milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (RI).
Issue: Money was not available when promised

Complaint: Google wallet froze my account for me to verify my identity and submit tax ID info. I have verified my ID AND submitted the tax ID info. I have more than {$500.00} in there and it wo n't let me transfer it out. I have asked for someone to call me many times and called their support people ( in XXXX ) many times. The out of country support will not help me. Now I 'm attempting to email, call and get call backs and NOBODY there will contact me -- For example, there 's an option to request call back on the website. I request calls and nobdoy calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Progressive Management Systems is the agent for XXXX XXXX XXXX have stated in a letter dated XX/XX/XXXX " XXXX XXXX XXXX XXXX has informed us that these accounts were initially cancelled as they were attempting to bill your insurance provider ; however, the above referenced accounts have been re-activated due to the fact that your insurance coverage termed as you were not eligible tfor the dates of service. Also you did not present your XXXX insurance information to your client and they were not able to bill in a timely manner. '' First, no services occurred on said dates in the total amount of {$150.00} dating back to XX/XX/XXXX. False billing. Second, if more XXXX was needed all that needed to be done was to contact my doctor and get authorization for more service. XXXX insurance was provided from day XXXX. Progressive Management Services and XXXX XXXX are irreputable institutions and have falsely accused me of monies owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with Benuck & Rainey, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Apparently I have a name that 's easy to search and find mailing address and phone number. Consequently I receive dunning phone calls and letters demanding payment of debts that are not mine. NEVER mine. It seems to me the callers could take XXXX more minute on the internet and confirm I 'm not the person they 're looking for. I 'm absolutely sick of these calls and letters and can not find any way to stop them. I suggest a regulation that mandates some level of validation before these collection agencies take the easy way and just call or write everyone, hoping to get a response from the XXXX they 're really after.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX tax liens are incorrect and reporting with Equifax. I have searched my name under Georgia XXXX XXXX XXXX site under deliquent taxes and results list " no date found '', at the following Georgia XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against 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 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am writing to file a complain about XXXX XXXX XXXX, which was called XXXX XXXX when I attended it from XX/XX/XXXX-XX/XX/XXXX. When I enrolled in the school they told me that upon graduation I would receive assistance taking my licensing exam and finding a job. When I graduated in XX/XX/XXXX neither of these things happened. I was told that a time, date, and location for my exam would be mailed to me after graduation, and I never received anything. When I called XXXX to ask about this they repeatedly brushed me off, and I was never given an exam time or date. I also did not receive any assistance finding or applying for jobs. I had many classmates who experience the same thing, and I believe this amounts to false advertising. If I had known that I would be left to fend for myself after graduation with no ability to find a job related to my education I would not have enrolled at XXXX and would not have the student loans that I am struggling to pay today. I would like XXXX to be investigated for this fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Billing disputes

Complaint: I had a XXXX balance on my paypal credit account I made many charges which included XXXX promotional balances expiring 6 months away and XXXX standard apr charges of approximately XXXX for both non promotional standard apr purchases. I sent an XXXX dollar payment to pay the standard apr purchases of approximately XXXX and XXXX to go to promotional purchases. I had no minimum payment due from the previous month and thought that would b the case. Instead when I called they said I paid back the money too soon and applied the entire XXXX payment to my promotional balance and none to standard apr purchase because they said I had n't been billed yet. Although the charges already posted to my account from a few days earlier and was part of my balance they were no longer in pending status. They said because it was not part of my statement that has yet to come out the, entire payment went to the promotional balance. Also about three months prior I had promotional balances and XXXX charge of XXXX dollars no balance was expiring within2 months on both cases but when I disputed and won the dispute of the only standard apr charge of XXXX when they credited me back instead of crediting it back to my standard apr purchase they credited me back to my promotional balances. I was supposed to have no payments and deferred interest for 6 months but instead they billed me in this case. My problem is I thought when I pay more than the minimum it was supposed to go to the higher or standard apr and the minimum would go to the lower apr, but they are doing differently and their supervisor told me they are doing nothing wrong because I paid too early and have not been sent a statement for the charges of the standard apr I was paying when I sent XXXX more than the minimum payment from the previous month of a XXXX balance. I only sent the payment about 2 weeks after making the standard apr purchase and it posting to my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Hello, I purchased an Equifax Complete Premier Plan on XX/XX/XXXX directly through Equifax 's web site. I purchased the plan to protect myself and my financial accounts from identity theft. I also purchased the plan to have my personal credit reports monitored and protected. 

Unfortunately Equifax did not protect me or my accounts. I was informed from my father-in-law that there had been an Equifax breach and I was completely shocked and alarmed because Equifax was supposed to protect me, not violate me. Till this day I have never received an email or letter from Equifax informing me of the breach. 

In addition, I paid in full for a service that I did not receive. Equifax withdrew {$1.00} from my bank account on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

I have contacted Equifax several times via phone and I can not reach a live representative. My phone calls are either disconnected or re-routed to another automotive system. When I have accessed my account via their website I 'm kicked off and receive an error message. 

I was able to log onto equifaxsecurity2017.com however they asked for more personal information which made me uncomfortable. I did speak with a live customer service agent but they could not help me get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Wow i am at lost for words ... .. and I am sorry to bother you once again in regard to Equifax Credit Bureau XXXX I am a victim of Identity theft and i have supplied Equifax with a certified police report about 2 years that list 2 accounts that were manufactured in my name as well as an address that i was not familiar with. 

The accounts were removed as well as the address but up until about 6 months ago they were RE-INSERTED to my credit. I have reached out to Equifax in this regard but it is no use .... the fraudulent entries remain on my credit. Equifax is the only bureau reporting the Fraud and once again XXXX # XXXX and XXXX # XXXX were removed and RE- INSERTED TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016, I request an escrow analyzes from Nationstar mortgage LLC. However, the servicer failed to " acknowledge '' our request under RESPA. Escrow analyzes can be review upon borrower 's request and in particular whoever changes have me made in connection with either taxes or insurance. The flood insurance decrease significantly and a refund check to be placed back into the escrow account provided to the lender, however Nationstar claims not to have process. Nationstar has been in receipt of the funds since XX/XX/2016. 
We request that Nationstar Mortgage LLC, places the flood refund back in the escrow account and credit my account accordingly and to conduct the escrow analyzes as per our request on which they even failed to " acknowledge ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Other mortgage) with Island Title Services, Inc. (IL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, XXXX I was charged for a pavement assessment fee at the sale closing of XXXX XXXX XXXX XXXX XXXX FL. The fee was paid to XXXX XXXX XXXX for assessment dated back to XXXX XXXX, XXXX. When we purchased the property in XXXX XXXX, XXXX, Island Title Company gave us a clear title to the property. I put in a claim to Island Title for reimbursement of the payment we paid to XXXX XXXX of {$980.00}. After several months of emails and phone calls for status of my claim I received a response letting me know that Island Title would offer me a settlement payment for a portion of the payment I paid which I agreed to accept. I have only received partial payment of that settlement agreed payment and have left several messages and sent several emails and have not heard back from Island Title. Island Title has defaulted on the payment agreement made to me and I am now seeking to receive the full payment due me of {$650.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (DC).
Issue: Problems caused by my funds being low

Complaint: I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee. 

I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUMMIT FINANCIAL CORP (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX ). They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XX/XX/XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XX/XX/XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XX/XX/XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, DOB XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage serviced by Seterus, because of a payment change and an escrow shortage the account fell behind about {$5600.00}. I have proposed to Seterus to make XXXX ( XXXX ) monthly payments of {$500.00} to get the account current. They are giving me a hard time and threatening foreclosure for such a small amount, especially the regular monthly payments are been made.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is an entry on my XXXX credit report from IQ Data Systems. Upon investigation, I discovered that this collection account is for a remaining balance from a property management company ( XXXX ). I co-signed on a lease for my son 's apartment - when he moved out there was a balance due. I have paid this balance of {$1000.00} directly to XXXX. I have the receipt for this payment. 
This paid account should not have been sent to a collection agency ( IQ Data Systems ).
I have contacted IQ Data regarding this inaccuracy and I have received no help on this matter. They maintain that this is still an outstanding balance with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ad Astra Recovery Services is repeatedly contacting me to collect a debt owed by " XXXX XXXX ''. I have informed Ad Astra Recovery Services that I am not " XXXX XXXX '', and that I do not know " XXXX XXXX '', but they continue to leave messages on my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: Bank of America is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Payment to acct not credited

Complaint: Account sold to  XXXX  party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Medical) with J&L Collection Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX at XXXX I contacted J & L Teamworks regarding my credit report. I spoke with XXXX. I told her I had XXXX accounts on my credit report from them with a XXXX balance appearing on XXXX but balances owed on XXXX and XXXX. She said she would give it to her supervisor for resolution yet here we are XX/XX/XXXX with no resolution. On this call she also said I had an open balance with them for {$130.00} from our local hospital XXXX XXXX. I immediately looked at my bank account and I had paid XXXX and possessed the cancelled check. In addition, I phoned XXXX 's accounts receivable department and they confirmed there was not outstanding balance. Again, she said she would tell the supervisor and get back to me. I have now received another collection letter from J & L Teamworks for the same {$130.00}. I just phone dJ & L and spoke with a XXXX. He said the {$130.00} is still due. I explained the above information and said he would look into it, that no one by the name of XXXX has ever worked there, then he proceeded to advise me there was over {$3000.00} of additional invoices due dating back to XX/XX/XXXX all under my wife 's name. I told him that was incorrect also. I asked him to email me the invoices and he refused. 
I have dealt with J & L Teamworks over the years as our local hospital XXXX sends all of their collections to them right at the 30 days due mark. J & L Teamworks using harassing tactics and bullies their debtors as well as never following through on what they say they will do, as exemplified above. They are very fast to report inaccurate information on a debtors credit bureau as a leverage tactic, but never seem to get around to fixing the incorrect reporting. This company needs to be fined and put out of business. 
Finally, they broke the HIPA laws by reviewing these " so called '' outstanding bills with me, when the account is under my wife, XXXX XXXX 's name. 
I respectfully request that the CFPB contact them, get these items removed from my credit bureau as I was promised and provide a full and detailed list of these supposed past due bills amounting to {$3000.00} from XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: We requested a mortgage through Chase Bank. We received full qualification for the loan amount., however the appraiser did n't take appropriate time to appraise our home. He estimated below value using distressed properties and not correct counting bedrooms and baths. We appealed the appraisal, chase sent the same appraiser out again and he modified the appraisal with the correct bedrooms and bathrooms, but fraudulently concealed information that show one of the comparables was distressed. When brought to Chase Bank 's attention again on a second appeal they dismissed the evidence.

Company response to consumer: Closed with explanation