milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a settlement amount for XXXX XXXX XXXX for a Lowes debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XX/XX/XXXX, my balance on my settlement would have been {$110.00}. In XX/XX/XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.

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 10-11-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. 
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. 
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. 
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
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 wrote 9 letters ( sent via USPS Postal Service Certified Mail ) to EXPERIAN requesting proof of verification about items that I identified in my credit report as inaccurate, outdated or incomplete. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. <P/>Tracking Number : Certified mail Receipt Green Card/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They failure to provide me with verifiable proof required of account listed on each letter. Instead, they send to me a letter that says ... " We have previously processed this dispute and the creditor has verified its accuracy ''. No evidence of proof of verification has been send to me. <P/>Attach will find the last letter sent to EXPERIAN, LETTER # 9.

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 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My direct deposit for my social security check was fraudulently changed in XXXX so I wanted to look at my credit report and ca n't get it without paying for it. I strongly feel my identity has been stolen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My name is XXXX XXXX and unfortunately I was brought into a conspiracy by the U.S. Government. I was wrongfully XXXX for 7 years in XXXX. Before I turned myself in eight months later I was receiving SSI for my XXXX of a XXXX XXXX/XXXX XXXX  was in paired. I suffered a overwhelming hardship and need money to fight my case. LEGALLY SSI IS CONSIDERED EXEMPT MONEY AND CAN NOT BE GARNISHED FROM MY ACCOUNT. i WAS NOT ABLE TO GET THE MONEY BECAUSE THE CHILD SUPPORT AND WELLS FARGO SEIZED OVER {$20.00} FROM MY BANK ACCOUNT. INAPPROPRIATE GARNISHMENTS RESULTED IN A FINANCIAL HARDSHIP FOR ME AND MY FAMILY ARE CONTRARY TO LAW. SUPPLEMENTAL SECURITY INCOME BENEFITS UNAUTHORIZED UNDER TITLE XVI OF THE ACT ARE EXEMPT FROM CHILD SUPPORT GARNISHMENT AND INCOME WITHHOLDING. WELLS FARGO DID NOT PROTECT MY ACCOUNT OR MY MONEY. ALL OF THE MONEY GARNISHED BY CHILD SUPPORT SHOULD BE REIMBURSED BACK INTO MY BANK ACCOUNT WITH INTEREST. WELLS FARGO SHOULD BE HELD ACCOUNTABLE AND TRANSPARENT. FINANCIAL HARDSHIP! MENTAL HARDSHIP! EMOTIONAL  HARDSHIP. I NEED HELP! 
On XX/XX/XXXX2011, the department of the treasury, in conjunction with other federal agencies, issued an interim final rule, regarding the garnishment of accounts containing federal benefit payments. In light of this rule, the federal office of child support ( XXXX ) is emphasizing our policy related to garnishing federal benefits, especially those related to ( SSI ) income benefits. We urge state and Tribe child support agencies to implement automated and manual safeguards to ensure that SSI benefits are not garnished. 
The social security act ( the act ) permits garnishment of child support directly from the federal payor of " monies payable to an individual which are considered to be based upon remuneration for employment ''. See section 459 ( h ) ( 1 ) of the act. In nearly all states, if the state is unaware that a noncustodial is receiving SSI and the funds in the bank account are frozen, the state has procedures in  place to quickly release the funds back to noncustodial parent, the rule goes on to

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 11/22/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (PA).
Issue: Can't contact lender

Complaint: I do not want this lender to contact me anymore period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I had suffered an XXXX incident that left me XXXX  and in a XXXX for ten days. During this time, XXXX XXXX XXXX XXXX was holding my college loans which were on deferment and scheduled to resume payments in XXXX of XXXX. The nature of my injuries were XXXX and XXXX. I have no memory of what happened before the event and nothing for 2 months following it. Through extensive therapy, I was regain physical control of my body back nearly 100 %, with the exception of a XXXX issue that involves XXXX  because that is XXXX in nature. Due to the nature of my injury which left me in an XXXX status for quite some time, my mother contacted NELNET and advised them of my medical status. She had to do so, because I was in multiple hospitals until approximately XXXX XXXX of XXXX. She was advised to fill out a request for XXXX status, which she did, but NELNET never followed through on it. In turn, NELNET had continued negatively reporting on my credit report and until I received a notice almost a year later. I was forced in to resubmit all the documentation my mother sent them to get my loan placed on a XXXX status, but the damage was already done to my credit. While I was unable to care for myself, my mother ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Account status incorrect had faxed Nelnet 's XXXX program medical verification. I had to refax all that she had sent them with the fax confirmation report to have them complete the process after receiving a delinquency letter. I was out of work until XXXX of XXXX because I was on an extended leave from my job do complete advanced therapy. During such time, I was receiving supplemental income through my enhanced XXXX protection insurance that I had taken through the school board where I work, until I was medically cleared to go back to work full time. But, during this time, NELNET had damaged my credit and even though I had filed a successful bankruptcy in XXXX and was cleared by the courts, college loans because they are subsidized by the Federal Government are not impacted by such legal actions. This issue is impacting me getting a mortgage to purchase a home at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Collections from Original Creditor : XXXX ... This is not my debt. How did they get my social security number and information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hi my name is XXXX XXXX and I 'm filling a second complaint against bank of America again I received a letter about my claim and it was denied by the bank in the amount of XXXX and it was rebilled back to me and I also received a phone called from a banker and she was unprofessional and called me too early in the morning and told me that I was denied on another claim for XXXX XXXX in the amount of XXXX and XXXX and I was rebilled twice and I never used the temp credit and I also received a rebilled for XXXX in the amount of XXXX and XXXX in the amount of XXXX and never was issued a temporary credit for those two charges and I was told that my investigation will be reopend but I have n't got my issued resolved yet and my credit score is dropping by 15 points every two weeks and I 'm not responsible for these charges my card was stolen alone with my wallet and car keys I report this to the ploice dept and call bank of America and open up a dispute in the amount of XXXX and it was denied because of the chip use and I told bank of America I never used my card at stores and they have n't done anything and leaving me responsible for the charge and I cant afford to make payments for it I called XXXX bank to put a stop payment on XXXX because I did n't authorize it that debit card was stolen as well and I got a new debit card on that on ending 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 10-09-2017 about Money transfer, virtual currency, or money service (Check cashing service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Unexpected or other fees

Complaint: After researching this issue, I have found that this practice is a LEGAL practice. However, I am submitting my complaint, because it is not an ETHICAL practice.
I received a refund check from two different places. One is from my XXXX XXXX XXXX XXXX University for {$3600.00} and one refund from XXXX XXXX XXXX XXXX for {$10.00}. 
XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX However, both checks were issued by Bank of America. I went to my local Bank of America to cash the checks. ( I wanted to cash the checks because, I do not have a bank account, only a prepaid card ). Thus, I would have to cash the check and deposit the money on my pre paid card. Bank of America charges {$8.00} TO CASH A CHECK IF YOU ARE NOT AN ACCOUNT HOLDER. I feel that this is unfair and unethical. Although it is legal, and the banks have the right to do this. It is unethical because the bank is essentially requiring a fee be paid to fulfill their own note! They are able to look up the account holder who issued the check and determine that the funds are available and issued to said recipient, but want to charge this ridiculous fee. for what??? 
Of course, I did not mind cashing the large check. However, to cash the {$10.00} refund, then I would only get {$2.00} back! Banks and financial institutions are supposed to assist the consumer to responsibly manage money, and avoid reckless spending. Yet, these same institutions IRRESPPONSIBLY APPLY UNNESSARY AND OPPRESIVE FEES back to the consumer. I am glad that some intuitions are taking the higher road.  Banks such as XXXX and XXXX XXXX do not charge these fees, or have very low check cashing fees. I have attached a copy of the checks for review.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: ON XX/XX/XXXX I FILED A DISPUTE WITH EXPERIAN IN REGARDS TO A CHAPTER XXXX FILING XXXX THIS DISPUTE AFTER 1 YEAR WENT ALL THE WAY TO CONSUMER AFFAIRS ON XX/XX/2018 I SPOKE WITH A WORKER AT EXPERIAN THAT WENT BY XXXX HE SAID THAT THEY CALL THE CLERK OF THE COURT AND FOUND THAT THIS CHATER XXXX FILING WAS ACCURATE WHICH IS FOUND TO BE UN TRUE BECAUSE I FOLLOWED UP WITH THE US BANKRUPTCY COURT CLERKS  OFFICA AND THEY SAID THEY DO NOT TALK OVER THE PHONE WITH ANY ONE EVER CREDIT REPORTING AGENCIES WITHOUT PERMISSION FROM A JUDGE. THEN I PUT THIS ITEM IN DISPUTE AGAIN THE NEXT AGENT SAID THAT IT WAS VERFIED BY A 3 PARTY VENDOR ... ACCORDING TO THE FCRA ANY INFORMATION VERFIED BY A 3 PARTY VENDOR THE CONSUMER IS ENNTITLED TO THE NAME OF VENTOR AND DATE AND TIME IT WAS VERFIED.. FURTHMORE THIS CHAPTER XXXX WAS ORDER REMOVED BY THE JUDGE FROM ALL PUBLIC RECORDS ... THIS ITEM AS BEEN IN DISPUT 8 TIMES ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have a debt with citibank for an old XXXX card, my debt was sold to a company called XXXX. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by XXXX with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.

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 07-11-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe this debt and there are 2 different ones on my credit bureau reports. I have asked for validation of this from this company and have not received anything. I do not owe this company and have never done business with them or have never had a contract with them. They are ruining my name and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XX/XX/2014, I changed my landline service from XXXX XXXX XXXX to another provider and paid the landline bill in full. 

Since that time, I have continued to be plagued by collection notices from XXXX XXXX XXXX XXXX and Franklin Collections, saying I owe for that account. 

Each time, XXXX XXXX XXXX says there is a XXXX balance. Sometimes they bounce me around to wireless accounts ( where my cell services still resides ) but that is current so irrelevant. 

XXXX XXXX XXXX refuses to provide me with anything in writing showing the account is satisfied. 

The debt collectors are relentless, sending mail notices, calling, hounding. 

My identity has been compromised by having this information sent to these sleezebags. 

My credit is at risk unless I pay $ XXXX+ per contact that I do not owe. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Regarding XXXX Credit Card accounts with XXXX. XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My XXXX also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES to the IRS and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!

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