milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Deposits and withdrawals

Complaint: I made a check deposit on XXXX/XXXX/2015 at Wells Fargo bank in XXXX oregon yesterday and because the bank created an overdraft two times in 6 months they put a 10 day hold on the check we checked the account the check was drawn on and the check was paid. I called wellsfargo and informed them that the check was paid last night and that I wanted the money made availe I was informed that was n't going to happen. 

Yesterday as every month I made payments to my credit card it was noted and pending yesterday but today the payments are not there the bank said I did not make the paymentsAnd that my balance is XXXX+ this is how the bank causes an overdraft they force this by deceptive practices This has got to stop it is unfair that a bank can keep me from paying my bills with my money and that a draft that they have gotten paid on remains on hold this was never disclosed to me at the time of opening the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Payday loan debt) with Northeast Recovery Solutions, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I made arrangments to settle a debt with a third party which is XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. After I told them I would need them to validate the debt and sent documentation from the previous creditor they sent me an email with my name social and the name of the previous creditory. I told them I would need documentation fromt he previous creditor showing the amount that they are telling me I owe. XXXX XXXX who is with XXXX XXXX said they do not need to do that and they will be contacting my job even though I told them I am not allowed calls at work. He said they are not a debt collection company ( which is a lie ) and he is still going to call my employer. I have all of this recorded.

Company response to consumer: Untimely response
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a student loan account with XXXX from XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT NOT REPORTING CORRECTLY. I HAVE DISPUTED THIS WITH EXPERIAN AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT. THIS ACCOUNT IS NOT DUE TO COME OFF TILL XXXX OF XXXX, IT A POSITIVE ACCOUNT ON MY CREDIT REPORT. WHEN I DISPUTED THSI I WANT THE ACCOUNT TO BE UPDATED NOT DELETE. I CONTACT THE CREDITOR GRANITE STATEMENT MANAGEMENT AND THEY SENT ME A PAYMENT HISTORY OUT THAT SHOWS MY HISTORY ON THE ACCOUNT FROM XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT SHOWS FIRST REPORTED THE CORRECT DATE AS XXXX XXXX XXXX. BUT ON MY EXPERIAN CREDIT REPORTS MUCH LATER IT SHOWS A DATE THAT IT WAS FIRST REPORTED AS BEING IN ACCURATE. SO I DISPUTED THAT AND WITHIN A COUPLE OF DAYS IT WAS DELETE OFF OF MY CREDIT FILE. XXXX SENT UPDATES TO ALL XXXX CREDIT BUREAU TO GET IT UPDATED AND I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE SINCE IT REPORTING POSITIVE ON MY CREDIT REPORT. I HAVE ENCLOSED MY CREDIT REPORTS TO SHOW PROOF AND A STATEMNET HISTORY FROM 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 06-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX &  XXXX  of this yea r Portfolio rec overy began sending notices and calling for a debt collection from  XXXX  's of  XXXX  which was charged off and sold to them because I began disputing items on my credit that did not belong to me. According to credit report they purchased this account on  XX/XX/XXXX  never signed a contract with portfolio recovery it was a closed account when my report was ran on XX/XX/XXXX after which I disputed because I did not owe nor do I owe a debt to portfolio recovery. I have never acknowledge the debt with them because it is not my debt. After disputing after the 30 day deadline to validate they sent a letter with copies of statement that anyone could get still have not sent proof of a signed contract nor any proof that the debt was validated. On  XX/XX/XXXX  I received a letter from a lawyer stating that they now will be collecting a debt for select portfolio for the same amount stating they were contacting me on portfolio recoveries behalf. Demanding that I begin making payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Medical) with Nevada Credico, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The listing on my credit report with Quantum Collections should not be reporting on my credit. I submitted a validation request to them on XXXX XXXX, XXXX as well as disputed with the credit bureaus on XXXX XXXX, XXXX due to my validation request being undeliverable per the certified tracking. 

Finally they responded to me on XXXX XXXX, XXXX see attached response they sent me. 

The collection account listing on my report does not belong to me and the documents they sent me clearly show that they should have invoiced my wife. The " Patient Face Sheet '' that was sent to me from XXXX shows that the " Patient Name '' and the " Guarantor Name '' is my wife. Also enclosed is the Patient Ledger that they sent me even though I 'm not the patient! The only reason why my name was on any of the paperwork that they have is because my name was on the insurance card that was presented ; that does not make me financially responsible and I was not even present. In addition the bill statement date of XXXX/XXXX/XXXX for {$80.00} was clearly invoiced to my wife not to me. I did not sign any document accepting financial responsibility nor was I present. However, this company has managed to report this collection on MY credit report and refused to remove it. 

My wife offered to pay this bill in full in exchange for a deletion of the inaccurate information and they refused. 

Furthermore, they already have reported this collection on my wife 's credit reports as well. 

This inaccurate reporting is damaging my credit rating, as a result of this erroneous reporting and negligent compliance I 've been turned down for financing. Quantum has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. My good name has been tarnished and this can further cost me in my career endeavors. 

Furthermore I have reason to believe there is a HIPAA violation as her personal confidential medical information was sent to me, in response to my attempt to get this off my credit reports. Since I 'm not a financially responsible party for her to this service her private medical information should not have been sent to me. Yes, I 'm her husband but that does n't exclude her privacy rights afforded to her through the HIPAA ACT, clearly they are negligent.

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 08-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Since 2006, the year I graduated, countless problems have come directly from careless business practices, but, by far, the most annoying problem is the refusal of the company to provide an account summary of the total amount repaid on my loan from the very beginning. They will provide up to one year and nothing further. I would like a comprehensive report detailing every single payment, missed payment and total due. 

After many requests over the years, I am turning to Consumer Financial to file a complaint and get the attention of someone holding a high enough position within Sallie Mae ( now known as XXXX ) to provide me with my comprehensive account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on XX/XX/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only {$190.00} which is a total lie. MY monthly bill is {$810.00} and I paid 5 payments of {$190.00} and it was received by them on XXXX XXXX. In my bill for XXXX, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sent me that says I did n't pay my recent mortgage bill in full. I actually called US bank 2 weeks ago and complained to the agent about their harassing letters that are full of lies, the agent on phone told me yes they received my recent bill on time and that the letters they sent me were in error. Yet I still keep receiving these letters that still says I should make my monthly payment by now and threats about being reported credit bureau agencies for late or missed payment. 

I want US bank to look at my mortgage account and correct any errors and contact me to apologize for all the harassing letters and the attempted scams. In the attachments I have sent with this complaint, you will see 1 letter that proves I made my XXXX payment on time and paid more than the due, you will see 2 letters that says I did n't make full payment and threatens to report me to credit bureau agencies.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both XXXX XXXX and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I ca n't get any information on WHY loan balances are so high. I ca n't get statements. I do n't know whom even is serving my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian was notified on XX/XX/XXXX that the XXXX XXXX account had been charged off on XX/XX/XXXX. Prior to XX/XX/XXXX Experian was reporting the XXXX XXXX account as closed, current, and never late. As of XX/XX/XXXX Experian changed the XXXX XXXX account to Derogatory along with a balance of {$800.00}. Experian Credit Reporting Acengcy also listed that the account had been charged off on XX/XX/XXXX. That is seven years after the actual account was charged off. This is re-aging an account and is illegal. The account is over seven years of age and should not even be on my credit report!!!! The original loan was never even in my name. It was a car that my husband leased in his name. I will include letters from XXXX XXXX showing only my husband listed as the borrower, proof of when the account was charged off, copies of my credit report from Experian Credit Reporting Agency showing that they charged off the account one month ago on XX/XX/XXXX. I am now getting notifications as if I just filed a bankruptcy, when in fact my bankruptcy was discharged back in 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PHH Mortgage Services Corporation (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Mortgage company XXXX/PHH mortgage reported a late payment XXXX 2017. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via XXXX, PHH Mortgage denied it, claiming it was late. I have evidence to the contrary.
Also, XXXX has zero credibility anymore and should be dissolved

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I received an offer in the mail to get this loan. It stated a interest amount of around {$200.00} to borrow the {$950.00}. I was under the impression that I could pay this off in a month and only pay the interest and what I borrowed. I have tried to get a hold of the company and they insist that all the payments I have already made were completely interest and I still owe {$950.00} plus more interest to get out of their debt. I have currently paid {$890.00} in interest only and {$33.00} towards the {$950.00} I borrowed. I just want them to let me pay the fair price for what I owe them from what I borrowed and be done with this. Right now they are debiting {$180.00} every 2 weeks from my bank account and they state they will not quit doing this until XX/XX/XXXX. That will be {$3700.00}. Please help me in getting this settled. I was uniformed and unable to view the lending disclosures on how much this would cost me until after the funds had been delivered. I was under the impression I could pay this off with a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( 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 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have mixed files on my credit report. 
1 ) XXXX 2 ) Bankruptcy 3 ) 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 non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.

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 03/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: I signed up for the Capital One Quicksilver card via this link : XXXX As you can see, it specifically advertises that there is no annual fee. A month after my enrollment, I noticed a {$39.00} membership fee charged to the account. I have called and emailed several times, presenting evidence of the original offer, but they reply with automated messages, ignoring the substance of the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: They accepted my deposit but tell me have company do stop payment they are n't closing my account as instructed or giving me my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Making/receiving payments, sending money

Complaint: have reached out to capital one by mail and as they are4 a bank and they refuse to call me and when i do call them they refuse to transfer me t multiple depts the correct department to change and modiffy due date to reflect my social security check and i was told at one point if i call back and pay XXXX to get my account current they could change my due date and suspend al further late fees ; i also did reach someone who mentioned my credit limit was XXXX but i somehow owe XXXX currently ; capitol one case number XXXX each time im transferred they ask me to verify my identity each time ; i need you to reach out to them and get someo0ne in senior collections to process the suspension of all late feees dept and change my due date and i would like an investigation how my credit limit is XXXX and was told XX/XX/XXXX i did a atm withdrawel and in six monthsthe balance has grown by over XXXX mr XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several 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 05/16/2017 about Debt collection (Other debt) with Credit International Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit International i s attempting to collect a debt over {$4000.00} for a balance they received from  XXXX   XXXX . The interlock device was removed from my car. There were several attempts to resolve the issue with  XXXX   XXXX  and they declined the settlement offer. They waiting 4 years to send to collection agency. My balance prior to all the late charges and finances charges for 4 years added up to the balance over {$2700.00}, now I am being told  that Credit International is w anting over {$4000.00} for the balance that was owed after the interlock was removed from my car. Several attempts to settle the issue with  XXXX   XXXX  is documented and they declined to the settlement offer.

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 01-04-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Using a debit or ATM card

Complaint: I have had an existing business debit Paypal account for over 2 years, suddenly Paypal has held my money illegally without the right to file a claim, complaint or legal reason for holding the funds. 
Paypal is currently not registered as a Transfer Agent accordingly to law and what they are doing is illegal according to consumer law.

Company response to consumer: Closed with explanation