milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. 
I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. 
I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. 
I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.

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 02-05-2018 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: Personal information incorrect

Complaint: I frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the process of negotiating a short sale with my first lender SPS, and they already issued approval once before, and after we requested an extension on the appproval since the XXXX lender did not approve the short sale until after SPS ' approval expired, SPS did a new BPO on the property. The XXXX value came back substantially higher than the already approved price that Buyer agreed to, and the BPO had many glaring errors- the valuation used properties more than XXXX mile away, in different school districts, more desirable neighborhoods, comps that were not even sold, etc. This is the 2nd time SPS has done this on this same exact file. Their first BPO had the same exact glaring errors and they sat on it and did nothing until a prior CFPB complaint was filed. They need to be fined as this repetitive action is becoming malicious and affecting the lives of the Seller and Buyer extremely negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Credit decision / Underwriting

Complaint: I was married with a second mortgage on a home. We divorced 10 years ago, she remained in the house. The second mortgage was n't getting paid and was charged off in XXXX of 2013. She went to sell the house and the bank would only accept a payment of $ XXXX for the balance of the charged off loan ( $ XXXX ). We offered to pay the full balance because there was $ XXXX plus in equity. The bank refused the money and we paid the $ XXXX Now the bank is reporting this as a short-sale. This was not a short sale due to the fact that we walked away with $ XXXX at closing. There was more than enough money at closing to pay this debt and we offered to pay the debt. Also, with the charge off, I had already written off the $ XXXX in my taxes as an income.. Is this bank able to collect money on a short-sale that has been written off? Im try to get another mortgage now and move on in my life and this " short sale '' is holding me back. I would like this removed from my credit reports.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Asked both XXXX equifax and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within 24 hours and after 72hours no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Customer service / Customer relations

Complaint: I had applied for Wells Fargo Credit card on XXXX/XXXX/2016 which was approved and I received my credit card on XXXX/XXXX/2016, When I tried to get online access for my credit card Wells Fargo refused to provide me with online access. ( I had checking account and credit card with Wells Fargo before with online access. They had limited my online access for concern of fraud however after their extensive investigation they did not find any fraud on my side, however they said they would go ahead and close my account - because of their bad customer service and way they treated me I decided to go ahead and close both checking account and credit card, they said I could eventually open new credit card which I did apply for after a while ). Wells Fargo approved new credit card as mentioned above on XX/XX/XXXX and send me new card, however they are vehemently refusing to provide online access for me to monitor my credit card spending and activity. I spoke to XXXX ( supervisor of Fraud department Ref number XXXX ) and he refused to provide online access after acknowledging that there was no fraud on my part in the past, when I requested them to provide online access like every other banking institute he said " no you can view your activity when you receive paper statements or call in every time '' neither of which is feasible/practically way - calling them I am on hold for XXXX mintues every time and paper statements comes only once a month - I would have no way of knowing fraud charing if it happen in between - putting me a risk of identify theft and financial loss. When I told him about this and said I will file complain to CFPB, he said feel free to do whatever you want this is my decision and I am not gon na give you online access

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 02/13/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XX/XX/2018 I submitted a loan application to XXXX XXXX in XXXX, to buy a used vehicle. My credit score is XXXX on XXXX  and my XXXX score is around XXXX. I have very little debt, and my home is paid off. Based on my score I should have been offered no higher than 5 percent interest but the dealership said I was being offered 12 percent which they later emailed me and said it was just over 9. The company Ally Financial has been fined multiple times for discriminatory lending and I believe they have not altered their practices. I am a XXXX woman, XXXX XXXX vet and graduate student I do not think it's fair to have to overpay for things as basic as a car loan.

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 08-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: I have been with Bank of America for 27 years. Now the bank and the unfair fees continue to take my money and put my balances in the red. They take my money and I have to replace the money in order to pay my bills or else I will be charged an overdraft fee of {$35.00} after the bank took my money. I am charged overdraft protection fees of {$81.00} on XX/XX/XXXX and again {$81.00} from another account. Teller witdrawal fee of {$10.00} on XX/XX/XXXX and non teller fees of {$10.00} and then a maintenance feeof {$12.00} and another non teller fee of {$5.00} the bank is taking my money and putting me in the red so I have to replace the money they put into their pockets. There 's no reason or consistancy. I am on a fixed income I do n't have the extra money to replace.

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 01-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Customer service / Customer relations

Complaint: XX/XX/XXXX I applied for Capital One Card XX/XX/XXXX received an email that my card shipped However, I received a letter dated XX/XX/XXXX indicating " we have been trying to reach you because we think a fraudulent credit card account may have been opened '' I 'm not sure who they were trying to reach as I received no calls, emails, or other correspondence outside of this. XX/XX/XXXX I contacted your office and spoke to XXXX who I verified my full name, DOB, SSN, and full address for She indicated that what I provided was not enough information to verify my identity ( not sure how when those are standard HIPAA verification questions ) She requested my number and advised that it was n't acceptable she even requested my partner 's number ( who is n't on the account ) to verify which was n't acceptable either When I inquired what acceptable verification information was needed I was told she couldnt release that information She indicated I would have to go into a branch and verify my identity I requested all of this information in writing ( which has not been received ) On XX/XX/XXXX while setting up a joint savings account with my partner the system indicated that I already had an account ( not sure how when I never received a card ). I proceeded to call customer service and first spoke to XXXX who advised that I would need to send in a copy of my ID, a check stub, and utility bill to verify my identity ( I was not told this during the first call ). I then requested that the account be cancelled at which time XXXX transferred me to her supervisor XXXX. XXXX indicated that the card was under restriction and I would have to call Mon. and speak to a manager to cancel the card when my partner inquired why there was a restriction and why no one would provide us with information she advised her she was n't authorized on the account I advised XXXX that we were on speaker and I was still on the line She stated she couldnt verify my identity and disconnected the call! All I 've been trying to do is determine if someone else received the card and if they have been using it. No one will give me any information even though I 've requested the information in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Payday loan () with Big Picture Loans, LLC (NE).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a XXXX loan with big picture loans. They told me it was not a payday loan but an installment loan. I asked how much was the interest many times on that call, but never got a straight answer and since the rep did not speak XXXX well, i assumed she didnt understand the question, so i asked how much will i be paying in the end for tnis loan, she put me on hold, came back and told me XXXX, so i agreed to that, however a week or so later i got an email saying it was XXXX that i had to pay back for that XXXX i had already spent. This is insane, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX irs breach have ruined me please have them remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account # XXXX Balance : {$530.00} Creditor : XXXX XXXX. 

Account # XXXX Balance : {$0.00} Creditor : XXXX Account # XXXX Balance : {$270.00} Creditor : XXXX . 

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan started at 6 % and now it is at 10 %. I think the interest is predatory and keeps me in debt. I want all of the interest remove since was raised to % 10.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was sent to the hospital in XXXX of XXXX. There u was asked for my insurance information. I gave it to them and was told it would be resolved. The insurance that I had at the time was XXXX XXXX XXXX. I got a notice saying that I had n't paid the medical bill even though it should have been covered by insurance. Did not know what I had to do to get it resolved as I had n't dealt with insurance during that part. The company is XXXX finance control, date XXXX/XXXX/XXXX, amount is {$980.00}. Originally contacted them but got no response as to what was supposed to be done and now credit is suffering

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (MA).
Issue: Problems when you are unable to pay

Complaint: I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Balance transfer

Complaint: I have a credit card with Wells Fargo. On this account I have a promotional balance ( for a transfer balance at a 0 % interest rate ) however my statements does n't inform me of when the promotional balance will end and how much interest I will be charged if not paid of by that date. All my other accounts with a promotional balance provide a separate line for a promotional balance and tells me the balance for the transfer and the amount of interest to be paid of not paid with the agreed upon time period. I think Wells Fargo is n't being transparent with these current practices and given their past history they should be providing services to customers to create trust and transparency. their current practices elude that they are trying to make money off interest that will be paid if customers do n't pay of promotional balances in a time period that customers are required to track.

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 12/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted Diversified Consultants IncXXXX on XXXX/XXXX/XXXX concerning new information on my credit report from XXXX in the amount of {$460.00} that was opened in XXXX XXXX. I have not lived in an area that XXXX has serviced in about 5 years. I told the representative that this date was incorrect and that there is no way that this can be correct, I asked for the original bill to be sent to me to validate this amount and the date. The representative told me that my credit report would only show when they bought the debt and reported it, not the original date which I know is not true. I told the representative that that is not true and it should always reflect the original debt date and not the date they decided to make up. I was then passed on to a " supervisor '' who tried to feed me the same garbage. I asked numerous times for the original bill to validate everything, I was told that they do not actually have any bills and would have to request one from XXXX. The " supervisor '' told me I would be sent a bill and tried to hang up on me when I stopped him and told him he would need my address if he was going to send me the bill. At that point the " supervisor '' then said " oh, I was just about to get that from you. '' Once I ended the call with Diversified Consultants Inc. I called XXXX to see if I could get the bill. The XXXX representative told me that the original bill was from XXXX XXXX and that they no longer have any bill, the representative stated the bill was given to Diversified Consultants Inc. At this point I am being denied my right to validate this debt and if neither company can verify the debt with an actual bill then this should not be on my credit report at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Commonwealth Finance has duplicate accounts in the collection on my credit score for the amount of {$700.00} on XXXX XXXX, 2017. They also have another collection in the amount of {$470.00}, on XXXX XXXX, 2017. I feel this is one account that they have reported has inaccuracies causing me to have 3 accounts in total- which is based off a singular debt. Which has effectively given me duplicate derogatory marks on my credit, off of one debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Money transfers (International money transfer) with SUNTRUST BANKS, INC. (NC).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a store card with XXXX through Comenity Bank. The system does n't offer automatic payments setting, thus unless you remember to pay your card every month ( which I do n't use that often, since it 's a store card ), you 're bound to pay for the late fees. I called the bank to ask if I can set up an automatic payment, and the customer service person told me it simply was n't an option. I almost feel that the bank is doing this because it wants me to forget, so that they can gain the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a letter in the mail from Synchrony Bank stating that I tried to open a Syncb luxury account. I never inquired about their service. This bank is located in XXXX XXXX XXXX XXXX Florida.

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, located in XXXX, Texas, mistakenly sent my name over to ProCollect in error as part of a new XXXX training.

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