milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Debt collection (Medical) with State Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX provides me with XXXX and other medical products and services. I am covered by medicare and I carry a medicare supplement to cover all co-pays, etc. I am XXXX % insured. XXXX claims unpaid balances from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They never asked me for payment. My first notice of this was thru the collection agency letter ( attached ) which arrived on XX/XX/XXXX. State Collection infers the possibility of referring my name to a credit bureau if I do not pay these amounts. I have spoken to Medicare and found that the only XX/XX/XXXX claim was paid in full on XXXX/XXXX/2014 and forwarded to XXXX XXXX XXXX XXXX for payment of the patient responsibility portion. XXXX claims that the XX/XX/XXXX and the XX/XX/XXXX bills were duplicate billings and were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit determination

Complaint: In XXXX, I opened a Secured Credit Card with Bank of America of XXXX dollars, I used it properly and I always made the payments on time. 
In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. 
After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. 
Last year, they sent me letter in which they said, I do n't own anything to Bank of America but I need to get this removed from my Credit Report, please!

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 05-02-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: i made a deposit on  XXXX / XXXX /  XXXX   for  XXXX  my bank put a hold wo notifying me in writing or verbally and then extedned the hold so the check has been on hold for weeks and i filed a complaint with the office of the chairman the lady called me was acting  dumb  and rude and telling me the bank the check was drawn on has not paid them and i told her otherwise she accused me of lying and told me to go back where i came from, i got proof the check was cashed and the bank was paid and they still have a hold and there refusing to release my money i bebelieve its because im  XXXX  bc the lady told me to go back where i came from, i need help i need my money released, this bank is commiting fraud and illegal activity, she also claimed its bc the check is not in the same name as account will thats  XXXX  they accepted the deposit and i have a check cashing license and this check belongs to my llc for the property for this same business and its a new excuse everytime enclosed you will find proof this bank is commiting fruad they where paid the next day for this check there using my money and holding my money wo paying interest and i had retured credit card payment fees that i paid from this checking acct they returned and charged me and they charged me im out like  XXXX  plus  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Oportun Financial Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: While looking for a mortgage lender, Quicken Loans customer service agents stated numerous times via email, voice, and online communications that they would be able to accept semi-monthly payments ( XXXX payments a month ) and suggested that those payments would be applied immediately. After obtaining my loan and making semi-monthly payments I noticed that Quicken Loans would wait until the second payment is received before applying the payments. After a reply from QL via XXXX, they notified me that mortgage interest is paid in arrears. Although this is not a common term ( try XXXX it ) and is not normally used with mortgages, it means that the half payments would make no difference. 
1 ) Quicken Loans mislead me on several occasions to believe they would accept and apply payments immediately. ( email available ) 2 ) Quicken Loans does not easily disclose how their mortgage interest is calculated. ( try searching " arrears '' and " quicken loans '' ) 3 ) Knowing this, I would not have went with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact Transunion, XXXX, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.

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 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I beilve I have been impacted by the hard inquiry glitch issue that has been affecting transunion, I have made numerous attempts to have these inquiry 's removed from my report as to I have not inquiried for the credit there stating I did, I have no gave my consent for these company 's to inquire credit on my report, I have listed below the inquiry 's that were fraudulently placed on my credit file XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX CBNA/sears. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/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 06/22/2017 about Debt collection (Credit card debt) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX   2017  I was mislead into paying a past credit card debt for Fifth Third Bank. I agreed to pay the settlement amount if this would be removed from my credit report. The representative assured me that the charge off would be removed from my credit report within 30 days. I have contacted fifth third bank several times and have been treated unprofessional and told this could not be removed. This charge off on my credit report is negatively affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet, my loan servicer, has been actively preventing my payments from going through the way I want them to. I have had special standing instructions for my auto-debit to apply all extra funds to the loan with the highest interest rate, but this is the second time they 've been " misplaced '' after my payment goes through. I have no way of viewing these instructions or verifying that they 're being followed until way after I make my payment without calling Nelnet. Access to the proper information is buried way too deeply on the site. They keep using their own way of applying funds where they " catch up '' my lower interest loans to where my higher interest one is in my payment schedule, then I have to spend about 1-2 hours every single month correcting the problem with them. Their website does not show any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: I have had many on going issues with the honesty and transparency in regards to Huntington bank. I have seen instances of being double debited by te bank on menial debits but have since added up to XXXX ( the ones I have caught ). y second complaint to which I have wrote in the past is My card was double charged by a vendor I have filled out XXXX investigations and never hear anything from the bank and the customer service is horrid when I call. The charge was XXXX and you can see XXXX charges same amount. Nothing was ever done.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am requesting the removal of one Bankruptcy ( below ) on my Equifax, XXXX and XXXX  credit report ( s ) due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible. Bankruptcy Ref. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I opened a bank account at a local wells Fargo Bank, and yes I am a victim. 
The bank account I was told had to ave a savings account attached but it would not be debited unless I overdrafted or failed to have XXXX withdrawals from checking in a calendar month.Then through stupidity I bought something on a pop up and although my account also said nothing would be taken from that saving account to cover the overdraft and there would be no fee for being overlimit on my account if it was under {$5.00} they took it from my account and although the vendor gve me a credit the money was never put back in my account then they started taking money from the account for fees, an account I did n't want in the first place. then they told me that unless I added more money to my account it would be closed. Then that money was suddenly gone, the day after XXXX was put in. The documents attached to my statements disappeared. Then the statements disappeared and they were supposed to be there for 7 years. I called the number on the back of their card and they told me the money had been taken to cover an overdraft on a previous account which was totally wrong and she was supposed to have a copy of that pre vious account e-mailed to me and the line went dead. Nothing was ever e-mailed to me and I have no idea what they are talking about since when I left their bank previously to go to XXXX XXXX it was because they had without notice closed my fiances account and left him with no way to get his social security check, Guess they get their money any way they can. I was very irritated at the girl I was talking to on the phone and said no wonder you are always in trouble with the fdic, and she said they weren'tI I told her two weeks ago that I was going to make a complaint, and within a day or two we heard the news about firing XXXX employees at wells fargo and they were being fined a very large amount. 
I told the lady when I opened the account that My income was very low and could not afford to lose any to fees. She said it would be taken care of within a month they were taking money from my savings, All of the problems below were part of the problem, they would freeze my debit card because I spent more than the alert I set up and they sent me an e-mail that did n't say I had to respond, so I 'd be out for lunch with no way to pay for it. That happened twice on this account and at least once on the last one

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a  XXXX   XXXX  account on my credit file that does not belong to me. I have disputed this account for many years as a case of identity theft. It was removed by all CRA except Equifax who has been doing a shoddy investigation or nothing at all. Equifax kept putting this derogatory item on my credit report regardless of the fact that   XXXX   XXXX   can not substantiate this claim that I ordered anything from them.  Below is the way they posted the record on my Equifax file. If the account was closed and charged off in  XX/XX/XXXX , why is it been charged off again in  XX/XX/XXXX ?    I believe Equifax is more interested in messing up people 's credit profile than helping them correct erroneous entries.   I have recently contacted   XXXX   XXXX   again with a completed identity theft form notarized and mailed to them. Please, I need help with Equifa x 81-Month P ayment History Year XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   Back to TopBack to Top

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: enormousI was notified by my employer about a possible wage garnishment regarding a judgement I had never made aware of. I was shocked when I found it this legal action was filed in  2012. I  was not properly served, and I have a very strong suspicion that they purposely lied about whom they served in order to push this lawsuit through and obtain a default judgement. Furthermore, the law firm has engaged in unfair and shady practices by attempting to use outdated writs to try to seize my property. When I spoke with they  XXXX   XXXX   XXXX , and asked them why they did n't serve me personally or attempt to contact me back i n 2012 to resol ve this, they were extremely rude and condescending. The debt has grown to enormous amounts and it is a clear attempt to use the legal system to inflate the debt and force me into paying close to triple the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Consumer Loan (Vehicle loan) with Skopos Financial, LLC (GA).
Issue: Shopping for a loan or lease

Complaint: HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file last XXXX of ss XXXX reported XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: i was serve with a complaint by XXXX XXXX credit card ... and was in court yesterday and the attorney claims they are employee of XXXX XXXX,, prior to court services when i was serve i call XXXX XXXX card service to get information for this claim.. and i was told that it was charge off and had been given to attorney network ... but the attorney i asked them are they working on behalf of XXXX XXXX and any money that they receive will it be going to XXXX XXXX or a collecting agency, they stated that they where going to forward it to XXXX XXXX that what they told the mediator ... when we know that not true, in the complaint they stated that a copy of the contract was attached and it was enter into valid consideration and lawful and proper purposes and is legally force able in all respect .. but there is no actual contract submitted, they are trying to say the billing statement is the contract, when i told them i did n't open the account that they are pursuing, that it was open with the intent of me being the authorize user, i never new that my information was being use to be the card owner, unaware because i never had a card until later, the person that open the account had the card in there name later when was given to me, with my name i was told that they added me as the authorize user i could use it but i never did, so a ask if they could show me the contract that i sign, which i never did so i disputed it, the attorney stated in the complaint that the plaintiff and the defendant consented to a sum of the credit balance due, no i never did, in the Affidavit it state they are and employer of XXXX XXXX and have personal knowledge of the matter of how capital creates and maintain certain business books and records including computer records of the customer account authorized by them ... when i myself did n't open that account, so that would be consider hearsay, there no proof or contract to that matter that has my signature, i just checked my credit report it states that it was charge off, so why would capital still be personally pursuing this debt, the attorney is making up anything to collect, so i stated to them that i did n't open this account someone else open this account without my permission, they said they are employers of XXXX XXXX so why cant they come up with and actual contract

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE THIS INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a written request on XX/XX/2017 to Transunion via USPS mail. In the request I asked the bureaus for formal validation of adverse accounts appearing in my report. I also specifically for physical proof of how the debt was validated and I did not receive this. The only thing I received is a copy of the credit report showing that the remarks was updated to " Paid in Full/Was a Charge Off ''. According the FCRA consumers have the right of formal validation and if not it should be removed from my credit reports. I am requesting that the accounts XXXX XXXX and XXXX be deleted as my rights under the FCRA were violated. Furthermore these account were sold and transferred which means NO CONTRACT. Please removed from my report.

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 11/24/2017 about Checking or savings account (CD (Certificate of Deposit)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: while going through old papers which belonged to my XXXX husband, I found 2 CD certificates from XXXX XXXX XXXX in XXXX, now defunct. I researched and found that bank became LaSalle Bank and later Bank of America. I went to Bank of America, but the account numbers were not in their records. I was given no further advise I have the original Certificates with Customer names and account number and date of issue and date of maturity.

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 11-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Skrill USA, Inc. (NV).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/XXXX I received a deposit into my Skrill account. I was unable to withdraw the funds because they stated that my account needs to be verified. I followed the instructions by hitting verify and I was told that Skrill would deposit micro amounts in my account for verification. 

This happened a day after, however, there was nowhere on the site to enter these amounts. I contact Skrill by phone and was told that they are aware there is nowhere on the site to enter these amounts, so I would need to send a copy of my bank statement. I forwarded a copy of my email while still on the phone with the rep. who confirmed that it was received, and it would be looked at on XXXX XXXX/XXXX/XXXX. I called back on XXXX and was told they are still in the process of verifying my account. I had multiple conversations with different reps until one finally said that they would do a manual transfer for me while I await verification. This manual transfer happened on XXXX/XXXX/XXXX. Another transfer came in on XXXX/XXXX/XXXX. An amount earmarked for my mortgage, at this time my account has still not been verified and I am still unable to withdraw my funds. 

The phone calls to Skrill begin again with each rep telling me something different. I just got off the phone with a rep today XXXX/XXXX/XXXX who told me that a manual transfer will not be done for me this time, like a previous rep told me because I received one before. As usual they will contact me when they have a status update on my account. They keep telling me this, but no XXXX contacts me from XXXX. So here I am stuck, no verification, no money, no contact from Skrill. On their XXXX page they state that this process takes 24-48 hours. But here I am 8 days later still nothing.

Company response to consumer: Closed with explanation