milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with Brown and Joseph, Ltd (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I just saw this Collection Account from Brown and Joseph , LTD which is showing {$0.00} balance. According to Brown and Joseph the collection was open on behalf of XXXX XXXX, which I have not done business with for a very long time and was never in debt with, hence it says {$0.00} balance. 

Also, I have never received any collection notices over mail or phone from Brown and Joseph , LTD or XXXX XXXX. 

This needs to be removed from my Credit Reports because the information is incorrect and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Medical debt) with NRA Group, LLC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.

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 09-10-2017 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: Equifax continues to confuse my ssn and credit with that of my younger brother 's. I 've filed an official complaint and a request to correct the information with Equifax several years back, but they have yet to fix the error. 

The Equifax dispute was filed back in XXXX of XXXX, Dispute Case Number XXXX. They responded to the dispute by sending me a reply email addressed to my brother 's name, instead of my name, with non of the wrong information and case of mistaken identity addressed. Equifax still does n't realize they are identifying the WRONG person with my SSN. 

On XXXX XXXX, XXXX, I requested an Equifax credit report using my ssn, but the credit report issued to me was in my brother 's name. All of my brother 's delinquent credit card and student loan data appears on my credit. 

My ssn and my brother 's ssn is only different by one digit, and we have had similar addresses in the past because we both use our parents ' address as our permanent address while we were in college and/or living abroad. I 'm attaching the Equifax credit report that I 've obtained using my ssn, but it being under my brother 's name. Furthermore, Equifax 's dispute website is down, making it impossible to file a dispute via internet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EQUIFAX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE EQUIFAX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. XXXX ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX/XXXX/XXXX I was expecting a cash deposit of {$1300.00} in my SunTrust account before releasing an item that I was selling online. The deposit was made at the SunTrust branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXXL XXXX at XXXX. After seen the updated transaction in my account I released the item. Few minutes later I noticed that the cash deposit was reverted, so immediately I called the bank. I spoke with the branch manager and she told me that the person who did the deposit went back to the teller and asked for a cash reversal. The teller without questions or ID verification gave him/her the money back from my account without my authorization or any prior notice, so the person got away with the money and the item. 
On the same day I submitted a claim that has not been solved yet. Today XXXX/XXXX/XXXX, I still waiting an answer from the SunTrust Bank. 
I hope you can help me to resolve this issue.

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 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient and XXXX split up my loans and encouraged forebereance when income driven repayment would have been a better suited option. Caused excessive fees and unrest, frustrating to get customer service to provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is now in charge of the small remainder of my student loan debt. They recently changed the terms of my loans without my consent. They changed my payment of {$220.00} per month to {$50.00} per month so they can tap me dry in terms of interest payments. I could change my online payment terms online because I was lucky enough to be paying attention to these sleazy tactics, however, shockingly enough, there is no way to do that online. Online, I am simply told my online payments are set up already and there is no way to change the terms. THIS IS UNCONSCIONABLE AND SELF-SERVING. Everyone should be aware of Navient 's tactics to tap their creditors dry, particularly with regard to student loans which are supposed to have a modicum of protections involved, by ahem, the Department of Education. UNCONSCIONABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: At the end of     XX/XX/XXXX /beginning of  XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the  2 l etters I 've written to their customer service.       XXXX   XXXX    2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of   XX/XX/XXXX  was for  XX/XX/XXXX  p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX .  Please correct this. I will send   XX/XX/XXXX   payment later this month. Thank you.       On   XXXX   XXXX    2017 I sent  : To whom it  may  concern : My last payment at the beginning of   XX/XX/XXXX  w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX  . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of   XX/XX/XXXX  t o reflect this and follow my wishes for payments in the future. Thank you.     As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time.     To anyone considering a mortgage, I would have a clause written in that the mortgage  may  never be sold to, bought by, etc. Ditech,  Greentree  or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have worked hard on my credit ever since learning about it 's importance. I was very naive on my private student loans. I thought they were all the same. It is only years later, that I am fully understanding these things. A couple years ago, I began reaching out to companies holding my student loans to get them on the road to paid. Unfortunately, this has been a terrible experience, that I am losing. When I called for the Federal Student Loans, they were easy to work with and easy to contact. For the private loans, it has been an impossible dance around obstacles. I have been " disconnected '' and found not able to reach the holder. Then, whenever I do reach a person, if I do n't agree to an outrageous payment plan, they are not interested in setting me up on a payment plan. If I say, I can only pay {$25.00}, they want {$50.00}. If I say I can pay {$50.00}, then want a {$100.00}. And, the merry-go-round continues. All the while, they are docking my credit like crazy. Every year, they are selling and reselling my debt. The next collector calls and the dance continues. I get every other hour roto dialed calls ( and when, I go on the site to select not to be texted or auto-called, it never saves - so it appears I am accepting these calls ). When I answer, the dance continues. I tell them I want to pay. They say without agreeing to their terms it is useless and they are unable to enter me into a repayment plan. This is impossible. Even when I am not working ( currently ) they are not willing to hold my loans or accept any payment other than their bottom line. HOW DO I END THIS NIGHTMARE THAT LOOKS TO BE FOR THE REST OF MY LIFE!!!!! If I only had known how much this was going to affect my life, I would NEVER HAVE SIGNED MY NAME FOR THE LOAN!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT).
Issue: Account opening, closing, or management

Complaint: I visited the XXXX XXXX, VT Peoples branch to update my information and remove the custodian on a securities account along with the custodian of the account and all necessary paperwork. Both the teller and XXXX XXXX, the woman who updated the account, said the custodian 's authorization to make the changes and remove the custodian was not needed and that the account had been updated. 

The following day, I received a phone call from XXXX XXXX to visit the branch again as there had been a problem with the paperwork and the custodian 's authorization was needed. During a phone conversation with XXXX XXXX XXXX ' customer service, XXXX XXXX, the customer service representative, informed me that XXXX XXXX was not listed in the securities employee database. 

In a follow-up phone call from XXXX XXXX, she accused me of suspicious activity by changing my name, address, and removing the custodian in XXXX visit and pushed for a reason as to why it would be so difficult for the custodian to authorize the change.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Today on XXXX XXXX/XXXX/2016 i saw an inquiry on my credit score, with a company name it CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX wich they did a hard pull. 
i did never authorize any inquiry or soliciting any service from this company. please i try to fix and get back with my credit and mistakes or fraudulent operation can hurt people like me trying to fix our credit scores.

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 05/22/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ARA Inc. contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling ARA Inc. that the debt was not my debt and please do not contact me anymore. ARA Inc. than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to ARA Inc. stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I am a Bank of America depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the BoA accts and has an IRA via Merrill as do I. BoA offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH BOA AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. BoA says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The BoA rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this a debt that my ex husband has done and am not paying for it .my ex-husband has used my name to get a credit card in my name without my permission and am paying for a debit that is not mine we have been divoceced since 2001 and I have no contact with him .and iam sick and treid of getting this bills that are not mine I do n't even have a credit card because of him.

Company response to consumer: Closed
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I SENT A DEBT VALIDATION REQUEST FOR XXXX ITEMS REPORTED I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " Original Creditor - XXXX XXXX '' WITH DIFFERENT AMOUNTS. i HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 2 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED.

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 03/16/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I was trying to do business with a company, which sent me a check for {$3800.00} to start the process. I deposited the check into my Chase bank account. the bank put a hold on it for four days. When the check cleared I cashed {$3700.00} of the deposited amount. A couple of days later I discovered a negative balance in my account and went inside the branch to find out what happened. The teller informed me that the {$3800.00} check was returned by the originator. I then proceeded to make a deposit to bring my account positive. Then I received a letter from the Fraud Department of Chase telling me to make whole the account, which I had already done so. I went back to the branch and showed them the letter when the branch staff informed me my account was frozen. The staff member tried in vain to unfreeze the account. I called the Chase Fraud Department and after repeated attempts they called me back and told me my account will be closed permanently and I would have to wait two weeks to get my money back. At this time my account has over {$30000.00} in it since recent deposits took place from my XXXX account. I found this behavior by the bank unacceptable and demanded immediate access to my money. However, the man from the Fraud Department refused to budge from his position.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (NC).
Issue: Account opening, closing, or management

Complaint: Suntrust bank has intense and unrealistic sales goals and tactics. They go as far as calling people ( telemarketing ) but try to describe it as " customer opportunities. '' They are one of many banks with awful sales tactics and how they push them on their employees. They are also one of the banks opening false accounts and credit cards for their consumers without their knowledge

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
Consumer complaint received 03/24/2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My wages have been garnished to pay this defaulted loan through Immediate Credit Recovery. I applied for Economic Hardship ; and regulary went to website ; saw status messages I did n't understand ; called Immediate Credit recovery they did n't return calls. I complained via myeddebt.gov. within the past week I called & was told garnishment was suspended & set up voluntary payments. I waited so I could do research. a few days later I call back to set up voluntary payments and find out that my account is on hold due to my complaint ; wage garnishment still in effect. My account will be on hold until Immediate Credit Recovery ( or Dept. of Ed ) investigates my complaint. This seems so retaliatory. I am glad I waited to attempt voluntary payments. I would have been paying via wage garnishments and voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have received several unsolicited credit card offers from USAA. When I call to ask them to remove my name, they tell me I have to send my request via fax. Why should I have to do this when I did n't request it? Other companies take my information over the phone with no problems.

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 09/21/2017 about Debt collection (Medical debt) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: recieved a recorded message on XXXX XXXX 2017 from a XXXX XXXX from Western Control Services stating " this is a call from a debt collector and read the mini-mirana " This communication is a attempt to collect a debt by a debt collector and any nformation obtain will be used for that purpose ''. left a number of XXXX XXXX XXXX i was entertainng some my family and they heard the message. according to the FDCP 805 ( a1 ) Commuincaton in connection with a debt should not be left on a recorder for anyone to hear. only name co name and phone numbr.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DIVERSIFIED CONSULTNTS #XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX Placed for collection: XX/XX/XXXX Responsibility: Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Cable/Cellular) Past Due: >$XXXX< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION<

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX and XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX    XXXX   is reporting late payments for  XXXX  and  XXXX   XXXX  on a credit card that was closed in  XXXX  and completely paid off  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 08/27/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX pages of documents attached clearly explains my complaint. 

Please instruct HSBC to comply with the FCRA law and amend their reporting and remove past reports.

Company response to consumer: Closed with explanation