. No reason it would be partially locked. If I wanted full access I was told to call them. In order to verify my ownership of the account they began asking me a series of questions regarding myself. Multiple choice questions about my previous addresses, personal partners, non existent XXXX bills ... basically an information fishing expedition gathering big data that has nothing to do with my account. Information that I would have never needed to divulge to set up the account. When I complained about the fishing expedition, my account was instantly unlocked even though I answered none of the questions in the array of data collection. I think this activity should be investigated, find out why they are collecting the information, what are the storage procedures, if they have a policy regarding the selling or swapping the information with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: We refinance our home with XXXX XXXX XXXX on XXXX 2017 and our old mortgage with Chase was paid off on XXXX XXXX 2017. On XXXX XXXX we called Chase Mortgage to see when would theyll be sending the money from our escrow account back to us for the amount of {$1800.00} dollars, they said we were only getting {$690.00} back because {$1200.00} dollars out of the {$1800.00} dollars were sent to the XXXX XXXX to pay for the property taxes which it didnt make any sense since our new mortgage with ( XXXX XXXX XXXX ) paid it already. XXXX XXXX has told us they are sending the money back to Chase by the first week of XXXX. That means Chase should give us our money before the end of XXXX not in 3 months. The right thing is for Chase to refund our money now since this was their mistake and since they have done nothing but lie to us and give us the run around, even their letter from the XXXX of XXXX says we will receive our money with in 10 days of closing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

XXXX Bankruptcy XXXX NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: XXXX XXXX and have no home to live in because of BOA. 
In 2014 I was trick in to sale of my house, it was XXXX and very disappointing to experiences to learn on the day of the closing the BOA had canceled the sale, no reason given. 
Took all escrow money from me. 
The XXXX Real Estate Companies that was used to sale the house was dishonest and provided negative representation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Fraud or scam

Complaint: I 've made investments with a company thinking I was taking steps to owning my own business. But it turns out to be fraud and I contacted the merchant for months asking for a refund and the said they have nothing of mine on file. I 've called my bank and my bank said the can not help with my dispute its out of there reach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other

Complaint: We have had our Macy 's credit card for ever and for the last few years we have been able to log into our account online to check our balance and make payments and check our statements. For that past 3 months or so we have not been able to get into our online account and when we call Macy 's credit card phone number we end up speaking to someone in XXXX who tells us that there is a software glitch and that they are working on it. On two occasions we asked to have our statement changed from paperless to paper statement so we could see our transactions, which has not happened yet. Our account is in great standing with a {$7000.00} credit limit and {$230.00} balance, so I know it is not our credit standing with them. We want to have online access to our account or a true explanation of what is going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Account opening, closing, or management

Complaint: Originally, I opened a single checking account at Wells Fargo. Agents of Wells Fargo then began opening new checking accounts and credit cards in my name, going so far as to move my balances around the different accounts. When I asked them to close all my accounts, they stated they would, but never did. This resulted in overdraft fees, and a huge negative impact to my credit.

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 02-08-2018 about Vehicle loan or lease (Loan) with FC HoldCo LLC (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COOLEY ENTERPRISES INC (TX).
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: Clay Cooley aka XXXX XXXX has not reported my on time payments to the credit bureau 's. Clay Cooley is a 2nd chance financing credit rebuild vehicle loan program and state they report payments and to date this has not been reported during my 1 1/2 years loan with them I 've even sent letters to all 3 credit bureau 's requesting that this be done as of the beginning of this year/

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.

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. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX 2017 I found out that my personal information along with millions of others was mishandled and compromised by Equifax. I am listed as a potential victim according to their equifaxsecurity2017.com

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reporting XXXX different balances. I was informed the extra balance is a " collection fee ''. I have never heard of this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Between XX/XX/XXXX-XX/XX/XXXX I was offered multiple times, by Navient, to enter into forbearance. I was never offered income-based repayment and never even knew it was an option. I have called Navient ( previously XXXX XXXX ) multiple times over the past few years to discuss repayment options, but I was never once informed that income based repayment was an option. I was also sent obscure " new document available to view '' emails which did not make clear that I was receiving a bill, and were often sorted into my spam box.

Company response to consumer: Closed with explanation