milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for  any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was directed to annualcreditreport.gov which sent me to FTC consumer mationinformation wed site, free credit reports, which then directed me to thelink annualcredit-report.com, clicked on request your free credit report XXXX XXXX took me to XXXX clicked on request your free credit reports, which took me to XXXX filled in all my personal information as well as XXXX, & clickedon NEXT ; this is what I got instead of my credit report : There is no Action mapped for namespace [ XXXX ] and action name [ null ] associated with context path [ XXXX ]. 
XXXXSo now I 'm wondering if this website is a scam, and I 'm afraid someonehatched my information. Whose website is this that your agency is send-XXXX me to. Can you please explained to me what happenedhere. Many people are directed beside myself to this website! 
Thank you for your attention to this grievous situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  fail to follow the WA Deed Of Trust  Act ( DOTA ).    XXXX   XXXX   XXXX  illegal foreclosed upon our home of  XXXX  yeats after Chase giveup their trustee of standing. quality  XXXX   XXXX   XXXX   XXXX    XXXX   broke the Consumers Protection law of WA  State RCW 19.86 CP A. The federal law will void all court orders for lack of jurisdiction because  Chase  give up Their trustee of standing that was filed in public records  XXXX / XXXX / 2011 . The scans that I have provided show  XXXX   XXXX   XXXX  lack the power of sale under WA state Law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have some various inquiries in my credit accounts. All 3 : XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company continues to call harrassing my elderly parents, the business office of my ex husband and myself. Identifies through voice mail the personal information that he should only be sharing with myself. Also, I asked for him to provide me in writing the information of this debt, as I do not have any knowledge of it, and when I requested this information he became very rude. All I want is this information in writing and for him to quit calling my employment and my family members. He has my number and address if he needs to get ahold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A Collection agency has pulled XXXX hard inquery on my Experian credit report with out my permission and for no legal permisable reason I have contacted them and had no coperation I would like to have them send me a letter just saying i did not authorize them to get a copy of my credit report. I have talked to experian and they recommended i file a complaint Thank you XXXX XXXX the compants name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (GA).
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: I have sent many dispute letters to XXXX and XXXX in regards to the Discover Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

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 12/18/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Credit determination

Complaint: On XX/XX/2016, I applied for a credit card from Wells Fargo since I have a checking account with Wells Fargo that both of my XXXX retirement checks are direct deposited every month. Application # XXXX. I was denied an unsecured credit card but offered a secured credit card. I applied and the bank said they were unable to verify my identity. They instructed me to go to a branch with my proof of identity and have a banker fax it to the credit department. I did that and was again denied because they claim they are unable to verify my identity. I sent corporate office in XXXX XXXX, California a complaint via certified mail, and attached copies of all my identification which was delivered on XX/XX/2016. They did not respond. On XX/XX/2016, I called Wells Fargo Executive Credit Cards at XXXX and spoke with Sue. She said that she would check into it. We spoke the next day and she told me to go the branch and have manager, XXXX XXXX scan XXXX documents that Sue requested so I would be approved. 2 days later XXXX told me that they still can not verify my identity. I was extremely frustrated with Wells Fargo and on that same day I applied for a credit card from XXXX and was approved. I believe that Wells Fargo Bank has discriminated against me because I am XXXX under Federal Law and because both of my incomes are XXXX retirement incomes, which are direct deposited into my Wells Fargo checking account.

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 02-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: A company debited my account without permission iao of XXXX. I contacted the bank to advise of the transaction and was asked did I contact the merchant directly. I contacted the merchant, who did not follow-up on the claim. XX/XX/XXXX after no refund from the merchant I filed a claim with the bank. I was advised a few weeks later that it was declined as previous business occurred. I was not happy with that response because it was not authorized therefore I called the bank again, spoke to upper level management and was advised 90 statue of limitations expired. I contact the bank a week later spoke to another manager and was advised 120 day statue of limitations. In the meantime my account was closed and I know have a -XXXX account that has turned into over {$600.00} worth of fees. I run a business and need my account. I have been a longtime customer with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Debt collection (Auto) with Coastal Credit, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sued in 2003 by XXXX. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX Municipal Court XXXX, Ohio. XXXX. 2003 CVF XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Diversified Recovery Services Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We signed up for XXXX XXXX because it was a XXXX XXXX. Our son is XXXX, and it was important for us to have a nurturing environment. What we received was anything but. Teachers were unresponsive, and uncaring about the situation. We paid {$2100.00} and after they refused to address our concerns we stopped paying. XXXX in turn locked him out of classes. When they finally responded, they offered for us to pay for extensions so he could finish classes, and then if he could not finish, to pay another {$3000.00} to take the classes all over again. That was their solution. We of course refused. They in turned cancelled our account and when I pulled up my credit report a year later, they had hired a collection agency and put a {$1500.00} charge off on my credit report. When I pulled up my wife 's credit report, they had put it on her credit as well. She had nothing to do with XXXX, never signed anything, never spoke to them at all. When I contacted XXXX XXXX at XXXX multiple times he simply never responded.He did n't even respond. When I started complaining on social media last week, only then did they respond. They said they removed everything from wife 's credit long ago, that was a lie They then refused to discuss the matter, DIversified Recovery services refused to take it off our credit for 2 years, same with XXXX. We have been denied loans, seen our interest rates go up. Etc.. They only now said they would take it off. XXXX and XXXX are the Accreditation people who allowed this to happen. When informed they did nothing.

Company response to consumer: Untimely response
Consumer complaint received 01-10-2018 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. 

If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (I do not know) with MRS BPO, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have an equity loan with BOA for the last 15 years in the amount of XXXX which will endon XXXX XXXX, 2015 with never a late payment. I now have notice from BOA that my newpayment after XXXX XXXX will be XXXX or XXXX times the previous amount. Is this amount? 
fair? I have a XXXX year old father who will be out on the street if this happens.Please adviseme.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I 've made several attempts to reach XXXX XXXX at Wells Fargo who was assigned to assist me in getting assistance to modify my loan. These calls began on XXXX 2017. After becoming frustrated I was finally transferred to a supervisor XXXX XXXX XXXX. At that time I was only 6 payments behind. XXXX XXXX then advised me that Wells Fargo had filed a notice of default on my home. I mentioned to XXXX XXXX I need help with a modification and I asked for a reinstatement quote. On XXXX XXXX, I had notice of sale posted on my home. No one from Wells Fargo has tried to assist me in bringing my payments current.

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 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: on XXXX XXXX XXXX in XXXX sent a check and payoff letter to Citi bank. The payoff letter contained my Name, address, and account number. On XXXX Citi bank deposited the check but never applied it to my credit card. A month goes by and I got a late fee, so I go to XXXX XXXX and we do a XXXX way call and XXXX had XXXX XXXX send in a research request. A month later they said that we needed to ask for another request, which we faxed in, they also claimed that there was no letter with the check. Per XXXX XXXX policy they have to send a letter, and they gave me a copy of the letter that was sent. Then XXXX weeks ago we did another XXXX way call and they said they were in process of taking care of. Now in XXXX it has been submitted to collections. The bank could not reissue the check since XXXX deposited and already received the funds. As of right now XXXX has stole my money.

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