milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently ran my credit report through XX/XX/XXXX. I saw that I had a debt in collections from an e.r. visit I had, years ago. I never received a bill in the mail and had i, I would have paid it or made payments, to pay off the bill. I called the debt collector to come to an agreement on a payment plan and they told me no. That at the very least I had to pay $ 100- {$200.00} a month. I explained to them that I was paying {$300.00} a month in resolving other debts. ( Those two are now removed from credit and the only negative debt I have showing is this one from the hospital ). Not to mention I was in a transitional shelter/shelter, and on welfare getting government assistance and thats where my income came from. It has been 6 years since this account went to collections. I tried to do the right thing and resolve the issue. I even asked if they wiped the interest off completely and gave me the total amount of the bill I would pay it in full. The woman said no. That was a few weeks ago. Since then, just about every other day, I get an alert telling me my collections balance went up by {$1.00}. Is this even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Transaction issue

Complaint: My credit card was used for fraudulent online transfers in excess of {$14000.00}. I contacted Chase and they told me to report to fraud department. I mailed a letter to them on XX/XX/2016 and have had no response. I have called Chase several times and complained and have gotten no help. 
In the mean time I am not paying on this balance and Chase is reporting it as late. 
Is there anything that can be done to speed up the process of Chase fixing this fraud. 
Thank you, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: I 'm trying to obtain my Escrow Refund for XXXX XXXX XXXX ). I refinanced XXXX XXXX now nobody associated with my refinance has no Loan Number of the refinanced transaction. I called XXXX XXXX and was told it was in some kind of evaluation, which the Escrow was evaluated in XXXX also.I was told in XXXX that I would receive it the end of XXXX now no one has heard of me or the refinanced transaction. I was never able to speak to a supervisor or manager. I 've tried to contact everyone involved with the refinance transaction even the Title Loan Office. I was contacted in XXXX XXXX for {$100.00} for tax increase then XXXX XXXX my mortgage was increased for {$580.00} to {$590.00} with no explanation for the increase. I 'm afraid next year they may say they 've not received my mortgage payments which is an automatic withdrawal. I need help in dealing with these companies. Thank You. SUPPORTING DOCUMENT IS FORTHCOMING.

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 06/15/2017 about Checking or savings account (Checking account) with U.S. BANCORP (WI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have gotten {$210.00} in lat e fees from US Bank in the course of 3 days. I have replenished my account from my other account with in 12 hours when it 's gone negative ( usually from the excessive overdraft fees ). It 's not even suppose d to charge a fee if your account is not over - {$5.00} but at  XXXX  they started charging. I am enclosing screenshots to show my concerns.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: To Whom It May Concern : I have three student loans with XXXX that have been PAID IN FULL in 2007. I contacted XXXX and they confirmed that my accounts are NOT IN DEFAULTS NOR DELIQUENT since they have already been paid 10 years ago. TRANS UNION is still listing the 3 accounts as delinquent. I disputed the incorrect reporting twice and Trans Union lied when they came back stating that the Accounts were verified.
This is causing major issues to my credit file and financial affairs. I need help getting this issue resolved.
Sincerely, 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim in the Equifax hack. I found out on XXXX XXXX 17. I have alerted another credit company to place an alert on my identity. I understand that they are a victim in this too, but they are also responsible for my security.

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 EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX account # XXXX is reporting false information. Delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Tranunion refuses to investigation my dispute of wrong balances and/or dates of collection items. They gave me no proof that they even tried to investigate!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with KEYCORP (OH).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am attempting to use a third party app called " XXXX XXXX '' that loans you money from you next paycheck without fees! However my financial institute " Key Bank '' does n't convey my transactions to " active hours '' in a timely manner. I have attempted to contact key bank through phone and social media to no avail. If " key Bank '' would just release my transactions history to this one app, I would be ecstatic.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I opened a bank account with Wells Fargo, was told I was approved, ordered checks, was given a temporary debit card, deposited money into a checking and savings account. Then received letter in the mail stating my accounts were being closed and they would return my money. I lost my job and faced financial hardship years ago during the recession, I owed Wells Fargo money which I have since paid off and worked hard to re-establish my credit. I went to Wells Fargo for their second chance banking account, believing they wanted to give people a second chance. When I applied I was told I qualify for a normal checking account so I got that instead. Only to be told later they do not want my business for a mistake I made years ago and am trying to make amends for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk. 
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.

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 05-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have an agreement for sutomatic withdrawl of {$180.00} from my checking account to service the  Navient  loan. However this month  Navient  withdrew {$460.00} from my account WITHOUT my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Credit Bureau of the South, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted the XXXX Loan Forgiveness form XX/XX/XXXX. All information was correct on the form. I called for updates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX, after 90 days of processing, Navient told me that they sent me a letter denying my request on XX/XX/XXXX. However, every previous encounter I was told that the document was still in processing. When I pointed out these discrepancies, they simply said, " sorry for the misunderstanding. '' Navient said my signature was missing, but it was not. I feel they are not being honest in their correspondence with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (LA).
Issue: Managing the loan or lease

Complaint: Harley Davidson Financial Services calling more than XXXX times daily to collect on account that is late no more than 1 day.For example, if pmnt. has been made online thru their very own website the day before being tardy they will begin calling the very next day.Have stated on phone if 1 hour overdue account is late. I do not want credit rating affected in negative manner because of their overzealous collection practices. This company is allowing very unfair and unprofessional business practices to be performed and should definitely have a grace period in place.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has not responded to the attached Notice of Error from XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was on the phone with my mortgage company to apply for a repayment plan and they had information on a Capital One Credit Card account in my name for XXXX dollars. I do not do business with Capital One, I do not have a Capital One credit card. I have n't had a Capital One Credit Card for probably over XXXX years. I believe someone has opened an account in my name, but am not sure what to do about it. Please can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am the sole owner of a XXXX that has been in business 36 years. Equifax Commercial Solutions continues to provide inaccurate credit reports to potential creditors. Worse yet, they refuse to tell me what companies are providing negative reports - they simply say things like " Business Lease '' or " Trade Account '' or " Commercial card ''. 
I have repeatedly requested that Equifax tell me who the creditors/vendors are so that I can confirm that these are my accounts. However, they refuse to do so. Attached is a copy of their most recent response which states that they will not identify the reporting companies. Therefore, reporting companies can continue to provide incorrect information and I can not find out who is making these incorrect statements in order to get them corrected. 
Meanwhile, Equifax Commercial Solutions is providing a false picture to my potential creditors and damaging my opportunity to establish accounts. 
Before submitting this report we called CFPB and were assured this request can be dealt with by CFPB. 
The following key documents are attached : XXXX XXXX, XXXX - my first letter to Equifax Information Services informing them there are errors in the credit report and requesting they correct the errors. 
XXXX XXXX, XXXX - my second letter with a list of discrepancies and a request they correct the report. 
XXXX XXXX, XXXX - my third letter detailing continuing errors in updated information they sent me on XXXX XXXX. 
XXXX XXXX, XXXX - my fourth letter listing the remaining XXXX accounts that are still in error and requested name of the party making the report so that I could get it corrected. A dispute form was included for each account. 
XXXX XXXX, XXXX - my fifth letter requesting a response to my XXXX XXXX letter. 
XXXX XXXX, XXXX - an email I received from Equifax stating that they will not tell me what companies are submitting the incorrect reports for which I have filed dispute forms. The data I receive simply says " Trade account '' or " Business lease '' or " Commercial card. " This leaves me with no way to get the misinformation corrected. 
Fair resolution : Equifax Commercial Information Solutions immediately provide with the name of the creditor and contact information for each of the remaining XXXX unidentifiable accounts on the credit. report. Also, provide me with a specific person in Equifax whom I can contact for follow-up. 
I will attempt to confirm that each of these accounts is indeed mine and that the information is accurate. Upon receiving such verification or correction, I will notify the person Equifax Commercial Solutions has designated as the contact. 
Immediate action by Equifax Commercial Solutions to correct the report and promptly provide me a full copy of the corrected report at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account FMS FINANCIAL MANAGEMENT SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX, TX XXXX ) XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing FMS FINANCIAL MANAGEMENT SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that FMS FINANCIAL MANAGEMENT SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect.

Company public response: Company 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. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax was hacked and it appears that my data was stolen from their site. they said I could sign up for the TrustedID program I followed all the rules and signed up but after 2 weeks of trying to get into their web site I still have not been able to log in and see what if anything has happened with my data. I tried customer support but the wait times are way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Title loan) with TMX Finance LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.

Company response to consumer: Closed with explanation