milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I keep getting bills from XXXX trying to collect an amount the is NOT correct. XXXX removed the items from collection status and sold the bill to a collection company now they are trying to collect on a debt that is not correct. There has to be a lawsuit for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My wallet with SS card and debit card were stolen.

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 10/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX, my mortgage with Wells Fargo Bank ( loan # XXXX ) was paid off in its entirety. To date, my escrow overage AND mortgage over payment totaling in excess of {$10000.00}, has NOT been received. It occurred to me that Wells Fargo routinely charges its customers interest on monies owed them. Moreover if Wells Fargo engages in a " pattern and practice '' of this type of behavior, the potential for HUGE ( and improper ) profit taking, would seem wrong. I submit this for your agency 's consideration. Thank you, XXXX 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 05/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am a XXXX and I have been trying to apply for an Income Repayment Program through the XXXX XXXX XXXX XXXX loan XXXX program. I consolidated my loans with XXXX and I am unable to pay the monthly amount. I heard that I qualify for XXXX from my military service, but the XXXX XXXX 's XXXX in XXXX has been contacted several times about my loan from XXXX. My XXXX XXXX XXXX XXXX was disbanded in XXXX and the moved to XXXX in XXXX CA and they lost my information. I have my information and from XXXX XXXX and need to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Daniels Norelli Scully & Cecere, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: they took money from XXXX differnt bank accountThen they called the bank again without my authorization and tookmore money after the Settlement amount was satisfied. 

They are dishonest, rude, and been harassing me on the phone for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax continues to update my credit report with 5 zombie collection accounts that can not be verified or validated. I have asked them to validate this information multiple times and I have not received any form of validation of these accounts, but they continue to report them in my credit file. Three of the accounts that have the same alphanumeric characters ( XXXX ) listed as the Collection Agency 's name and the original creditor field is blank. XXXX of the accounts has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name and the original creditor field is blank. The 5th zombie account has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name. In addition to these entries not having the collection agency or original creditor 's names, there is also no address or telephone number for these XXXX negative entries in my credit file. I can not validate this information, nor can or has Equifax been able to provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I previously submitted a complaint on XXXX, XXXX, and Equifax, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXX, XXXX, and Equifax are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX 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 02-12-2018 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: Personal information incorrect

Complaint: I have three 3 credit card accounts. Chase is reporting two old addresses to XXXX and XXXX on all three accounts. I am trying to have my old addresses removed from my credit report and only have my current address listed on my report. I have lived at my current address for nearly five years. When I contacted XXXX   and XXXX  and asked them to delete the old addresses, they said they could not because Chase is still reporting these addresses each month. Please stop reporting my old addresses and please remove them from my credit file. The only address I should have listed is my current address. See attachment for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During a Chapter XXXX status ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage company changed their name and address without notifying me or my attorney. Thus causing many of my mortgage payments to arrive late incurring fees, fines and penalties. Only after the discharge of my chapter XXXX, was I informed of the new name and address changes. Several telephone contacts failed to resolve this issue. They were unwilling to remove or forgive the unfair late fees, fines and penalties but offered to " ... spread out the outstanding balance over the remaining life of the mortgage or attached it at the end ... '' Before filing chapter XXXX, I was seldom late and after the discharge of my chapter XXXX I 've not been late. I 've received harassing telephone calls from my mortgage company requesting the " outstanding balance ... '' at least twice a week.

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 09-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.

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 07/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from Midland Credit Management , Inc. with information on an account which is not mine, implying that it is and that I must make payments on it or else they will take legal action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Stearns and Lending refuses to apply my payment when my bank electronically sent them the money. They also refuse to return my calls, hang up on me, do n't reply to my questions via email and will not take the late charge off of my account ( even when an employee with Sterns confirmed my payment on time ) ( See notes attached ). My next payment will either be underpaid or sent back due to me not paying the late charge. My credit score is over XXXX and if it did n't cost to refinance I would. I have had several other mortgages throughout the years and have never experienced anything like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Checking or savings account Issue : Managing an account Chase responded to me on the above complaint. I was promised a check of the full amount to the checking account that Chase froze. I received only a letter that Chase was looking into the matter. 

This has been many months and still no resolution. 

The effect of this refusal of sending me the money in my bank account has caused a great hardship. 
The full effect of this is that funds from another account have been taken because of no resolution of this Chase matter. I can no long pay utilities, car payment, food, and daily living. 

This has been many months of refusal of the funds XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX, I called Bank of America regarding a debit to my account of {$200.00} from XXXX XXXX Card Services. I asked if the item would be returned before my direct deposit cleared on XX/XX/XXXX. The representative told me I would be charged a fee but it would not be returned. It was returned. I was charged not an overdraft fee, but a fee of {$35.00} for a returned item. What I have requested is that they not take my word for it, but review the recorded conversation between myself and the rep and supply me in writing that it was her error and not mine so I can forward it to my credit card company. I had XXXX choices, I could have deposited the {$200.00} or declined the extended credit limit from XXXX. One of the supervisors I talked to hung up on me ( although she noted " disconnected '' ). I was on a landline. We were not disconnected and she did not try to call me back. The next supervisor/manager I talked to continuously talked over me, repeating the same thing as if I were illiterate instead of listening to me and answering what I was asking her.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: My bank of America account was closed, sometime in 2013. It was my ex 's account and I was on it. Back in 2013, I moved out of the house and was told by Bank of America that BOTH parties had to come into close the account. After moving because of an XXXX, I forwarded my mail, however never received anything telling me the joint account we had was over drafted or being closed. I had already gotten a new account and my ex continued to use the old account. I did n't feel like I had a choice because my ex would not close the account. 

Moving forward, I 've tried to open an account and was denied as of a few weeks ago for a checking and savings account. Bank of America Had reported to XXXX that the account was over drafted and closed as of 2013!. I 've called bank of America telling them what happened, however, they do not care. I paid the over drafted amount in full, even though it was not my fault that the account was over drafted. 

It was XXXX paid in full as soon as I realized that I owed money. I 've asked them to delete this account with XXXX, as bank of america nor XXXX have my right address and this account was not being used by me and I had multiple requests to bank of america to take my name off this account. But bank of america will not send a delete letter to XXXX because they state they are reporting accurate information ( which they are 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 07-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Money was not available when promised

Complaint: I initiated a Funds transfer of {$2500.00} from XXXX XXXX on XXXX XXXX to CapitalOne. This transfer was initiated through CapitalOne mobile application. On XXXX XXXX at XXXX XXXX I received a notification from CapitalOne as confirmation via email that my transfer had been initiated and funds would be delivered by XXXX XXXX, XXXX. After 2 phone calls escalating the issue I was told funds would not be available until XXXX XXXX. This is only the most recent example of delayed transfers. This is a recurring problem.

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 Medical Data Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is two account on my XXXX and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.

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 04-07-2017 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. 
It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted TransUnion recently to dispute a trade line entry in the credit report TransUnion compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. TransUnion indicated that the dispute would be investigated and a response provided within 30 days. TransUnion closed the investigation without addressing the substance of the dispute ; rather TransUnion performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that TransUnion allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; TransUnion facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. TransUnion has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. TransUnion 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

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 07-10-2016 about Debt collection (Medical) with Account Management Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a bill from from a collection agency Account Management Services and disputed the validity of the debt, so I sent a certified letter of my dispute to these charges on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of certified letter disputing these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (OH).
Issue: Advertising, marketing or disclosures

Complaint: NetSpend sent me an unsolicited prepaid card. I did not ask for it, and despite what they claim in the fine print, I did not indicate interest in receiving similar offers. I did not apply for it, they mailed it to me out of the blue. My understanding is that this is illegal, and I intend to report them to the authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Your last response to our complaint you had stated you have not tried to collect the debt and that you have validated the debt ... XXXX and I received a notice from your agency yesterday in the mail, stating " this is an attempt to collect a debt '' Also has the information on how to pay your company and contact your company to pay the debt or make arrangements. To me this seems as if this is attempt to collect debt and you are not licensed to collect in the State of Utah. Secondly I asked that you provide us with full accounting information of the debt, supposed signature from XXXX and myself, full proof and validationof this debt. You mailed us the attempt letter with the copy of the judgement paper. This is not  validatingthat this debt is ours. I am going to ask that you either 1 delete this from our credit reports or 2 send us TRUE and VALID debt validation with all accounting information, application information, signatures, and  proof. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX and XXXX of 2017. I was never late.

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 02/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (NV).
Issue: Charged fees or interest you didn't expect

Complaint: I have a loan for {$1000.00} taken out in XX/XX/XXXX. I have paid six bi-weekly payments of {$220.00}, totally {$1300.00}. Plus an additional payment of {$220.00} that was recently taken despite the fact it was unauthorized ( more about that below ), making it a total of {$1500.00}. To date, the total amount I have paid ( which is {$540.00} more than the loan ) has gone towards interest only. 

In understand I took this loan, but the APR of 545.6883 % was not made known to me until after the loan was being funded. At a minimum, if I pay off this loan today, I will be paying a total of {$2600.00} for a {$1000.00} loan. I feel as though I have mislead and taken advantage of by Big Picture charging this exorbitant amount of interest, and failing to disclose the extremely high rate until after the loan was processed. 

I sent an email requesting to resolve this issue in an amicable manner, and revoking my prior ACH authorization, on XX/XX/XXXX. I followed up on XX/XX/XXXX, with a phone call to ask when I would receive a response and, again, revoking my ACH authorization. The customer service rep assured me that no further ACH transactions would be taken from my account, and that I would hear back shortly from the escalation team regarding my email. To date, I have not received correspondence back and Big Picture Loans processed an ACH transaction on XX/XX/XXXX. 

Furthermore, I don't believe this company is licensed to do business in my home state of Nevada. While I would like to resolve this issue, Big Picture Loans has been unresponsive and has blatantly ignored my requests by taking an ACH that was no longer authorized.

Company response to consumer: Closed with explanation