milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed the fact that XXXX account # XXXX listed on TRANSUNION ONLY now, is inaccurate and should not be listed on my credit report, and excessive abuse of the FTC 's rules and guidelines for responding to a proper resolution in a timely manner with the proper evidence and facts. XXXX and XXXX BOTH REMOVED this item as it was listed inaccurately and did not have legal grounds to be marked against my credit report per FCRA and FDCPA guidelines. Transunion is in violation to these XXXX consumer laws and has ignored repeated requests over the last year to remove this. I have provided the confirmation number to the disputes showing a years worth of history, and the company simply ignoring my request. It is damaging my ability to get favorable rates on a mortgage. Please see that BOTH XXXX and XXXX have complied yet Transunion is refusing to play by the rules. Please reference FILE # XXXX. Attached is the document from Transunion as you will find this case number is linked to over XXXX disputes whereby Transunion just stated it was verified but never provided any of the following:1. Evidence their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with ECMC Group, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTOR FAILED TO VALIDATE DEBT. ALSO WENT ON MY CREDIT REPORTS AND XXXX, AND CALL US 11 TIMES REGRDING TAX BILL PAID ALREADY.. 

THE COLLECTORS VIOLATED THE DODD-FRANK ACT!

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 07/15/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CMRE did not even attempt to validate a medical bill that they have put on my credit report. I just went to see a mortgage lender and discovered their medical collection on my credit report. NO ATTEMPT at all was ever made to allow me to deal with this prior to reporting it and as such it is illegally on 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 12/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I WAS AT THE BANK ON OR ABOUT THE BEGINNING OF XXXX I WENT TO THE BANK TO OPEN A CHASE PRIVATE CLIENT ACCOUNT. I FOUND OUT FROM A BANKER THAT MY CREDIT CARD POINTS WERE REDEEMED FOR CASH. I WAS SURPRISED AND WANTED AN EXPLANATION. THEY TOLD ME THAT I CALLED IN AND I TOLD THEM TO REDEEM THEM. I NEVER TOLD ANYONE TO REDEEM ANY POINT NOR CAN YOU REDEEM POINTS OVER THE PHONE. YOU MUST GO OVER THE WEBSITE TO REDEEM ANY POINTS. AFTERWARDS I WENT ON TO MY ACCOUNT AND SAW THAT THE OTHER XXXX POINTS WERE GONE. I REQUESTED AN EXPLANATION AND I AM NOT GIVEN ANY PROOF THAT I CLAIMED MY POINTS NOR WAS THERE ANY EXPLANATION WHAT HAPPENED TO THE REST OF MY POINTS. THE POINTS ARE WORTH APPROXIMATELY {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Andreu, Palma & Andreu, PL (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Other type of mortgage) with Riverside Mortgage Group, LLC (FL).
Issue: Trouble during payment process

Complaint: Our commercial mortgage loan originated on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX  Despite repeated requested, we do not receive statements and can not access our mortgage information online. On XXXX/XXXX/XXXX, we called XXXX, the company that manages the loan, to try and get a payoff amount as we have been paying additional on the principal for several years. Our loan is not in default. During the phone call, we were told that there was a {$1400.00} fee on our account. When asked why, originally we were told it was possibly late payments. I asked the gentleman to research further and we were disconnected. I went into the XXXX XXXX Bank to try and resolve some of the issues. After researching, I was told that the {$1400.00} fee was done in XXXX and was for an appraisal. An appraisal was done during the loan origination in XXXX. We were not informed of the XXXX appraisal occurring. We were not told that we were being charged for it. We were not even made aware that they had done the appraisal and added the cost to our loan. At this time, we do not have any way to find out what additional fees have been added to our account without our knowledge or agreement. 

I have reviewed the original loan documents and there is no authorization to Riverside or XXXX to do appraisals at cost to us.

Company response to consumer: Untimely response
Consumer complaint received 05/27/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: On  XXXX   XXXX ,  2016 .   I got a car financed for a cost of  XXXX  $ with a n APR 23.9 9 % to 6 years and they charging for  XXXX  $ on interest to 6 years. I gave  XXXX  $ of down payment for the car, they want me to pay more of interest then the car value and they havent pay anything to capital, and i got to pay  XXXX  $ per month and i pay  XXXX  $ and they dont pay nothing to the capital they accredited it to interest, till now everytime i pay them, they take it to interest only, and i feel thats ilegal.

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 10-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am enrolled in the Public Service loan program, which enables me to also be on an income based repayment plan having me make payments of 10 % of my income for XXXX payments and then the rest is forgiven. I recently learned that my loan company miscalculated my 10 % payment. They were basing it off of my gross income instead of my adjusted gross income. This has caused me to pay {$650.00} per month when I should have been paying {$350.00} per month. The servicing company, FedLoan Servicing, recently changed my payment amount to the correct amount, but they are saying there is nothing they can do for all of the money that was overpaid over the course of the last two years. They are saying that " I should have known. '' This is wrong. Previous to Fedloan Servicing, my loans were with XXXX. They also may have had the amount miscalculated for payments I made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EXPERIAN AND  XXXX  are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospital biller  XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I had  service there 1 day  in 2014,  The hospital biller puts  XX/XX/14    on  XXXX  bill and  XX/XX/14    on another for service that occurred on  one  day.If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a Cobra policy in a timely manner.One check for COBRA was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on   XX/XX/14 .A COPY OF  THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  ha d that ch eck cashed ju st two  weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the servic e occurred.The credit  bureaus must get  XXXX  to  certify th e correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted m y credit score b ack up to  XXXX , OVER  XXXX  FICO  XXXX   points.This  willful error of  XXXX ,  XXXX  and Experian and  XXXX  who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by  XXXX  bank that EXPERIAN 'S REPORT put me in the middle tier fro m 14 per cent to 20 pe rcent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVID ENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVE S ONE M ORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.

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 01/30/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 Bank of America sent me a letter which read " Congratulations! You 're approved for a Home Equity Line of Credit Modification '' I accepted this offer nine months ago, a contract I have honored and complied with in every way, yet Bank of America has and continues to avoid compliance. The issues are as follows : Failed closed my modification Continuously send me numerous notifications that my " loan modification appeal has been denied '' Inaccuracaly reported my credit history Called me 50 times stating my loan is in default or me calling BofA to get assistance Provided me with assurances that " this is just a paperwork problem '' for 9 months Verbally assured me that my loan is fine and I should continue to pay the {$710.00} ( which I do every month ) and instructed me to ignore the letters and calls that state I am in default I have has to endure countless changes to my " single point of contact '', and there is no end in sight. This situation is inhumane. Bank of America 's CEO XXXX XXXX was notified months ago and still no action toward a resolution. 

I have asked for months for help. Now I have demand they perform under the agreement. Provide me with an accounting of how the thousands of dollars I have paid from the time I entered into the modification have been applied. I do n't even know what interest rate they are charging. My statement says 3.75 % and my modification says 1 %. I will bet they do n't even know how to prepare an accurate XXXX for tax purposes.

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 05-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Prosper Marketplace, Inc. (NY).
Issue: Problem with the payoff process at the end of the loan

Complaint: Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to  XXXX   XXXX   ), but there  was not an option to select for this.     Between  XXXX  I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying  Prosper  had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in   XXXX  .      Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (AK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.

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 03/29/2017 about Credit reporting () with Jana Ferrell & Associates LLC (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Collection account was deleted from Jana Ferrell and associates on XX/XX/2017 the same collection account was added back on XX/XX/2017 which made my score drop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 I discovered a fraudulent tradeline from a collection agency ( XXXX XXXX ) originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure. 

I also noticed that the TransUnion credit report XXXX XXXX was illegally permitted to access my credit report for an allegedly " permissible use '' of debt collection. This is especially specious given the clearly fraudulent name that appears to be the source of this alleged debt.

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 01/19/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being charged for a bill that was supposed to be paid through my insurance company and the hospital has not submitted the bill for payment to my insurance company. Rather they have turned the bill over to several collection agencies and it has now compromised my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Fraud or scam

Complaint: My son, XXXX XXXX and his girlfriend XXXX, ordered a dog on XXXX for {$270.00} on XXXX XXXX. The seller on XXXX XXXX " XXXX '', email address XXXXXXXXXXXX, phone number XXXX XXXX XXXX XXXX. The western union transaction was sent to XXXX XXXX from XXXX XXXXXXXX # XXXX. The seller told him to western union the money and he will receive the dog the next day on XXXX XXXX, 2016. After sending the money, my son got a call from someone ( XXXX ) requesting additional fees of about {$800.00} stating that the dog was stuck in MN and they needed the money to purchase a special crate for the dog. My son called me frantic. I called the seller and began questioning me as to who I am, then hung the phone up. I called Western Union and began filling out a Fraud claim but was told by WEstern Union to call back in 15 days. Today, I disputed the charges with my bank. 

I am not certain that anything will ever come out of this and my son has lost his hard earned {$270.00}. Not knowing what to do, I have decided to contact you for assistance. Any help you can provide would be greatly appreciated. 

thank you. 

XXXX XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Good Afternoon : I am writing to register a complaint against Wells Fargo. I am a XXXX who is paying back loans and working part time weekly doing contracting work as I am trying to find a full time job. There are days when the paycheck I make is in transit just in time to my Wells Fargo account for bills. Even though the money transfer is deposited on the same day, Wells Fargo immediately charges a {$35.00} overdraft fee for each transaction. Over the past year, this has added up to {$770.00}. This has put me in some tough situations as I am  already living paycheck to paycheck. On many, many occasions the overdraft fees ( for each charge ) have cut into my paycheck so deeply that the amount in my account is then insufficient to cover the bills and I incur even more overdraft fees. It 's become very difficult to keep my head above water and only recently have I even become recent on paying my credit cards on time. I am a young adult who has a damaged credit score- who is both working as much as possible ( often 20 hours a day ) - with these incidents- I am not able to With the money and the transactions happening at the same time, it seems unfair for me to be charged immediately- as I have no control when the bill is pulled from my account and when my paycheck is deposited. I thank you for your review of this situation and I appreciate any help you can provide. I am providing details of deposits and corresponding overdraft fees to show correlation.

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 02/23/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX XXXX XXXX Opened : XX/XX/2017 Origianl Creditor Name : XXXX XXXX XXXX XXXX XXXX  Amount : {$600.00} Account Closed. First Credit Card. Inexperienced with credit. Want to pay interest. Financial Hardship.

Company response to consumer: Closed with explanation