milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Deposits and withdrawals

Complaint: USAA for some reason insist on not investigating my account correctly. Once my family and I noticed that my Identity was compromised, USAA was notified. We notified them and my account was closed with a day of us noticing, and USAA explained that they will be discontinuing business within a day of noticing the problem. I am being held responsible for all transaction and I have strong reason to believe that USAA did not conduct a proper investigation. I called today to try and figure out where the ATM withdrawal transaction occurred, but after calling a USAA representative explained that he no longer was able to obtain the information for me to correctly file a Police Report to the Officials. I have been very displeased with USAA 's customer service lately, and my family has been banking with them for years. I am being held responsible, and a representative explained that a day prior someone called and impersonated myself using my information. This was startling to us, USAA allowed us to make another claim to review/dispute the decision they made. However nothing has changed and I want to correctly file a report, and ask the Police to look at the cameras of the ATM that was used to commit the fraudulent activity so that USAA and myself may have a better understanding of who is at fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Credit card debt) with STATE FARM BANK, FSB (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices. 

The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports. 

As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I responded to a communication from CitiBank involving a CitiGold Bank Account bonus ( XXXX Thank you points ) for signing up and meeting certain criteria. I opened the account online which informed me of the bonus points and stipulations to which I agreed. I then met my requirements for the bonus, and began using CitiBank as my main checking account ( bill pay, direct deposit, etc ). However, when contacting CitiBank they instead told me there was no bonus associated. 

I feel like I have been tricked by a company to which I have provided even more business.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good morning, this is my third time trying to solve this issue with XXXX and Experian they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining 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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In the XXXX of 2016 my payment unexpectedly doubled. The payment had been roughy {$60.00} for as long as I can remember. When I contacted Navient for an explanation they said they did a " routine '' analysis of my loan and realized it needed to reamoetized to keep it on schedule. This means that my loan has been amortizing wrong for an unknown amount of time. Which means I would have not been paying down principal at a pace which would have resulted in me paying an unknown amount of extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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: XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled onXX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
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 My Name is  XXXX   XXXX   XXXX  my complaint is w ith Wells Fargo Home Mortgage is two parts, credit reporting to  the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan w ith Wells Fargo Home M ortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with wel ls Fargo. we were told by the person handling the modification process with Wells Fargo, that for us to qualify for the modification, we had to be behind on our mortgage payment. I told h im at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacte d Wells Fargo about this ma tter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XX/XX/17 was just watching XXXX XXXX XXXX and was concerned that Experian was advertising a product that people could access to monitor the " dark web '', with a fee. and that people affected by their data hack would assume that they could use this service to help mediate their risk. I do n't think they should be advertising credit protection services when they themselves could not keep their data secire.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans were transferred from XXXX to Navient in XX/XX/XXXX. First they increased my payment amount from {$380.00} to {$390.00} for XX/XX/XXXX When I called and asked why they sent me document that just said I was on a graduated payment plan but did not spell out the payment plan. I also noticed that all the payment was going towards interest and not principle. When I asked them about it I was told I had accrued interest of {$340.00}. I asked why - this did not occur with XXXX - why with the transfer did I accrue interest. They told me they would send me documentation on it. All they did was sent me payment history for XXXX months with current account info. Again they did not address the why it occurred. I find their lack of transparency disconcerting.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I never had an account with XXXX, and I have been a victim of identity theft. This account needs to be deleted at once, since it is preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter dated XXXX/XXXX/15 from MRS BPO, L.L.C located at 1930 XXXX XXXX XXXX XXXX, NJ XXXX. Stating that they are collecting on be half of XXXX XXXX XXXX in the amount of {$100.00}. And if I did not pay w/in 30 days the info would be place on my credit report. Indeed I did own XXXX XXXX XXXX earlier last year for a Modem, which I returned later and when I spoke with time warned I was told by their representative that my account was at a {$0.00} balance after receiving the modem. And the negative info was removed from my credit report. 

Upon receipt of this collection notice I call time warner @ XXXX and I spoke with a gentleman by the name of XXXX, regarding account ending in XXXX, who also states that my account is at a {$0.00}. I advised him of MRS attempting to collect {$100.00} on behalf of XXXX. I request for something in wring and per XXXX, at XXXX, I should receive a letter within 4-5 business days as proof that I do not owe XXXX XXXX any Money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with Southern Financial Systems, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Southern Financial came up on my credit report. I made contact with the company seeking full proof as to why they had this listed. I sent this letter certified mail which was signed by a XXXX on XXXX XXXX,2017. After not receiving the validation I sent Southern Financial another certified mail letter stating that false reporting is illegal and not responding to the request was also prohibited. On Thursday XXXX XXXX, 2017 Southern Financial sent a stack of papers. I received documentation that included the detailed list of medicines, codes, tests, and etc. I am aware that this collection agency is in COMPLETE HIPAA VIOLATION. This company intentionally violated my rights under the FCRA law as well as HIPAA. I previously had asked for total validation and they did not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with Global Trust Management LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Calls me daily. Someone named : " XXXX XXXX '' also contacted my employer, ALSO is stating she is calling back about an application I submitted. I HAVE NO IDEA what application they are talking about and they possibly put my JOB in jeopardy having them thinking it was a reference check for another job. 

I have NEVER heard of this company, the phone number does not offer the name of the business when you call it, I had to ask several times to get the name of this business and name of the representative that answered the phone after googling and reverse searching the number, they would not give me an answer when I asked if they were a bill collector " i can not respond to that question until I know who I am speaking to '' I asked to speak to a supervisor and overheard her mumbling to another voice before telling me that he was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with EQUIFAX, INC. (IL).
Issue: Billing disputes

Complaint: The issue is that Equifax Credit Bureau seems to have some personal issues when I am assessing their line for services that need to be corrected. I am tired of writing about the same things over and over. There are XXXX items that are totally incorrect. XXXX is XXXX credit which was reported long ago about their defective merchandise sold to me and I notified them several times and they did nothing. The second is XXXX, XXXX XXXX which was a secured card and you had to have money on it before you could use it. I believe I put at least XXXX on this card for my constant use as a credit card which is what it was as long as you had the money the account. Another is XXXX XXXX, a seller of damaged merchandise and not what was ordered. Told him also, and he ignored but could ask for payment. The other shows XXXX. There was a problem with them because when I would go to the line to make an affordable payment, they would not take it if it was not what they wanted. Called and was told same thing about what was due after I explained to them I need time to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Complaint is with Chase Bank. They 've never kept my notifications up when they promised they would, causing charges to come about unexpected. 
{$60.00} bill was taken out of my account at XXXX I deposited {$80.00} at XXXX Chase charges me an additional {$30.00}, claiming " Because of Time Zones we can charge you a late fee early ''. Account is now negative, at risk to MORE overdraft fees and I do n't have any more money to put in. 
Chase refuses to refund the money, stating " We 've already done it for you before '' Chase Bank is robbing people. Simply put. 
Chase is robbing people who do n't have any money. 
This stupid world is filled with crooked company 's shaking people 's pockets out and taking everything. 

My complaint is simple, but it makes a big impact on people 's lives. The quality of life which is stressed and burdened by scum bag companys is no longer acceptable. I 'm doing everything right and timely yet still being punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: After calling Nationstar Mortgage XXXX number there are no clear instructions about how to get a hold of a live Customer Service person. I had to go through a complete maze of entering numbers and finally had to blast my phone with rapid XXXX and # # # # to get someone on the line. Then when someone answered and I told them of their horrific system they got downright nasty with me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Last 2009 when I was stationed in XXXX for the XXXX XXXX I bought a XXXX through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the Experian, XXXX and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding 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 non-monetary relief
Consumer complaint received 09/28/2017 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: My credit profile shows 30 days late 60 days late incorrectly.

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