milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Checking or savings account (CD (Certificate of Deposit)) with ALLY FINANCIAL INC. (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have tried to contact the institution for the past 2-3 weeks. Total consumer negligence. I have yet to hear back. 

Please call me at 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 monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This concerns an old XXXX XXXX XXXX XXXX credit card account that was a charge off. XXXX XXXX contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and XXXX. The major credit bureaus are reporting that XXXX is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims XXXX hasnt checked with them at all about the disputed balance. Had XXXX contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( 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 03/21/2017 about Debt collection (Medical) with APEX Asset Management, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is not verified. I never used medical transportation

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Dear Sirs : I would like to bring before you a situation with my local bank Chase JP Morgan, Contact inf : Chase by mail XXXX XXXX XXXX, XXXX Kentucky XXXX. On XX/XX/XXXX I received some type of a pop up while I was surfing the internet. It suggested that I qualified for a free watch. The only thing that I would be responsible was for the shipping and handling which was said to be XXXX. I placed my order, there was no indication on the website that I would be bound to any contracts, agreements or memberships. To my surprise on XX/XX/XXXX, there was a debit done on my account without my permission for the amount of XXXX and a service fee from my bank for XXXX was also applied. I immediately contacted my bank and informed them I had not consented to that transaction. The following day I called the bank to open an investigation. They agreed to apply a provisional credit to my account while the matter was investigated. What the person that attended to my call stated was that this was a scam and that they see it happen a lot. I asked them to protect my rights as a client, but they said they see it happen a lot and the customer has to agree with the company to pay something or else they have to pay the entire balance. I contacted the vendor and informed them of what was happening. They refused to help me and as the Chase representative suggested they wanted me to agree to accept a membership. I refused and I ordered them to cancel any subscriptions because I had not consented to such transactions. Please view supporting documents and you will find that on XX/XX/XXXX my bank removed the provisional credit and charged my account as well as a XXXX overdraft fee. I had already informed my bank that the initial transaction was fraudulent in its nature.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through poor security practices, Equifax exposed my personally identifiable information to malicious third parties in a massive data breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected, and I received no email, letter, or phone call explaining the situation ( and instead learned of it through social media ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (TX).
Issue: Account opening, closing, or management

Complaint: I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Debt collection (Medical debt) with I.C. System, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I received a letter from I C System debt collection agency dated XX/XX/XXXX stating that their office is increasing the balance owed on a delinquent account due to additional charges being incurred. The original balance was {$66.00} and I C System added {$520.00}. I C System is now trying to collect over 8 times the original amount of the debt from me. On XX/XX/XXXX, I sent a postal money order ( serial number ) XXXX for {$66.00} to pay my co-pay to the original creditor. My job insurance paid the rest of the entire bill already. I don't owe any more money. This company is falsely stating and misrepresenting the amount that I paid. They sent me another bill for {$66.00} and added another bill for {$520.00}. They are trying to collect twice. This bill was already paid. Please help, this is unfair business practices. Any assistance will be greatly appreciated. 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 11/19/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: XX/XX/2016 Macy 's credit card acct opened in store and made purchase of {$43.00} received email XX/XX/XXXX saying statement ready to view ( I had already paid the XXXX on line after setting up online access. could now not login and no email response for lost password, reset request. Called & determined XXXX fraudulent charges made on macy's.com. I told them to close the account, & i had not made any other purchases. they said they would send me a form to fill out. I received a replacement card which I had no knowledge of and a blank form with no info about the fraudulent charges. called again & asked them to send statement with charges. also said if i did n't have online access & ebilling why was n't the charges information sent to begin with. Are the credit issuers required to read a statement to notify & receive approval to issue a replacement card? it was not done, and when I asked that question today was told they have a new system & it could have been a glitch. today I asked the agent to read the dates & amounts over the phone so I filled out their form and will mail it in. This is the worst experience I have ever had with any credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with Van Ru Credit Corporation (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I have been getting phone calls from XXXX. The caller says that they are a debt collector and want to verify that I am who they are trying to contact by giving them my SSAN. 

I did a reverse phone look-up on XXXX and the owner 's name is not available. So, I called XXXX and the answering machine claims I was call the Van Ru debt collection agency. 

Someone came on the line and wanted me to verify my name and phone number before he would tell me why I was calling. I asked if he had caller I.D . and he said yes. So, I told he knows who is calling him and I want to know why they were calling us. He said that he could not provide that information unless I gave him my social security number. 

So, I hung up and called the New Hampshire Attorney General 's Office who asked me to call the FTC at XXXX. I did and am filing a complaint. 

The New Hampshire Attorney General 's Office said that the Van Ru phone calls are a scam and that they are phishing for data. 

Here 's the kicker - I do n't owe anybody anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been charged thousands of dollars in Property Valuation nad Inspection Fees from Ocwen. These fees have been ruled illegal and predatory, and I want a refund from Ocwen for every single time they charged me for each Inspection and Property Valuation fee. 
They have also charged me up to SEVENTEEN TIMES in ONE month for " Certified Mail '' fees and I want a refund on those. They have even charged me a couple months ago for fees they say were for 2012! They said unless I paid the fees they would declare my account LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with Account Resolution Corporation (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified letter dated XXXX/XXXX/XXXX and my ask was. 

After viewing a copy of my credit report, I noticed a collection account placed on my credit from Account Resolution Corp opened on XXXX/XXXX/XXXX and reporting balance {$250.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have not opened an account with XXXX XXXX XXXX.I am not aware of any of the activity on the credit card. It does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX- XXXX, My son and I borrowed {$42000.00} to pay for my son 's college tuition at XXXX University . Today, XXXX XXXX, 2017, The balance that Navient says that we owe is $ 80,000+.
I have offered to pay Navient {$55000.00} to pay off the loan if my son is not required to pay taxes on the difference between my offered pay off and the balance of $ XXXX+ and my son does not have a derogatory credit report entry for paying off less than what is owed. Navient is refusing to do this.
My son is finally working steadily and this removal of debt would allow him to take steps to further his career and personal life. Navient is also servicing our Federal Student loans which we will continue to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 I rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief