milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX on XX/XX/XXXX sent notice regarding XXXX XXXX  @ XXXX claiming {$510.00} as sums due. XX/XX/XXXX I sent dispute letter via certified mail requesting validation for said sums and informed them I was represented by legal counsel. XXXX XXXX XXXX received said correspondence on XX/XX/XXXX. Correspondence dated XX/XX/XXXX from XXXX XXXX XXXX claiming same amount, {$510.00} with itemization of charges. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by XXXX XXXX XXXX. As of today, XX/XX/XXXX XXXX XXXX XXXX has failed to respond to the dispute letter. Correspondence dated XX/XX/XXXX was received from Wakefield and Associates regarding XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX sent correspondence claiming {$860.00} as sums due for the very same account XXXX XXXX XXXX . In that correspondence they claimed to be responding to my correspondence to them. I had no correspondence with them regarding this or any other matter at the time. What they failed to disclose is that Wakfield and Associates and XXXX XXXX XXXX are one and the same - as per discussions with XXXX XXXX XXXX XXXX their client. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by Wakefield and Associates. As of todays date Wakefield and Associates XX/XX/XXXX has failed to respond to said dispute letter. Each sum claimed was in contradiction with XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX statement of account. the On XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile by XXXX XXXX XXXX for yet another differing sum of {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX @ XXXX account. XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile By Wakefield and Associates for yet another differing sum 0f {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXX @ XXXXXXXX . account. Further both of these entities disregarded the fact I was represented by legal counsel on this matter and never contacted my legal counsel - which was requested of them to do in each and every correspondence with them. The same company under different names acting as a third party attempting to collect a debt ; submitting claims with differing amounts for the same account, unable to disseminate the actual amount due and ts client 's billing, refuses to contact legal counsel, fails to respond to dispute letters and then files collection activity on credit profile with yet another differing amount violating Federal Fair Debt Collection Practices Act, and fails to dislcose that XXXX XXXX XXXX and Wakefiled and Associates are one and the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a letter on XX/XX/XXXX from capital one congratulating me on opening my new card which I idi not do. I never filled out an application online or in writing. I called them on XX/XX/XXXX and asked them to close this account immediately and asked how this was opened. They suggested that someone in my household opened the account which was very insulting as it is my wife and I alone. I have contacted them on the phone on XX/XX/XXXX and they refuse to discuss the account even though I have given them the credit card number unless I give them my SS # which of coarse I will not. I have never applied for a Capital one card and my SS # is my personal information. They refuse to answer the question of if the account is closed without it and I refuse to give it to them. Is this another XXXX XXXX Fraud problem with Capital One Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have a Wells Fargo checking, savings and business checking account. I want to complain about Wells Fargo 's manner of charging outrageous fees one on top of the other, in order to get more fees than they are supposed to collect for a balance overdraft. Additionally, I went to change my " overdraft protection plan '' several weeks ago and the website acted like it changed it but never did, so I received more overdraft fees ( I tried to make it so that when you use the debit card, it simply would not go through, rather than go through for a XXXX dollar purchase, triggering a {$35.00} fee, for example ). It also seems like money went missing from my personal checking account on several occasions, but i ca n't seem to track down exactly what happened. i do n't believe it 's fair to charge over XXXX in fees for a few small transactions that went under XXXX, especially when I 've been a customer for a long time and always refresh the account so when on occasion it dips low, it does not stay that way for long. I 'm out of work and looking for a job, so theses fees have caused me to not even be able to purchase food or gas for my family.

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 12-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   Navient, had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multipl e reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Second complaint from original CPFB complaint # XXXX a monetary relief agreement was given but Santander USA, has yet to apply to my balance this would XXXX out my loan and it would be paided in full also title would be issued after that they stated 5-7 to reflect that has yet to happen. Also, please remove from the 3 credit bureaus as mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The Chase card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They are reporting old address on my credit file that were never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted today by " XXXX '' from XXXX XXXX XXXX. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an Old Navy credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. I am well aware TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and my rights were violated by TransUnion. I am asking you to help me make TransUnion stop victimizing me. As a resolution I ask kindly for  All  TransUnion inquiries affcted by the glitch to be deleted permanently from my report as a violation took place when they were illegally added.   XXXX  Thanks in advance

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 03/27/2017 about Bank account or service (Checking account) with Empowerment Ventures, LLC (MI).
Issue: Using a debit or ATM card

Complaint: Someone took over XXXX from my rush card account. I dont how exactly but i know my money is gone because of a scammer. I never provided nobody with my personal information to my card and i notified my card company in a reasonable time frame and now they are refusing to return my hard earned money. I am XXXX with a XXXX year old daughter with a mother thats not around. Pleaseeee i neeed some help sooo bad because they wont return my insured money threw their bank. I never made none of the transactions on the dispute form and cameras from each location of every unauthorized transaction is my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Other

Complaint: I have an American Express card however, they call my WORK phone constantly XXXX or XXXX times daily. This is a work phone that should not be used. Can we get this bill down to a reasonable payment plan? We are in good standing, however, Is it possible to get this down? Please stop contacting my work phone XXXX with collection phone calls. My supervisor is getting these calls to PLEASE STOP and mail information to me XXXX XXXX XXXX XXXX XXXX Pa XXXX. What can I do too pay this off? Also increase my credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have previously requested from all three credit bureaus : XXXX, XXXX, and EXPERIAN the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, 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 10/21/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans from Sallie Mae. Over the course of six months, I enrolled twice in a payment plan. Making only XXXX a month they put me on a plan that would have me making $ XXXX monthly payments. I was denied twice this plan and XXXX XXXX accounts the company did not contact me to let me know. The second time this happened Sallie Mae had my bank account information and began taking out a total of {$740.00} in the form of autopay. Something I had never authorized. This cost me money that was supposed to be in my account to not be there, as well as returned check fees charge by my bank when the sufficient funds were not available, since the amount Sallie Mae was attempting to take out was higher than agreed on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit card () with PAYPAL HOLDINGS INC. (MI).
Issue: Unsolicited issuance of credit card

Complaint: I was using my PayPal account to purchase an item on EBAY. When the option for PayPal came up I selected pay and link my accounts. PayPal asked for confirmation and the last four of my social security for security purposes. Two seconds later I have a credit card I did not want! They ran a hard check and will be on my credit report for two years. Can I please get this inquiry removed? What can I do to stop PayPal from doing this to other people? They are deceiving and stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this Inaccurate reporting with all three credit bureaus XXXX, XXXX and Experian. Each time it comes back as verified but the information is still incorrect. I have contacted the XXXX XXXX XXXX XXXX Bank as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XXXX Payment History show as XXXX day late for XXXX. 
Date of First Delinquency show as XXXX Credit Report show XXXX day for 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 09-09-2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation