milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has committed identity fraud using my information. This is not my debt and I need this cleared up immediately. Thank you.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

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 10/25/2017 about Debt collection (Credit card debt) with KEYCORP (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received two charged off collections letters dated XXXX XXXX, XXXX and attempted to resolve the debt. Being unsuccessful in this I had to activate my benefits through my employer to get assistance from an ID Theft representative / Another formal dispute was entered XXXX. The fact that there are collections attempts being made on an account that should be marked as Fraudulent is a violation of both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Today my representative called them to discuss the status and was told that they will not accept POAs and will only speak directly to me. Formal POAs must apparently be delivered by hand to someone in their legal department to verify authenticity even though the POA that they have received is notarized. The first rep said that the documents were there, but they ca n't accept the POA, then I called back with my rep and were told there were no documents at this point. I am receiving poor handling of my account and feel they are attempting to stall in the hopes that I do not continue to contact them or to give them time to sell the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX mortgage has assessed me $ XXXX. for 36 months for an " escrow deficit '' which was arrived at by an error of calculation in their annual escrow analysis. I addressed several letters to XXXX explaining my position and submitted my complaint all the way through XXXX 's consumer ombudsman, which affirmed the company 's position. I do not believe anyone at XXXX ever actually read my complaints or did anything besides sending me form letters which ignored my specific contentions and repeated the same mistaken conclusion again and again. This mistake occurred because XXXX subtracted payment for hazard insurance twice in 2015 -- once for ACTUAL payment, then again for " projected payment. '' It is the second, erroneous deduction for " projected payment '' for hazard insurance, made after the payment had already been made, which put me in this mistaken " escrow deficit '' XXXX claims now exists. After several correspondences with XXXX, it sold my loan to CHASE and after making my same complaint to CHASE, it also affirmed XXXX 's contention. I do not believe that either company has actually read anything I have sent, much less addressed my specific contentions and justified their position in ordinary terms. All they have is sent conclusory letters saying I am wrong, and that they are correct. It seems obvious that the only reason there is any " escrow deficit '' is due to an error of arithmetic/accounting in XXXX 's escrow analysis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I contacted PNC to obtain account statements for account ( s ) I closed in XXXX or XXXX. I 've called their toll-free number many times about this issue and visited a branch at their direction. At the suggestion of XXXX of their representatives, I sent a letter to XXXX XXXX requesting these account statements. The bank 's response asks for a " notarized letter of instruction '' and a divorce decree. I think the first thing sounds silly - can they really demand a notarized letter for this request? - and, as to the second, I do n't have a divorce decree. I am requesting this information to assist with a marital separation agreement, and a divorce decree ( if we ever take that step ) will not be issued for at least a year or so. Further, there is no reason the bank would need a divorce decree to provide old account statements. ( I do n't remember if my husband 's name was on the account, but even if it was we 'd be joint owners so I would n't need his permission or proof of divorce in order to obtain account statements. ) Finally, the letter requests {$5.00} for each monthly statement, but PNC can not tell me how many accounts I had or when they were closed, so I have no idea how much money to send.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 03/16/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RECEIVED MULTIPLE LETTERS FOR ALLEGED DEBT. MULTIPLE TIMES, I SENT LETTERS REQUIRING THE THE DEBT TO BE VERIFIED. TO DATE, OVER 90 DAYS REFUSED TO DO SO. HAS SINCE REPORTED THE DEBT TO CREDIT BUREAU 3XS. i WANT IT DELETED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: File # XXXX I reported that in XXXX 2016 XXXX of XXXX XXXX Florida did a hard pull on my transunion credit report WITHOUT express written or verbal consent from myself. 
I called XXXX and they ran my son 's that day but claim never ran mine. Yes they did, yes they lie, check my credit report. My credit was shared illegally and wrongfully with XXXX. 

Transunion did nothing but add my letter to my file. The hard pull is still there and I request it to be taken off. 
Thank you, XXXX XXXX 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 explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I agreed to pay XXXX per month on my purchase in the store. they financed through Synchrony Bank. within the first few months, I received a bill with a late fee. I have paid the XXXX every month - ahead of the due date. at that time I called them and they stated that the first month was late. we discussed the due date and I assumed they were correct on the first payment an made the additional payment to clear the problem. Since then - every single month they have added late fees to my account .... those fees now exceed the original purchase price of the bed I bought. they have called and harassed me for payment for months. calling at all hours several times a day - every day. I called again today to try and speak with a supervisor on the issue as every other time I call I get someone who just repeats that I owe this amount. I spoke to someone named XXXX who again stated that I owed the fees as I was not on a fixed payment plan. that is news to me. he stated that as the fees went on the payment needed increased and I was not making that minimum payment. again I explained that I was NOT late making payments and he repeated that I owe the money and how much I owe without even acknowledging my statement about the late fees being added incorrectly in the first place. I have made my payments in good faith and will continue to do so until the original balance is satisfied. they have done significant damage to my credit rating with these fraudulent fees. I will NOT pay the fees.

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 03/20/2015 about Debt collection (Medical) with Community Health Investment Company, LLC. (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Savings account) with KEYCORP ().
Issue: Account opening, closing, or management

Complaint: Dear sirs, My name is XXXX XXXX, XXXX. XXXX and I am writing to you on behalf of XXXX XXXX, XXXX. XXXX XXXX has a bank account with KeyBank in XXXX, Ohio, which refuses to release the fund to her. Briefly about the background - XXXX XXXX XXXX had a sister, XXXX XXXX who passed away on XXXX XXXX XXXX and XXXX XXXX was declared the heir of her late sister 's funds on that very same bank account, as they were both joint owners of the account. She first requested the bank to close the account and send her the money in XXXX of XXXX. The bank ignored her requests and continues to do so to this day. It took XXXX XXXX XXXX a year and a half to get Keybank to respond to her numerous phone calls and faxes. After all that time XXXX XXXX XXXX of Keybank responded to her email, saying on XXXX XXXX XXXX that all her documents are in order and that " the account will be close in XXXX3 business days and the check will be mailed to the address on file. '' The check still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report shows an unknown address that does not belong to me, see following : XXXX XXXX XXXX XXXX XXXX, MI XXXX I would like to have it removed from my credit history. See attachment for detail. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX South Carolina Tax comission filed a tax lien on taxes due from XX/XX/XXXX and never notified me In XX/XX/XXXX I was transferring my house to my wifes name and the lien showed up on title work and I paid it That was the first I knew there was a lien. 
I file a dispute with Equifax to have it remove or even update paid and it still shows up as not paid I applied for a loan at XXXX XXXX XXXX XXXX and it cost me a higher interest rate. 
The reason it should be removed is I was never late I paid it the same day I found out it was on my record. Even in XX/XX/XXXX when I file my state taxes I got a refund back and was not notified of a lien

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number 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 explanation
Consumer complaint received 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I.C system has been trying to collect a debt I do n't owe.The original owner of the debt was XXXX.A power provider that advertises its services without the need of a contract or even credit check.My obligation to XXXX was fulfilled and no balance was due upon the termination of service. However, XXXX claims that a contract was entered and an early termination fee is due.Such charge was disputed and removed from my credit report back in XXXX of 2015. However, I.C system is once again trying to collect on a account they know to well is satisfied.Furthermore, they 're once again reporting negative information to the credit bureau.

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 06/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I had a check come through my account on the evening of XXXX. When I checked my account on XXXX/XXXX/16, it showed the check had arrived, at XXXX which point I deposited enough money to cover the check. At XXXX at XXXX I received a insufficient Funds from the bank charging me a {$35.00} fee and making my account over drawn. I am requesting the bank stop charging fees when money was put in the account in a timely fashion to cover the check. every consumer knows this is a ploy banks use to make money off the consumer. Please assist me in stopping Wells Fargo Bank from charging my account illegally.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I refinance my house with XXXX XXXX they paid off my loan on XX/XX/XXXX freedom mortgage credited my account on XX/XX/XXXX freedom mortgage reported me late for XX/XX/XXXX but XXXX made sure they had there check on the XX/XX/XXXX I want this late payment removed from freedom mortgage

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 02/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with GENTRY FINANCE CORPORATION (OK).
Issue: Struggling to pay your loan

Complaint: I got a payday loan and my payments were current until XXXX when I separated from my husband. I have received numerous collection calls both on my personal cell and at my place of employment. My supervisor has told the company over and over that I am not allowed phone calls at work, yet they continue to harass me. I told them that I would pay them off as soon as my income taxes came in, however, they persist in calling my employer. Today, my boss specifically called me into her office when she called and I heard her tell the company that I was not to receive calls at work or else I would lose my job. The company manager replied, that she would continue to call because I had signed a paper saying she could call. My boss then told me if she calls again, I will be terminated. From everything I am reading, the finance company should cease harassing me at work. While I was on speakerphone with both my boss and the company, she disclosed personal payment information that was confidential as well.

Company response to consumer: Closed with explanation