milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with State Collection Service, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: received noticed of unpaid medical bill from debt collector ( not sure when first received - sometime this year XX/XX/XXXX ). possibly received from State Collection Service in WI. <P/>debt is from services received from XXXX XXXX of Wisconsin. date of service XX/XX/XXXX & XX/XX/XXXX. <P/>we would gladly pay any amount owed however we never received any bills from the hospital. naturally upon receiving the debt notice i contacted XXXX immediately to try find out any information regarding the service etc. At that time they acknowledged that they had the incorrect address on file and perhaps the reason why we never received any bills. they told me they would send the information to the correct address. <P/>however after not receiving i contacted them again ( repeatedly ) only to be told that they would not provide any information, that they had turned the debt over to state collection service and i could only discuss with them. <P/>again, have absolutely no problem paying this bill. first however i never received any bills in the first place and second obviously i need detailed information as to what i 'm being billed for. i have an excellent credit score. <P/>thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: upon checking my credit report as I do very often, noticed Convergent outsourcing reported a collection 3 times and unpaid account 2 times for a XXXX account. I have not had a XXXX account in over 10 years and i do not owe them any money either. There is no XXXX collection. I disputed through XXXX. Convergent has reported collection account again and is unable to provide any proof of a balance. Now i am receiving letters to pay a debt that not only is dead but far exceeds the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (AR).
Issue: Account opening, closing, or management

Complaint: The Consumer Financial Protection Bureau alleged that the NAVY Federal credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting hundreds of thousands of people. I was frozen out my accounts many time over the last XXXX years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (LA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I leased a XX/XX/XXXX XXXX vehicle through the GM Auto Leasing process. On XX/XX/XXXX GM Auto Leasing repossessed that vehicle for no apparent reason. I twice wrote to them in search of a reason or rationale for having so abruptly removed this vehicle from my custody, in the middle of the night without my knowledge or consent. No reply has been received to date of this complaint to your agency. 

I see this as a blatant violation of the XX/XX/XXXX Consumer Credit Protection Act. 
All bank payments were current ; and the vehicle was duly insured. I remain at a lost for any kind of a answer to the age-old question of " Why? '' Your examination of this matter is greatly appreciated, as I am an elderly minority who has devoted his whole life to doing the right thing and living responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contact this collection agency for over month now requesting supporting documents that they accused saying i owe them and their response are that they do not have any information to provide to me and according to Federal law this merchant to ensure this item actually belong to me and this item they reporting to credit bureau are misleading, inaccurate and incomplete and i feel they have violated law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other fee

Complaint: I obtained a Chase Freedom card, with an offer of 0 % interest for the first year. I was encouraged to take overdraft protection ; I was told that this overdraft protection would reduce the fee in half. I was never told anything about interest, and was told to sign a waver. I asked, " whats the catch. '' " No catch '' the clerk said, " just lower fees in overdraft. 

There was a catch. That zero percent interest did n't apply to fees. Apparently I was paying interest every single month on those fees. It cost me hundreds of dollars again. The entire program was designed around defrauding people who do n't think this far into it, are inexperienced with credit cards, and would n't think to look at whether interest applies here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Application, originator, mortgage broker

Complaint: We received a mailing offering a HARP loan conversion for our conventional 15 year mortgage with Wells Fargo. After getting this notice we called the loan agent listed and made an appointment to discuss an application. The mailing stated that no appraisal was needed and the loan could be provided with no costs. A credit report would be ordered and if that was adequate a refinance from 5.65 % to 2.75 % would be granted. Since we were XXXX and our income had dropped substantially we were told we did qualify for the program. Then after a period of time we were notified by the agent that they changed the terms, that an appraisal was needed, and we paid {$790.00}, an inflated price for the appraisal. Then we were informed that the agent was required to visit our home and make an inspection. After several years of perfect payment history, credit reports with XXXX plus scores, we were then told the Wells Fargo wanted us to make a conventional application with the usual closing costs. This was strictly a bait and switch. Two years after making the application we were sent a letter saying we did not comply.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bank of America ( " BOA '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after BOA puller their business out of most of Maine. Prior to the transfer BOA agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however BOA continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without BOA 's action. We have asked BOA to remove the negative item from our credit reports, but the company refused to do so. Given the fact that BOA has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

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 02/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Closing/Cancelling account

Complaint: This is loan that Bank of America should have dismiss because that what they me over 15 years ago. An it still show up on my credit report. It was during time period when the interest rate super seeded the loan on the card an their was no way I could keep up the principal rate an the loan got larger making me unable to pay. Back in 2006 it was to have drop.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.

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 10/30/2017 about Debt collection (I do not know) with Eastern Revenue, Inc (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On Sunday, XXXX/XXXX/XXXX, I received a credit alert from XXXX  and XXXX that a new collection account has been added to my credit records. I have no knowledge about this alleged debt, did not receive any notification surrounding this debt, etc. Therefore, I am requesting the company that reported this account, EASTERN REVENUE INC, remove the negative reporting from my credit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
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: After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

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 06-09-2017 about Debt collection (I do not know) with Second Round Limited Partnership (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: They called at  XXXX  on  XXXX   XXXX ,  2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax continues to report obvious erroneous information on my credit report after XXXX investigations on the issue and one CFPB complaint.So XXXX account XXXX reported yesterday at conclusion of investigation # XXXX a dofd of XXXX and on the same item, report a 120 day late on XXXX in the account history.Also reported on this monthly bill is a last payment of XXXX which would correspond to a dofd of XXXX. 
Equifax has repeatedly reported obvious errors '' on the face of the record '' with regard to this creditor who " re-ages the account '' which denotes strict liability for this illegal practice according to FCRA FOR BOTH EQUIFAX AND THE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: No access to my money already in account, direct deposits are n't being shown, Rushcard should be prosecuted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the balance that was due and given to me then a month later they sent me a bill for another XXXX dollars. I will not pay it because it was arbitrarily charged for services not performed. I paid for what was done. The Collection company is listed on my report as Professional Finance XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Student loan (Private student loan) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Filed a complaint there are several issues regarding the following which has occurred on several occasions in addition too different colleges may not all be XXXX XXXX college and not reporting correct changes in forbarences and deferments to third party for collections in addition too allocating the total and permanent XXXX applications with sufficient documentations. Complaint to XXXX XXXX XXXX nelnet and all other loans third party collectors account holders for any and all loans for as XXXX XXXX XXXX xx xx XXXX for previous accounts defaulted and or sold or submitted through any of its subsidiaries and entities as a third-party debt collection for federal loans be properly investigated current and past accounts loans requests by student and all documentation sent and received on behalf of XXXX XXXX XXXX Proper requests have recently and past been made for forbarences and deferments to include XXXX discharge and reporting and filing of my accounts status prior to defaults were in deferment or forebarbnce but you and your subsidiaries and related entities prior to receiving accounts and after were not properly investigated nor acknowledges the processes and stays changes in accordance with all XXXX rules policies governing the loans and not properly handled according to rules policy and laws governing students with XXXX I gave submitted review for XXXX discharge and several total and permanent discharge for XXXX yet you and your related subsidiaries related to my previous account holders and current gave violated not only. My civil rights as a XXXX person but have submitted to board of education improper and incomplete paperwork regarding my XXXX and rights verifying social security XXXX income with 4 dependants exceeding the payment amounts being drafted through united states treasury received by us board of education submitted by XXXX. I want all monies refunded and every incident paperwork filing and complete account information to include XXXX and requests for discharge and paperwork submitted to civil rights office and respectfully revised and complaint filed formerly with you and all related entities prior and current involving any and all collected paid and unpaid student loans. request for reimbursement for received funds from treasury to XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXXXXXX. this request is to cease and distst all collections withholdings of all accounts while in review for XXXX discharge and acknowledge current and past deferments and forbarences. Investigation by attorney general and civil rights division. 

Email ( if you would like a response ) : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX Fifth Third performed an unauthorized hard inquiry on my credit report, i did not authorized such inquiry and it is affecting my XXXX XXXX. I tried contacting the Bank without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with State Collection Service, Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX   2017, I received a debt collection letter from State Collection Service , Inc., for {$8.00}. I immediately called the debt co llector and asked what this amount was for. Customer rep said if I owned a  XXXX   XXXX . I said no. She then said Okay, sorry to bother you.     In  XXXX     2017, I rece ived another debt collection letter from the same company but this time saying I owe {$93.00}. I immediately sent them a Debt dispute letter requesting they provide proof it is my debt by sending me signed contract agreement, detailed and explanation of how they came about this amount.     On  XXXX   XXXX  , 2017, the y respnded to my letter and failed to provide me the information I requested to validate the debt. It still does not show how they came about this amount and any signed contract that I agreed to pay this amount. And now they are claiming I owe {$110.00}.     This company is fraudulently trying to collect money from me. They keep changing the debt amount and failed to provide proof it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Other mortgage) with Selene Finance LP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : After several years I am finally able to refinance my mortgage. In requesting my payoff there was a " corporate fee '' /escrow fee added to my outstanding mortgage balance of {$11000.00} that according to the current loan servicer XXXX XXXX was transferred from Selene Finance XXXX XXXX/XXXX/2011. 
I recall I used to pay my own property taxes and insurance directly, when my original loan originator XXXX XXXX sold my servicing to Selene they began to impound my property taxes and insurance. There was an arraignment of escrow payment to cover the amount that was paid out by Selene. 
I want a complete breakdown of items that derived this " corporate/escrow '' of {$11000.00} balance that was transferred to XXXX XXXX. I have no recollection as to how this substantial amount was derived. This is a substantial amount of outstanding fees. It has been very frustrating trying to identify where or how they were accrued. I would appreciate all your assistance in providing proof of how this amount was accrued, thank you. 
How do these small mortgage servicing company 's get away with adding such large amounts to outstanding mortgage balances without informing the borrowers. We are extremely upset that our outstanding loan balance is {$11000.00} more than we had anticipated, our new payment is affected etc. Very frustrating trying to track down the disconnect.

Company response to consumer: Closed with explanation