milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Credit card () with WELLS FARGO & COMPANY (WI).
Issue: Customer service / Customer relations

Complaint: Wells Fargo special interest free credit cards. XXXX problems with paying the card. 
1. When doing a monthly payment, one can not put in cents. This is a problem due to not being able to take the payment and dividing it by XXXX. One needs to calculate the first payment to include the cents of future payments because there web site can not handle cents on monthly payments. 

2. This is the most egregious. When setting up a monthly payment one can not set an end date. Thus, a year from setting this up, one needs to remember to cancel the monthly payment, else they will continue to take withdrawals. You then need to request that they refund your overpayment. 

3. Their web site is unaware of payments and will not allow monthly payments until current payments are processed. It took three days for me. This was annoying because I needed to continue coming back to the site so I could do monthly payment. 

4. Although the contact people were pleasant, they were hampered by the web site being poorly set up with restrictions that there was no solution to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with Penn Credit Corporation (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Struggling to pay mortgage

Complaint: Borrower is currently facing a foreclosure sale of his home scheduled to be held on XXXX XXXX, 2017. Please see notice of sale attached hereto. On XXXX XXXX, 2017 borrower, through his attorneys, submitted a complete application for loss mitigation to his loan servicer PHH Mortgage. Please see application for loss mitigation and confirmation of fax delivery attached hereto. On XXXX XXXX, 2017 PHH Mortgage issued a letter stating that borrower 's application for loss mitigation was been denied as incomplete. This letter cited no documents as missing from borrower 's application. Please see letter from PHH Mortgage dated XXXX XXXX, 2017 attached hereto. We assert that borrower 's complete application was submitted more than 37 days prior to a sale date andso PHH is required by 12 CFR 1024.41 ( c ) ( 1 ) to evaluate borrower for all loss mitigation within 30 days of receipt of the complete application. Additionally, PHH Mortgage failed to cite any documents as missing  from borrower 's application in their notice of XXXX XXXX, 2017. This being the case, pursuant to 12 CFR 1024.41 ( c ) ( 2 ) ( iv ) borrower 's application for assistance is facially complete. As borrower 's application is facially complete, borrower is forbidden from conducting the foreclosure sale by 12 CFR 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been associated with a XXXX XXXX who lived or lives in XXXX XXXX, Michigan for years and believe it has had a negative impact on my report. Also some birthdate saying I was born in XX/XX/XXXX. I would like an explanation for this and what it is this person in XXXX XXXX is doing on my credit report, and would like it removed.

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 10/26/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged {$100.00} in overdraft fees even though I put money into the account. I asked for {$35.00} to be refunded and that was refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF OMAHA (KS).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my 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 10-07-2015 about Credit card () with CITIBANK, N.A. (SC).
Issue: Billing disputes

Complaint: I have always made automatic payments on my card. I did not see, nor was I contacted to let me know that the recurring/automatic payments were stopped. The company changed websites and appears to have changed the issuing bank, which I believe led to the auto pay stopping. My balance due was only {$20.00}, but then they charged me over {$60.00} in late fees! I have no issue paying the balance due whenever the auto pay was stopped, but they will not accept that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the Department of Veterans Affairs ( VA ) believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : VeteranXXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report per para 3C of 31 state agreement XXXX attached ) which states " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). '' The VA accounts were for overpayments and not consumer credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/2016, my husband drove my son 's XXXX to XXXX in XXXX, NC. I followed him so we could leave the car there. After receiving a call from XXXX, the owner, that the car was ready, we went there, paid the bill, and left. Over the next few days, the car began to run nearly as bad as it did when we initially dropped it off. My husband and I went to XXXX to ask XXXX XXXX about the repairs. This is when the problems began. We agree the radiator repairs were completed satisfactory, but there have been consistent issues with how poorly the car runs. Since our initial claim with XXXX and Chase, we have consistently been denied any form of resolution. Chase finally indicated we needed a third party appraisal. My husband contacted XXXX other repair facilities, but after receiving Chase 's final denial letter, my husband called the XXXX repair facilities and no one indicated that Chase had made any form of inquiry. My husband requested that Chase provide us with written documentation explaining their findings as to why they denied my claim. My husband finally spoke with XXXX, a female at Chase. She denied any additional information and stated that since I had received the final denial letter, she would not discuss the issue any further and refused to provide any verbal communication or written documentation explaining their findings as to why they denied my claim. I have provided additional documentation with this claim. Chase has provided no help to me, the consumer, but had rather defend the business rather than their customer. Additionally, XXXX claimed we had not contacted him about this issue after the initial repair and he also told this to Chase. I have included a copy of the XXXX 's certified receipt where my certified letter to XXXX was received.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PROFESSIONAL MED ADJ BUR is trying to collect a {$260.00} medical bill that was paid by my XXXX when I was pregnant. I have told them and given them my XXXX card # to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I paid my federal taxes in full and the lien was released but it is still reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I had an overdraft fee of {$100.00} just about for TDBank. I go to open an account at XXXX Bank and I am denied due to the fact the back closed the account which I knew but hadno idea that it would go to a collection agency. Then I had paid it off and went to open the account because I was told that TDBAnk was only holding my account through their Credit systems and it would be clear. Well I went the next day to open my account and still could not. I need this account for my new job and it is very important. How can I fix this problem as soon as possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Now it is costing me hours of my time and money to freeze my credit report -- and I will need to continue expending this time, money, and energy to freeze and unfreeze these reports for the foreseeable future. In particular, I have STILL been unable to retrieve a credit report, set up a fraud alert, or freeze my credit with two major vendors ( Equifax included ), despite trying for hours.
This is an undue burden from a company I have never chosen to do business with, as they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am  compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with Retail Merchants Associates (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was an ORAL TRADE FOR LABOR agreement between myself and XXXX XXXX XXXX back almost XXXX years ago now for an exchange of labor services for XXXX work. 

He let me do ALL of his XXXX work in exchange for no bills promised on XXXX work and sent me to collection almost ten years later. 

I 've notified the Credit Bureau of Louisiana that the debt is invalid as I never agreed nor signed to any charges what so ever with XXXX XXXX XXXX ( nor would I have ever agree to pay his prices in the first place, I was a broke college kid ). 

They sent me a copy of what looked to be a Word Document with no signature proof, no verbal proof and no authorization from me what so ever for authorization of a charge/contract. 

The credit bureaus have been removing this, and the CBOFLA keeps adding it back on after it has been disputed off, which is illegal as well as far as I 'm aware. 

CBOFLA is the Credit Bureau of Louisiana for reference.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and XXXX department and my credit was obtain by lenders XXXX XXXX XXXX XXXX, US Bank, XXXX, etc. ) that was not authorized. The XXXX XXXX sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.

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 05/23/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ARS ACCOUNT RESOLUTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTIONor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1969 CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a copy of my credit report from Experion via a loan request through XXXX XXXX XXXX. Under Key factors affecting my score was listed : Number of delinquent accounts. I have no delinquent accounts and have never had a delinquent 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 11/20/2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Calif check cashing charging 150 % interest on a loan I took outand I am XXXX and ca n't pay this ; no one said what the interestrate was. 
They keep calling me and my family and telling my business.

Company response to consumer: Closed with explanation