milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ACH transactions from an account at XXXX XXXX ( {$900.00} on XXXX XXXX 2017,  {$1500.00} on XXXX XXXX 2017, and {$900.00} on XXXX XXXX 2017, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017 by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, XXXX. XXXX XXXX of XXXX of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, XXXX. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: Hello, I have a conventional mortgage with Wells Fargo. I was concerned that my mortgage payment had not been successfully debited from my bank checking account, so I logged into Wells Fargo to check my account TWICE - on XX/XX/XXXX and XX/XX/XXXX. On BOTH those occasions, my online account showed that the account was in good standing and my payment had indeed been made to my mortgage on XX/XX/XXXX as it is scheduled to automatically debit on that date. Yesterday, XX/XX/XXXX, I received an email from Wells Fargo that stated that my payment had NOT been made due to insufficient funds in my bank checking account. This was the first time that I had proactively been told that anything was wrong with my XX/XX/XXXX  payment. Conveniently, Wells Fargo only notifies one of a failed payment AFTER their 15 day grace period! They charged my account {$59.00} for late fees. What is also odd is that Wells Fargo let me schedule my payment for the XX/XX/XXXX even though the due date XX/XX/XXXX! This burns 5 days of " grace. '' I always assumed that if Wells Fargo allows me to pay on a particular day, then that is synonymous with the due date. Why would I want to schedule my monthly payment LATE every month?! Seems very odd. On top of this, Wells Fargo has removed the ability to edit or modify your automatically scheduled payment. They make it difficult to alter your payment due date or amount ( e.g. if you want to pay extra against your principle ). They set up their systems to proactively tell you your payments have been made, when they have not and then notify you AFTER their 15 day grace period, that, in fact, the payment had not posted, then charge you fees for this. Their system and processes are created to generate fees. Providing FALSE and inaccurate account information simply is NOT ethical. Showing in your online account that your payment has posted and been made is unethical.

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 05/20/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I received a phone call telling me that a Western Union transfer I had made in XXXX 2013 had not been collected and requesting personal information for ID verification to initiate a refund. I refused to give any personal information and contacted Western Union via their web site to see if this was genuine or a scam. Western Union confirmed it was genuine and said a refund would be made within XXXX hours. 
After XXXX online chat sessions and XXXX written communications over a XXXX week period each XXXX promising a resolution in between XXXX hours and XXXX week, I have still not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
These accounts disputed by the Department of Education, none of these 2016 dates to the right should be existing ( where late payment history shows ), and none of the columns showing pass due should have any number in it as they are NOT in collection and the verbiage should be on the credit line as in collection because it is not, such as column XXXX acct # XXXX. ) This is inaccurate. I am requesting that these accounts be corrected. 
Also account # XXXX ( XXXX ) has been satisfied entirely and account # XXXX ( XXXX ) has been satisfied. I respectfully request that these are also corrected. 
Enclosed are copies of XXXX XXXX repayment for the accounts listed in your bureau supporting my position. Please reinvestigate these matters and correct the disputed items as soon as possible. 
Sincerely, XXXX 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 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was formerly a tenant of XXXX XXXX XXXX. The apartment attempted to illegally evict me ( did not notify me prior to eviction proceedings ). I have fought this eviction through HUD. We went to court against the plaintiff XXXX XXXX XXXX, to which, the case was dismissed at the cost of the plaintiff and no judgement was made against me. I contacted the debt collection company that is now managing this debt, and says she can still pursue collection for damages. They are claiming this is for rent and damages, however, it is an exorbitant amount, one of which I do not owe according to Ohio Law. She said the hearing is separate and they are authorized to pursue collection activity. She said the amount could be adjusted to reflect the amount of monies XXXX XXXX XXXX recuperated after acquiring a new tenant, however, this amount has yet to be adjusted. If the case was dismissed in court at the cost of the plaintiff, how can collection supercede a judge 's decision. Additionally, I have been unable to rent due to this disparaging item on my credit report. I am not seeking monetary relief, solely the removal of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My monthly payments ( income based ) were doubled XXXX without my income doubling. I was already barely able to afford my current payments and needless to say this was becoming a XXXX financially threatening our young family ( we have XXXX young kids ). After contacting Navient multiple times both via phone and their portal I inquired as to how this was happening and what my options were. I was given no solutions or explanations via the portal ( all of this is documented ) and the only solution given via one phone call was forbearance. This is not a long-term strategy but given the circumstances and attempting 3 months of these unreasonable payments my husband and I decided for forbearance for 12 months. I had also asked for the calculation that lead them to this amount given that I was possibly eligible for extra income ( bonuses ) and this could further threaten our payments yet again no answer was provided and I could not make an educated decision about certain financial items. The income based repayment program appears random at this point and that Navient was unable to provide the calculation used to determine my monthly payments suggests the randomness and does not allow consumers to make educated decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX, XXXX, I applied for an apartment and my application was denied due to Equifax reporting inaccurate information on my credit file from identity theft incendents that have already previously been confirmed as identity theft and removed from my credit reports and files. I want every trace of the identity theft removed from my credit files so that I will never have this issue again when applying for credit. It 's not fair that I, as a victim, am still suffering from with the acts of XXXX against me at the identity Theft 's hands .... Please update my credit file promptly, so that any judgements, rental history, credit cards and loans are no longer showing on my reports as a result of fraud. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.

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 01-04-2018 about Student loan (Private student loan) with ACS Education Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have been a customer with Bank of America for many years. Mostly, I am happy with their service. However, on the date of XX/XX/XXXX, I was given XXXX overdraft fees totally XXXX dollars. Now, I plan my funds out to a tee with each direct deposit. I found it odd, and upsetting that the order my transactions were processed, is what caused me these overdraft fees. When I called the XXXX number, I was tossed around from rep to rep. I was even once disconnected, and not called back. I then made an appointment, and entered a branch, where I was treated with disrespect. These persons explained I could not have either fee reversed, because I had one earlier in the month ( 3rd party error ). My complaint is this : how are you, as my financial institution, allowed to pick and choose? Why when I asked how many a person was allows annually, I was given several different answers? Please do not pick and choose your fees based on how a customer is paid. I am given XXXX separate direct deposits every two weeks. By the end of the month, I bring your bank close to XXXX in MY income. You ca n't give me back XXXX measly dollars back in fees? I 'm seriously confused, and upset by this.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in   XX/XX/XXXX   and paid it off  in   XX/XX/XXXX  .  All   XXXX  c redit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with CITIBANK, N.A. (ID).
Issue: Billing disputes

Complaint: I sent my payment to MACY 's via online banking on XXXX XXXX. It was for payment in full. The payment was miss applied to another account, that not only was delinquent, was " charged off '' due to a bankruptcy! I 've asked it to be corrected. Macy 's admits they have my funds, YET they want me to FAX them a copy of my bank statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I had a previous collection account with XXXX XXXX. This account was settled on XXXX/XXXX/XXXX and it was closed. As of XXXX/XXXX/XXXX i had a notice that there had been a hard inquiry on my experian credit report from XXXX, i contacted the agency and they told me that no one had ran my credit and my account was closed years ago. so they refused to help me. I contacted experian on the problem but they said that since it 's not fraud there is nothing they can do, i most contact consumer finance .gov and report them.. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Payday loan () with National Credit Adjusters, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: On  XXXX / XXXX /  XXXX   I received a call from  XXXX . I answered my cell phone and talked to a  XXXX   XXXX . He told me he was calling of an old payday loan that was sold to his company from  XXXX   XXXX . I asked him how much did I owe. He told me that I can go on 4 monthly payments of {$390.00} per month, 6 monthly payments of {$350.00}, or {$260.00} for 8 months. He also told me I have a balance of {$2100.00}. I called  XXXX   XXXX  they told me I borrowed {$1000.00}. I asked  XXXX   XXXX  if you can mail me verification of debt. His comment was that he does n't have to provide any verification of debt. I thought that was a federal law to provide verification of debt. I never received any notification from  XXXX   XXXX  that the loan was being sold to another company. I asked  XXXX   XXXX  which company he represents he told me  XXXX   XXXX  and then told me he represents  XXXX   XXXX   XXXX . I have no idea if this company is legit or they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Settlement process and costs

Complaint: Disputing the multitude of lies from Wells Fargo.

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 10-07-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: I have inquires in my report about back accounts I did not try to open

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone has been using my credit information and are applying for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I get calls from unknown number asking me to verify my information. I requested to know who is calling and regarding what. They would not give me information without verifying my personal information. The first person who called by the name of XXXX XXXX claims to be calling from the XXXX county office she states that there is a case filed against my daughter and are attempting to serve papers. They asked me to call XXXX and ref # XXXX. I called this number and asked what business is this they said XXXX XXXX they are talking about a debt which I owe Jared Jewelers {$300.00}. I informed them I have not received any communication can you send me the information by mail which they are refusing and stated that the matter needs to be resolved within the next hour and over the phone by paying {$890.00} or making payment arrangements of XXXX installments of {$310.00} or they would file a case. this i was informed by XXXX XXXX XXXX 's when I called over the phone to get further information. They are refusing to give their organization address or to send proper information regarding the debt. On this same debt we had threatening callings before a year back and now they have started again. They said we will serve the notice at my daughter 's work place. Which this information was not provided to them. They call blocking their numbers and leave messages. This debt does not even show on my credit report. Need your help I feel I am getting scammed by this people. The harassment needs to stop. 

The original creditor contacted me when I was behind and I explained the situation at that time I was going through. After that the original creditor never contacted me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This company called me and asked who my mom was before they introduced themselves to me or informed me that they were trying to collect a debt. Very unprofessional in their handling of this situation. I was hung up on three times and heard some very rude statements about why we did n't pay the bill sooner. We never received a final bill from XXXX XXXX XXXX after switching to XXXX. I am authorized to make changes to the account with XXXX XXXX XXXX but the account is formally in my mom 's name and our access to the account was revoked the moment we switched. Three months later we 're getting calls from this collection agency without a detail of the bill that is well over the amount we should have owed and they wo n't offer a contact number to verify the amount of the debt. Even stated " Tell your mom good luck in resolving this '' before hanging up on me.

Company response to consumer: Closed with explanation