milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo local bank at the XXXX in XXXX Georgia,XXXX open a unauthorized credit card account in my name about four years ago. I spent a lot of time and money with the bank, credit bureaus trying to get this fraud corrected.

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 12/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I file a credit card dispute with Capital One Credit card. I disputed a charge of {$580.00} charged to my credit card on XXXX/XXXX/2016 from an XXXX marriage agency. I told them I never received any service or merchandise from this marriage agency after my credit card was charged that amount. I told Capital One that I discovered this marriage agency operated from XXXX was a scam after I did a XXXX search and found out multiple complaints on the internet that this marriage agency was a scam. I sent in a letter along with evidence that I did not receive service or merchandise from this agency and I assert my rights under Fair Credit Billing Act. Capital One responded and said they received a " printout '' of this agency 's website stating that I agreed the charge was non-refundable. I wrote back to Capital One stating that I have never seen this website nor have any knowledge my charge was non-refundable. I asked Capital One to provide me proof from this agency that I signed any document agreeing to this false claim or that proof that I have seen the non-refundable policy website. I again assert my right under Fair Credit Billing Act that they have to do a thorough investigation and provided me proof I received any merchandise or service, which I never did. Capital One wrote back and said they charged back the {$580.00} to my credit card because they did not get a response from me. I sent them a " claims and Defenses '' letter again assert my rights under 12 CFR Part 1026 ( regulation Z ) and the Fair Credit Billing Act that this is a billing error and they fail to follow the laws to investigate my dispute and demand this charge to be removed from my account or labelled it as " dispute ''. They refuse and start collection process on me and threaten me they will ruin my credit if I do n't pay. I told them I can not pay them any money because I never received the merchandise or service. This whole thing is a scam. I demand to talk to their legal department and ask them to write me a letter stating their legal position. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In    XXXX   XXXX   2017 ,   XXXX   XXXX   , a debt collection c ompany contacted me by mail stating that I owed a {$700.00} debt with  XXXX . This was not my debt, but an ex spouse. Convergent failed to verify address and account information and reported negatively against me. I retained legal representation but the company has failed to respond.

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 07/31/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: In the past year, I have been charged {$140.00} in overdraft fees by PNC bank. I was charged XXXX different {$36.00} over draft fees on XXXX XXXX, 2015. I received another XXXX {$36.00} fees on XXXX XXXX, 2015. I have had some overdraft fees reimbursed during my eight years as a PNC customer. However, PNC continues to refuse to reimburse me for the {$140.00} that they charged me in 2015. I am a recent XXXX who is underemployed. {$140.00} is a lot of money to me. You can find these charges outlined under 'Other Deductions ' on my attached bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was never a debt I paid my account in full and had them pick up the equipment when we moved. Now they have put me in collections for items I do not owe on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). Fo r some reason there was an eviction placed on my credit report and I have no legal ties to the home.

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 08-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is stating that XXXX Account XXXX is reporting correctly and it is NOT. This debt was cancelled through IRS Tax year 2015 with Form XXXX. I have included the paperwork many times that proves this yet Equifax continues to ignore the paperwork. Consumer Financial Protection Bureau is suppose to make this right and force Equifax to obey the FCRA and report this correctly. The paperwork is right here and states clear as day that this debt was cancelled. THIS ACCOUNT SHOULD BE REPORTING XXXX BALANCE AND CLOSED. I do n't understand how Equifax can get away with breaking the law and you Consumer Financial Protection Bureau are letting them get away with this. My next attention will be a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A medical debt in the total of XXXX was attempted by another collection XXXX XXXX XXXX, I have brought this up to the credit bureau and have a letter from XXXX stating this was removed and would not return back on XX/XX/2017. This debt has already been removed from my credit and now has been somehow sold to another company Transworld systems. I do not want to go back through the process of taking this back to the credit bureau. Please remove as it should have been removed permanently. If need be I can provide the letter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX or XX/XX/XXXX, I received a collections call from Receivable Solutions out of XXXX, XXXX regarding a medical bill. As I have had health insurance my entire life and there was no reason I should be receiving a bill ( co-pay was made at the time of service ), I contacted my insurance carrier to clarify. XXXX XXXX XXXX XXXX XXXX XXXX informed me that a medical provider from XXXX XXXX XXXX failed to timely bill my insurance for services and that the provider could not bill me for the service under the terms of their contract with XXXX. I relayed this information to the debt collector who understood and ceased attempting to contact me. Many years later ( coincidentally, after the statue for any fair debt collection action I may have against them ran ), they began periodically contacting me again and the debt continues to be reported to the credit bureaus. Because they have documented ownership of the debt, the bureaus will not remove the collection. I assume they do nothing to investigate my claims that the original debt is invalid. This company is unlawfully attempting to collect a debt against the terms of their contract with my previous insurer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle lease) with Arapahoe Motors (CO).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX 2016, we visited the Schomp Honda dealership at XXXX XXXX XXXX XXXX in XXXX XXXX CO. The purpose of this visit was to fulfill an obligation for a vehicle inspection on a lease that was terminating XXXX/XXXX/2016. Honda been contacting my wife and I several times a day to schedule a time for this and to advise us on what our options were since the lease was ending. 

Once at the dealership, we met with Client Advisor XXXX XXXX ( XXXXXXXXXXXX ; XXXX ). While our current CRV was being inspected, XXXX had us test drive a new CRV. After the test drive, we decided to enter into a new lease with Honda. However, since we still had 30 days left on our lease, we did not want to end up with 2 payments, XXXX advised that either Schomp or XXXX would take care of our final lease payment. He also advised that even though we exceeded the mileage allowance on our lease, there would be no extra charge since we are entering into a new Honda lease. 

However, after leaving Schomp with a new lease and CRV, we received a letter from Honda dated XXXX XXXX, 2016, stating we owed {$700.00}. Of this amount {$400.00} was for excess mileage and {$260.00} was for the final payment on the old lease. This letter was in direct contradiction with what XXXX had informed us. Naturally we called XXXX and explained the situation, XXXX advised he was mistaken and asked my wife to meet him to change the terms of the lease. She advised that was not an option and indicated we would return the vehicle if they could not honor what we were told. XXXX advised he would speak with his manager. 

On XXXX XXXX, 2016 we spoke again and this time he stated the department that handles payments to XXXX XXXX was closed and that he would take care of it. 

On XXXX XXXX, we left a message for General Manager XXXX XXXX ( XXXXXXXXXXXX ; XXXX ) but did not receive a return call. 

On XXXX XXXX 2016, XXXX left us a voicemail stating they would take care of the final payment and excess mileage amount. 

On XXXX XXXX 2016, we contacted XXXX XXXX XXXX to verify the balance has been cleared. XXXX XXXX XXXX confirmed the outstanding balance of {$260.00} was still owed and is now 4 days past due. This is extremely disappointing as well as alarming as our credit history is now at stake. Schomp Honda 's failure to act quickly has directly led to borrower harm. We are now forced to rely on regulatory agencys to help move Schomp to action. We are requesting the final payment be cleared as was agreed by both parties on XXXX XXXX and confirmed XXXX XXXX. In addition, we are requesting written correspondonce from Schomp Honda that this has been resovled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a call from Direct Recovery Services. They asked for my social security number and would not tell me what the debt was they were calling about. I do not give this information over the phone. I called back 3 times and without my social security number being verified. I am awaiting verification from them in my e-mail. They were unaware of the original claim and the particulars of what it was for. From my best information, it seems to be a debt about mental counseling, which never happened. I was living at a homeless shelter at the time of their supposed inquiry. I was under XXXX County Health District and never received XXXX XXXX XXXX so this is a totally bogus attempt to rip off the government. Cease and desist would be in order and anyone trying to defraud the government should be rigorously prosecuted. Thank you.

Company response to consumer: Closed
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 01/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted an application for a modification along with all documentation requested. I was told they needed a XXXX for 2014 and current profit and loss statement for a business that no longer exists ( I sent the P & L for 2014 ). I advised them on numerous occasions that I did not receive a XXXX for 2014 and that the business was not operating. I went so far as to write a letter about each and upload it to my representative so he could place in the folder marked XXXX and profit and loss statement. After 3 attempts the only response I received was that my application had expired for failure to submit all documentation. All documentation was submitted in time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. 
I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. 
they have violated the FDCPA Act please review the attached letter and documents

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I called Citizens Bank in XXXX, MA to ask them how I can close our my checking account no. XXXX. XXXX XXXX XXXX told me I had to have a zero balance in order to do that. He said there was a balance of {$58.00} and to write a check for that amount to clear the account which I did check no. XXXX for {$58.00}. On XXXX/XXXX/XXXX I get an overdraft fee for {$5.00}. I called the bank and he said not to worry about it. I then get a statement saying that on XXXX/XXXX/XXXX I was charged a late payment of {$20.00} and interest charges of {$19.00}. My Husband called the number on the statement XXXX and they said that we owe them {$1000.00}. They said we were given an overdraft line of credit and we owe it to them. We were never aware of this and they take {$20.00} per month from our account for overdraft charges and if it is overdrafted they charge us another {$30.00} on top of that. We never took a loan with them and they have always taken the overdraft charges right out of our checking account along with their maintenance fees. This have been since the year XXXX. They have already been paid the overdraft charges right from our checking account. We just want the account closed and for them to stop charging us interest and overdraft fees for an account we closed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i  ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX, account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay the mortgage using online banking via XXXX XXXX XXXX. I always schedule the payment to be the last day the mortgage service lists on billing statement. If this day is a non-business day, I schedule it on a banking business day prior to the last day. The last day is usually the XXXX of the month, and most of the time it falls on a business day. 
When I scheduled a payment for XXXX XXXX ( a Tuesday ) on Monday XXXX XXXX morning, I found out the Monday the XXXX was a holiday and my payment would not be processed until XXXX XXXX. I have XXXX mortgages to pay. XXXX of mortgages are with XXXX, XXXX with Nations Star, and XXXX with XXXX. I went to each website and paid the mortgage online at each of these sites ( i.e., XXXX, Nations Star, and Cenlar ). Only XXXX XXXX charged me a {$9.00} transaction fee because it was after the XXXX of the month. 
I did protest this with Nations Star at the customer service link on their website, but they refuse to refund me the fee. 
In my opinion this fee is illegal and I should be refunded the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX fails to update my credit report as per court settlement agreement. Have made numerous attempts to rectify this matter and no one will correct this matter. I won the Law Suit, have a settlement agreement and yet NOTHING. XXXX did not follow the Laws of the XXXX or XXXX Commercial Code and has forfeited their rights to a deficiency balance among deceptive practices in the repossession in which they did not follow the Law as well.

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 04/17/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I have tried to get XXXX to verify the debt and send me information which they refuse to do. They are also reporting different information to all three bureaus in terms of outstanding balance, date opened, etc. I have tried to get them to remove this inaccurate information with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: One year and a half years ago this company called XXXX XXXX company opened dispute of a account but I didnt receive proper notification or verification of debt of account.the debt wasXXXX. I  contacted them and got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation