milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Debt collection (Credit card debt) with Resurgence Legal Group, PC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: nam e resurgance legal group LLC,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ILL, Re subject CC account number   #  XXXX ,  ref #  XXXX  to whom this  XXXX  concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of  XXXX  I prefer a " true bill '' but will accept a statement [ by  XXXX   XXXX  ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form.   please be advised you are also in violation of information breach, as i will provide the app licable law [ s ] in my nex t complaint thank you very much,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Using a debit or ATM card

Complaint: Hi I found a few fraudulent transactions in my wells fargo account that I do n't frequently use up to a little more than XXXX months old. I was able to resolve with the merchant myself on most of them except one of {$480.00}. Over the entire process, Wells Fargo was unfriendly and not helpful. This {$480.00} transaction happened between the bank and a fraudulent XXXX account which XXXX was not able to identify in the first ACH return request attempt that Wells Fargo made. After a another round of phone calls ( I do n't even remember how many rounds I have had ), XXXX was finally able to because the fraudulent account has everything correct except a non-existing email address. Even this email has my full name correctly spelled. And now this is identified, XXXX needs another " ACH pull back '' from the bank, which Wells Fargo refused to make. Their representatives ( many ) on the phone refused to help me further by saying they never made XXXX attempt, tried to get away by blaming me for not knowing how to prevent identity theft, not reading monthly statement in time, and also refused to direct me to higher level. Please kindly help me on this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: Hi, on XXXX XXXX, 2017 I went to a restaurant called XXXX and was billed a sub-total of {$59.00}. The amount charged was {$150.00}, so the restaurant is charging me {$100.00} tip on a sub-total of {$59.00}. I did not give a {$100.00} tip, the restaurant clearly added another XXXX on the receipt. Chase sided with the merchant because they have no common sense. The signature used was also not mine, but Chase still decided to side in favor of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to conduct a proper investigation, they refuse to correct negative information on my credit report, they refuse to except documents from myself or the CFPB, which provide the correct information regarding a XXXX student loan account for my daughter which i co-signed. 
Equifax is reporting a XXXX account ; Acct # XXXX XXXX XXXX XXXX as 150 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX. 120 days late in XXXX XXXX, 90 days late in XXXX XXXX and 60 days late in XXXX XXXX. They are reporting this contradicting the update XXXX has sent them and ignoring XXXX own response to my complaint through the resolution process with the CFPB for case # XXXX. 
XXXX has confirmed they requested all XXXX credit bureaus to remove all late charges consistent with the above mentioned case. XXXX and XXXX have updated this information. However Equifax refuses to do so. 
I have sent Equifax numerous certified letters over the last 6 months, I have called equifax begging them to conduct a proper investigation. I have provided Equifax with XXXX response to my CFPB complaint. 
As a result of Equifax 's willful neglect and deliberate reporting of inaccurate information, I have been paying hundred 's of dollars a month in higher insurance fees. I have been turned down for a work van and finally had to pay higher interest fees for a work van I was able to purchase. 
Note : this account is the ONLY negative account ever to report on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (NJ).
Issue: Account opening, closing, or management

Complaint: US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.

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 11/30/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Navient, the loan servicer for XXXX XXXX Student PLUS loans will practically harass you by calling at least 10 times a day and when you answer the call in attempt to make payment arrangements based off of your income become rude, insensitive and almost hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
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: In their response to my complaint # XXXX XXXX XXXX XXXX XXXX stated that they removed my name from account # XXXX on XXXX XXXX 2017 as an additional card holder and notified all four nationwide credit reporting agencies on XXXX XXXX 2017, which includes Equifax to update their information to reflect this new information. However, because my credit report from Equifax did not get updated as of XXXX XXXX 2017, I called Equifax to find out why and they told  me that they have not received any communication from XXXX XXXX XXXX XXXX. I was told that information by 2 different persons at Equifax on the same day. My husband also tried to call the contact person from XXXX XXXX XXXX XXXX mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX XXXX my husband spoke to a credit card servicing agent at XXXX XXXX XXXX XXXX to discuss the conflict between what they reported in their response to my complaint and what Equifax was reporting to me and they stated they would re-submit to Equifax the updated information and notify my husband when that was done. There has been no response from them as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XXXX XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Community Home Lending (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from    XXXX   IL credit union date d    XXXX   XXXX   XXXX   , 1  from     XXXX   XXXX   dated    XXXX   XXXX   XXXX   and 1 f rom  XXXX   XXXX  dated    XXXX   XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have resolved a credit issue and am in possession of the letter from the creditor to delete the record from my credit report. I tried to use TransUnion website to do this but it is fraught with technical problems and the process failed. I proceeded to call the telephone support number which is XXXX XXXX. These people registered the case but I am unable to supply supporting documentation ( the XXXX page letter ) because 1. the FAX number at TransUnion does not work, 2. they do not use email and 3. they request I use snail mail which will delay removal of the offending record. The process will take at least a month and many calls to TransUnion to resolve. This is effecting me very badly. Should not take so long. With lives in the balance these companies should be required to fix credit reports on demand, within 24 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused to correct it.

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 06/17/2015 about Debt collection (Credit card) with Peroutka, Miller, Klima & Peters, P.A. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been disputing the following account for almost three years now : XXXX XXXX XXXX Last Reported Status : 90-119 Days Late Last Payment : XX/XX/XXXX Balance : {$9400.00} I have disputed it with the agency, as well as the credit bureau. The credit bureau subsequently removed this account ( XXXX XXXX XXXX ) from my credit file on XX/XX/XXXX. The account has reappeared on my credit file under XXXX XXXX XXXX. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Transaction issue

Complaint: Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once again.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a report with TransUnion and XXXX stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. 

THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. 

I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. 
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX, I requested in writing that NCB a debt collection company should only communicate with me in writing. The telephone number that they are calling is a work phone and is on an unsecured line that can be monitored at any time by individuals who should not be privy to personal matters that pertain to me. I followed up with written communication via the BBB odr system again on XX/XX/XXXX to reiterate my request to communicate via writing only.. NCB has continued to call the line and even left a voice message which has resulted in me being reprimanded by my employer for using a work phone for personal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: I have the Bank of America Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.

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 10/28/2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2007 I purchased a a home through sovereign bank. Sovereign was later purchased by Santander. When I purchased my home it was at a time in our country when very shady lending practices were n't just going on, they were status quo. The interest rate on the loan is 7 % for a first time home buyer. I have my finances well in order and have never missed a payment. The loan is the exact description of a predatory loan. I had a subpar credit rating, low income, and a small down payment. I have scratched and clawed to be able to stop foreclosure, improve my credit and keep my home. Post mortgage meltdown the same regulations that would have stopped me from having a loan like this in the first place are stopping me from moving on from the predatory lending practice. I have been denied a loan modification on two occasions, and been denied a refinance once. I have been told from lenders " You need to start missing payments to qualify. '' Imagine the hypocrisy, a loan that I have been struggling to pay ca n't be changed unless I begin missing payments, but If I start missing payments I run the risk of foreclosure if I do n't get approved for the modification. I fail to see how my income, which I higher now then when I originally obtained the loan, and my credit which is higher now then when I originally obtained the loan, are n't enough to get me a lower rate. I currently have a loan with an obscene rate generated from a predatory lending practice, and the very stipulations that are in place to stop the predatory lending are stopping me from getting a fair mortgage. How can this be allowed to go on, am I just the one person caught in limbo who did n't default, but also ca n't qualify for any resolution because I put payment of my home a top priority. Predatory lending is obscene and the fact that it went on is abhorrent, but to not correct a rate more then double the current status quo is unconscionable. Santander the lending institution has denied all my attempts at resolution. Other lending institutions wo n't refinance my loan because I do n't make enough money, even though I am currently paying, and have almost 10 yrs of on time payments at a higher rate. What is going on how can this be ok, or even remotely possible, what does America stand for anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Do not know anything about collection however it has been placed on my credit reports without proper notification or verification

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: I leased a car from Toyota with Toyota Financial Services providing the funding. At the end of the lease I turned in the car, confirmed all XXXX payments had been made and was told via their customer service line that, despite the webpage showing another payment was due in one month, I would not be charged as I had complete all of my obligations. However, one month later the payment was taken from my checking account. I called the customer service line again, they agreed to refund the money via a check ( meaning I 'd have to wait a week or more to have my money back ), but that the error was mine not theirs. The customer service representative said that it was my fault this occurred because I did not login to the website and direct them to not take any further payments. The customer service representative told me I should have been provided a prompt when I accessed the webpage, but I did not and the previous customer service representative did not say I needed to perform any such action. In my opinion this is stealing and Toyota Financial Services profits off of people who may not manage their checking account as closely as I do. Once the obligation of the consumer is completed I believe the lender also has an obligation to ensure the consumer is protected.

Company response to consumer: Closed with explanation