milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CREDIT COLLECTION SERVI( #XXXX ( XXXX XXXX XXXX XXXX, MA XXXX, (XXXX) XXXX) Placed for collection: XX/XX/XXXX Balance: $XXXX Pay Status: >In Collection< Responsibility: Individual Account Date Updated: XX/XX/XXXX
Account Type: Open Account Original Amount: $XXXX Loan Type: COLLECTION AGENCY/ ATTORNEY Original Creditor: XXXX XXXX XXXX XXXX
(Insurance) Past Due: >$XXXX< Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (DE).
Issue: Fraud or scam

Complaint: I submitted a ad on XXXX for a XXXX ticket that my daughter at last minute was unable to attend. Someone with the name of XXXX XXXX purchased this ticket from flordia. A month later I received a message stating the ticket was no good. I contacted XXXX to verify that it was good and have the email from them stating this. XXXX XXXX image states ok my bad ill check again next month when I go. The second month I get a email from pay pal stating that he did a reverse payment dispute with his credit card company. I feel he has done this to many people defrauding people credit cards companies and so forth. As he seems to be a reseller of tickets I do n't know if this is even the right people to contact about this or not

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. 

i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

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 10/15/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in my chapter XXXX filed XXXX/XXXX/2016 case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect/missing disclosures or info

Complaint: On XXXX XXXX, 2015 I set up an on-line wire transfer payment to a Jewelry business in XXXX through my Chase.com on-line banking account. After I set up the payment, my on-line account access was blocked and I was told to call a Chase customer number. I called them thinking I had to " approve '' of the high value of the wire transfer ( {$11000.00} ). But the person on the phone said I had to go into a branch and talk to someone. 

I went into the branch and explained that I wanted to make a wire transfer and that my initial attempt had been cancelled. They never asked me why or they never called into the customer wire service center. It was approved by the manager at Chase and the wire went through. 

On XXXX XXXX, 2015 I had to go back to Chase because I still did not have access to my on-line banking account. Again, I called in and they said I had to go to the branch in person. I was helped by the manager and he called in to verify my account. The customer service person was asking him a variety of questions about the wire transfer and that they had picked up red flags and possible fraudulent activity. However, the wire transfer had already taken place 2 business days ago! So even if I said I wanted the wire transfer to be stopped, it would n't have been possible. The manager asked me if anyone who was helping me on XXXX XXXX, 2015 had called in like he did, I said no. 

Had I known this fraud warning, I would have NOT done the wire transfer. Period. Had a Chase representative call in to find out why the first wire transfer did not go through the issue would have been resolved. But for some reason, the employee 's at Chase did not look further into this matter. 

It turns out that the wire transfer to this business was fraud. And I have not received my product in return for my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2017 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: I began disputing an incorrectly reported item on my credit report with Experian an XX/XX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XX/XX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XX/XX/XXXX.  They sent me another credit report on XX/XX/XXXX stating the item was validated, updated as such and remains on my credit report. On XX/XX/XXXX I called Experian and spoke with a lady named XXXX. I asked her what documentation does Experian possess to prove that this is indeed my debt? She responded by telling me we do not have anything nor are we required to maintain any documentation. Can you imagine how much storage wed need to maintain documents for every persons credit file we maintain? I told her that Experian is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. She told me there is nothing she can do for me except file another dispute. Experian has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a 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 09/13/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been making monthly payments towards my student loans about 3 years ago. My situation changed a little over a year ago. I contacted Nelnet to discuss my options. I decided to go with the repayment earn as you go program. I was told there is a {$690.00} application fee but if I join now, My application fee would be {$590.00}. However, my application would not or could not be processed until my fee was paid. I was also told this fee could be made in monthly installments. So, since XXXX, I have made XXXX payments of {$190.00}. I submitted my application soon after I hung up the phone initially in XXXX. XXXX payments later I received a letter from Navient stating my application was being processed. I called them to discuss that letter, but did n't get through. I called Nelnet to see if my application was being processed. They said no, that they never even received it. This was in XXXX. After XXXX 's installment was auto drafted from my bank account, I called Nelnet again to see where my application stood. Again, they claim to have never received it. I then called Navient and got a hold of a lovely woman named XXXX who explained to me my application was indeed being processed. She also informed me Nelnet was no longer my provider and I should not have been asked to pay anything regarding an application fee because the service I was paying for is in fact free. She proceeded to give my phone numbers to people who could help me get this resolved. I am attaching documents from my bank showing the XXXX installments I made in the amount of {$590.00}. They are in a different name ( ACH XXXX ... ) than the Dept. of Education I usually made payments to.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MT).
Issue: Account opening, closing, or management

Complaint: Applied for a loan for a morgatge, found a false credit card under husbands name inhibiting us from acquiring a morgatge loan. Turned the false account into XXXX and Wells Fargo to be resolved, XXXX removed the account right away, no problem. Wells Fargo has been giving us the run around, been very rude and un-helpful. Has been several weeks and still is not resolved or removed. Wells Fargo can not find the account under my husbands name or social, but are still reporting it to the credit bureau. This is not only false information, but Wells Fargo ca n't provide documents proving my husbands connection to this account and I feel are refusing to help sort this situation out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: In an attempt to refinance our home, just days from closing, my loan processor c contacted me to say that Ocwen never recorded our existing mortgage with the XXXX County Register of Deeds. I have been calling them and requesting them to file an Affidavit of Lost Mortgage with the Register of Deeds. Every time I call I am sent to an escalation manager and am given a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with General Service Bureau, Inc. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: General Service Bureau sent a collection letter with an amount owed by myself. An additional letter was also sent to my spouse who is not on my account. He is only listed as an emergency contact. 

The General Service Bureau sent the same collection letter addressed only to my husband with the same collection amount. In addition, to sending this letter they also called to speak with him about this debt. Once again, he is not on my health insurance account - nor is he provided access to my health bill information. I have copies of both letters that show XXXX letter is addressed to me for {$190.00}, account # XXXX. The other letter is addressed only to him for {$190.00}, account # XXXX. This is a predatory collection practice that should not be allowed by any collection agency. In addition, sending a collection letter to an unrelated party is illegal. If the procedure or hospital visit I was seen for was not to be disclosed to my spouse this letter could cause a potentially damaging situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (I do not know) with Aldridge Pite, LLP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was in receipt of a letter dated XX/XX/2016 signed by XXXX who works for Clear Recon Corp. This letter of debt and documents attached are disputed in its entirety. I am working with a single point of contact from XXXX who is XXXX. The Home owner bill of rights statute of conditions precedent are still pending. I have attached a letter that will be sent to XXXX who works for Clear Recon Corp. This is to stop all collections Pursuant to FDCPA 15 USC 1692c to cease communication with consumer and any further attempts to collect a disputed debt that Clear Recon Corp. alleges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.

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 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office '' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (NV).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.

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 03-02-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed to me.

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 06/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: From XXXX the alleged interest rate was 4.5 % and from XX/XX/XXXX-Present the interest rate is 6.5 %. I would like to see the documentation to support the interest variance. My alleged original principle balance was {$640000.00} and is currently {$640000.00}. I would like to see documentation as to why this amount has increased. There is a reinstatement quote dated XXXX/XXXX/15 which is a breakdown of the alleged amount of {$68000.00} alleged interest due of {$170000.00}, alleged escrow amount of {$210000.00}. I would like to see the breakdown report to support each XXXX of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: There was a glitch in the system. These inquires were added back to my report.

Company response to consumer: Closed with explanation