milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR MEDICAL SERVICES.  ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. XXXX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY 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 explanation
Consumer complaint received 12/16/2016 about Student loan (Federal student loan servicing) with College Foundation, Inc. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Payments were never late, always been enrolled full-time in school or there has been a forbearance in place or a deferment. Also all loans have now been paid off and consolidated but they have reported several loans with either XXXX or XXXX missed payments and this is negatively affecting my credit and journey of repairing and rebuilding my credit.

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 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: attempted to pay off the highest interest rate and it was never allowed to. i deferred my payments due to being laid off. and the end result was they lowered my payments in deception as to prolong my loans being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Money was not available when promised

Complaint: XXXX. XXXX faxed insurance check to be cosigned by Bank of America. Called on XXXX XXXX regarding status and they only " scanned '' check on the XXXX of XXXX. Today is the XXXX of XXXX and still have not received cosigned check. Their policy states the check will be cosigned and returned in 4 business days.

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 03/29/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been a WF Mortgage client for over 20 years. My home, under contract, is scheduled to close on XX/XX/XXXX. In spite of being notified of the above Wells Fargo Mortgage made several harassing phone calls to me, at work, when the payments were not ( or ever in the loan 's history ) 30 days past due. They admitted that they had been notified on the closing of the loan but defended their actions. They refused to provide me with the contact information of any government agency that provides oversight of the mortgage company. My last point of contact was XXXX at XXXX who id 's herself as a supervisor.

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 10/29/2015 about Money transfers (International money transfer) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Money was not available when promised

Complaint: On XXXX XXXX a wire transfer of {$23000.00} was made through Popular Bank from a corporate account in XXXX XXXX to a supplier 's corporate account in XXXX Bank, XXXX. To this date XXXX/XXXX/2015 the funds have not been received by the beneficiary. After numerous contacts and follow ups with Popular Bank 's representative we have been provided with little information as to what is going on. The bank charged me {$20.00} to do a TRACE on the transaction and 10 days later i still do n't have an official answer. after numerouse follow ups Popular Bank finally informed me that the funds were being withheld by XXXX XXXX XXXX XXXX XXXX bank ) because of an XXXX regulation. I verify the XXXX list and my supplier is not listed by XXXX and I ask the bank about it and they do n't know what the issue is because its XXXX XXXX XXXX holding the funds. On XXXX XXXX, Popular Bank informs me I need to provide additional information from the beneficiary, this information was provided the same day. Ten days have gone by and still we have no answer nor explanation as to why the money has not reached its destination or been re-deposited in my corporate account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NATIONSTAR MORTGAGE LOAN NO. XXXX IS REPORTING TO CREDIT BUREAUS AS FORECLOSURE AND JUDGEMENT AS OF XX/XX/2014, THIS LOAN WAS TRANSFERRED, THIS FALSE REPORTING ISIN VIOLATION OF DODD-FRACK ACT, FDCPA, F.C.R.A RESPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted originally back in year 2015 by Trident Asset Management for a debt from XXXX XXXX. At that time I instructed them that can not be true, because I had successfully returned all the equipment from the company, so there shouldn't be any debt. I even confirmed with XXXX that the equipment was returned and nothing was owed. However since then, I've been sent letters, harassing phone calls and a negative stain placed on my credit history. Such malicious and egregious besmirchment is both unfair and illegal. I would like this to be disputed entirely and removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Billing statement

Complaint: I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I just have a simple complaint about the business overall. My credit card was issued through XXXX XXXX XXXX, and is managed by TD bank. It is no longer an active card, as XXXX has changed its banking since then, or some such thing. My complaint is -- I ca n't reach a person. Their round and round automation can make a person unpeel. I ca n't remember the dates in the past, but I have tried to call them twice about issues I had when trying to make a payment. On XXXX XXXX, 2017 I called to discuss my bill with someone. Nope. I am current on payments, but I wanted to discuss my next payment. Obviously the banks are on to the blanket advice from financial advisors to " talk to the company, they 'll deal with you '' It 's time for consumers to stop putting up with this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. 

WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. 

COMPLY ... NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credence XXXX, GA, XXXX called me requesting personal information, like social security, home address, cell phone, when i ak, why ; they told me was for a unpaid bill for att uverse account, i told them, i never owned any account with XXXX, and to please tell me what information, they had on file. they refused to give me any information, they only wanted my social security and other personal information, prior to verifying the info. i off course hang up. 
then i received a letter stating if i did not respond within 30 days, the discput the validity. once i call, again, they need my name, sacial security numbers, i told them i provide the credence reference id :, but once again, they infomred me that i need to provide all information. 
i had my lawyer deal with the problem, but i fell this is illigal tatics in hope to obtaine personal information for them to potentially sell. 
i called att and they told me that the account look like a fictious XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: We request your action against an online merchant 's fraud. The merchant charged our credit card after the order was cancelled. 

The merchant has provided deceitful reason to justify for charging our card. The merchant claimed to credit card company that it advised that it will not be able to issue credit back for the merchandise that had been already shipped. The Merchant did not advise it to us when we placed the order. 

We placed single order to merchant and cancel it in less than 24 hours before it was delivered. Although the merchant 's representative, XXXX XXXX XXXX, Account Manager confirmed the cancellation of the order via email, the merchant is fraudulently holding our credit for delivery of partial order that too after 5 days of order cancellation. 

We also request to take an action against the XXXX XXXX as it fails to receive our many from the Merchant even after 3 months and closed our billing dispute twice without getting our full credit back from the merchant. Merchant 's representatives XXXX XXXX and his supervisor, XXXX XXXX XXXX failed to respond our numerous phone calls. They failed to respond our email notice dated XXXX XXXX, 2016 for possible fraud charges for holding credit of cancelled order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with DISCOVER BANK (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I 've applied for a checking account wi th Discover four times now, and each time I was denied. Discover is refusing to tell me why, and refers me to   XXXX   XXXX  .   XXXX   XXXX   has no information to provide me, and refers me back to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score dropped XXXX points ... AGAIN due to an inaccurate reporting on this agency 's behalf. I have also, yet again, not experienced the same issue with either of the XXXX other reporting agencies ( my account balance is correct on each on, reflected a closed account with a {$0.00} balance. ) I recently refinanced my auto loan with XXXX, and they added the new account to my report which is fine. What was not okay, is that TransUnion reported the new information, but is still reporting that I owe the total of my previous loan payment with XXXX XXXX XXXX XXXX. This error, again, has drastically dropped my score due to the agency not reporting my balance as closed with {$0.00} balance as opposed to closed with a XXXX balance.

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 04-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I received an email saying I would be awarded a free gift or taking a survey. I completed the survey, picked a watch as my free gift ( the other free gifts were facial products for women ), and was instructed I had to pay shipping charges of {$6.00}, which I did with my credit card. 
In XXXX I received my credit card invoice with a charge for the shipping and another charge for a watch. The merchant had my credit card information for the shipping charge and two weeks later charged me for the " free '' gift watch.I called the credit card company on XX/XX/XXXX to dispute the charge for the watch, and as instructed, paid the rest of the invoice, including the shipping charge. 
The credit card company says that after checking my dispute they agree with the merchant and that I owe this charge even though in a telephone conversation with their Dispute Department, they admitted this was a scam by the merchant. 
I feel credit cad companies have a responsibility to protect their cardholders from practices like these by predatory companies.

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 11/17/2017 about Debt collection (Other debt) with GC Services Limited Partnership (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of XXXX I ordered an XXXX from XXXX using their online store for a total of {$770.00}, when I made the order I mistakenly ordered a 9.7 inch XXXX when I wanted to 12 inch. I immediately called XXXX to change the order, the agent on the phone took the new order and canceled the original order. 

XXXX mailed both XXXX to my home address and started billing me for both XXXX including ; {$32.00} per month for the tablet purchase {$10.00} per month for the carrier access fees {$34.00} per month for the highspeed data When I received the devices I notified XXXX by phone they had sent two devices and I need to return one. They said they would send a return shipping label for the device, but that did not arrive. 

Over the course of 6 months I made repeated attempts to return the device with XXXX via phone, eMail and store visits. From XXXX until XXXX I consistently paid the bill in full every month despite the over charges for the XXXX. It should be noted I had a number of devices in addition to the iPad in question. In XXXX of XXXX I was finally able to return the device to XXXX, but out of frustration I canceled all services with XXXX and returned the remaining devices. 

I was credited {$760.00} for the XXXX, but given no credits for the services ( 6 Months * $ {$44.00} = {$260.00} ). XXXX then started to charge additional fees for other devices returned and for base cell service ( Given a base charge would be shared with the other devices ). 

Now XXXX has recharged for the tablet and is again charging services for a device I did not order, was delivered in error and returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Auto) with Byrider Franchising, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In reference to CNAC-TX XXXX # XXXX account. 
Check issued : XX/XX/2017 for {$2100.00} as paid in full. 

To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay {$2100.00} which will be paid by XXXX XXXX in the form of a check. If you agree to delete this account from any and all credit reporting agencies XXXX XXXX will release funds as promise, and there will not be a stop payment on the check in the amount of {$2100.00}. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. 

If you agree to the terms and accept this agreement, XXXX XXXX will release funds as promised only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within 15 calendar days of receiving the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.

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