milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX, XXXX. 2017- Received call about a debt over ten years old. Guy claimed to be paralegal representing XXXX. When I asked him to send notification of alleged debt to my mailing address, he refused and offered to email me something instead. I told him I knew my rights and that I could request written notification and they would have to comply. He then said I likely gave this song and dance to people in the past. I dealt with XXXX XXXX XXXX for many years and still do, XXXX XXXX XXXX XXXX XXXX XXXX. I have received nothing from any bank regarding a debt. I asked the man three times to put something in the email and he refused to comply. When I looked up the company number, online forms stated it was used for various scams. Any debt I had in my twenties is beyond the statute of limitations. My credit rating is high and I have a bank account with XXXX. This call came out of the blue. He had my SSN. However, he would n't comply with request for verification of debt in mail and that raised red flags for 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 09/21/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (AZ).
Issue: Fraud or scam

Complaint: I went to the atm to withdraw the money it told me i exceeded my daily limit. That was impossible because I havent even token cash out of this account that day.i tried to withdraw XXXX dollars today from the atm and I couldnt. But I magically got charged the money and Wells Fargo will not refund my money. I even got a paper from the business saying the transaction failed on there end. Wells Fargo is a bunch of crooks.

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 09/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am in forebrance. It shows on my credit report i am over 149 days pass due

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt the creditor is trying to collect is out dated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had already paid XXXX off 2 years ago and they claim I never did. I have submitted countless items of proof and they keep sending me to collections. Very unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am requesting the removal of two judgments and four bankruptcies ( below ) on my XXXX and other reports due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX XXXX XXXX XXXX . I did not know the source of their information on those judgments and bankruptcies and due to this XXXX has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with XXXX XXXX verifying and I contacted them on XXXX and stated it was not. Judgment XXXX AND XXXX Bankruptcies XXXX XXXX XXXX and 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 02-12-2017 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (VT).
Issue: Account opening, closing, or management

Complaint: I received a letter from Ally Bank indicating that I had an account with them and releasing their privacy practices. It even gave the last XXXX digits of the alleged " account #. '' I do not have an account with Ally Bank, nor does any member of my family. It appears that Ally Bank is trying to " trick '' people into visiting its website by making them think they have an account there.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I was charged {$10.00} by XXXX, and {$10.00} by XXXX to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for Equifax 's massive mistakes. XXXX and XXXX did not/will not waive their credit freeze fees as Equifax did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with Equifax is useless. I feel that either XXXX and XXXX should ALSO waive/refund their fees in response to this disaster, or Equifax should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I made a payment to navy federal credit union for my monthly credit card payment on XX/XX/XXXX the due date was XX/XX/XXXX By Tuesday XX/XX/XXXX it hadnt shown up as paid and there wasnt anything saying it was paid online. Because of late fees and businesses eagerness in reporting late payments to the credit bureau I went online and checked and was going to pay it if it wasnt paid, but decided not to so I didnt hit submit, I hit the done key and called navy federal. I was told they didnt see a payment and couldnt determine if it was paid. It was Tuesday and even if Monday is a holiday the payments and other activities are updated by all banks by then. Then on Wednesday XX/XX/XXXX. Two payments were taken from my checking account. This isnt the first time they have taken two payments by mistake and last time the refusal to pay fees associated with this. I filled a complaint with the cfpb and the asked for an extension and wrote back at the end of the extension with untruths. This time the raised my minimum due amount against the rules to cover the second payment which my bank got back from them. I called and was assured it would be changed to the correct minimum payment but it wasnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Medical) with EOS Holdings, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am a XXXX and I was exhausted one day after working a 14 hours shift and received a call from a rep from EOS. I was told I owed for a medical account that I knew nothing about. I advised the rep that it had to be a mistake because I have insurance and advised her that I was a nurse. She said according to her records it was my debt and I needed to pay this account and asked how would I like to pay today? 

I asked if I could get her information and call back? She asked why could I take care of the account today and or why did I need to call them back? I ended the call ... .. I felt very uncomfortable with the conversation and I was not going to be pressured into paying for something I did n't owe. 

I looked at my credit the following day after I got some rest and notice the account had already been placed on my credit!!! I do n't owe the debt and it was not properly validated. I never received a notice in the mail only a phone call and at that point the unknown account was already placed on my credit EOS CCA Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

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 09/21/2016 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was paid in XXXX XX/XX/2016. I was due an escrow refund of over {$2100.00} no later than XX/XX/2016. It has not arrived as of XX/XX/XXXX. I am told it was mailed on XX/XX/2016, but with no XXXX tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded in 30 days, and I want them held to that.

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed an entry from Diversified Con. on my credit reports trying to collect a debt that I do not recognize. I 've had no contact with this company or the XXXX they claim to represent. This has caused stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Prepaid card (ID prepaid card) with CITIBANK, N.A. (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a deposit of {$50.00} from XXXX XXXX on XXXX/XXXX/2015. I spent a total of XXXX off the card on XXXX at XXXX. I go to the store to make a {$7.00} purchase and my card declined yet i still had a XXXX balance. I called them up they said it was a business/company error my money would be back on the card at XXXX. XXXX comes my money is not there, i call again at XXXX on XXXX/XXXX/2015 they then tell me its my fault and i have to wait 8 days to get my money back. I am so fed up with speaking to these people. How can they just take my money and get away with it. I spoke to a guy name XXXX he claim he was corporate, but there was nothing that he could do. I have to wait 8 days. That money was to be used for bus fare for me to get to work until i got paid I have not been able to go to work or eat because of this situation. It 's not fair. They should not be able to just take my money and not put it back on the card. I do n't understand that. They did the same thing with my girlfriends card but put her money back on the card at XXXX. Please help with this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: charged me late fee on XXXX/XXXX/XXXX. Compass Bank advertises on their website their " dedication '' to their customers and forgiveness of late fees and a host of other lies from Compass bank. when i called them on XXXX/XXXX/XXXX because i had been displaced from my home due to XXXX XXXX, Compass customer service agent stated the he does not care and did not remove late fee. 

i imagine Compass Bank told many victims of XXXX XXXX similar brush offs when thousands of customers also called Compass asking them to make good on their promises. 

BBVA Compass bank is a no good dirty rotten bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2016 about Mortgage (VA mortgage) with Residential Credit Solutions, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I cosigned for my children Loan students in 2007 with XXXX XXXX XXXX XXXX the Loan Account Numbers are XXXX XXXX all Loans total amount for {>= $1,000,000} Dollars. My children default in payment the Company had the files is Navient XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX PA XXXX My children call them and stay doing new Payments plan, I contact to them ask why them want to collect from my amount {>= $1,000,000} is they still do the payments but not body help me o give me any information and solution and still send me Collection for this amount please i need help me how I am resolved this hard problem from me The account with Navient is XXXX. 
The Federal Family Education Loan Program have promissory Note The company try to collect the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 01-10-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I have an old credit card account from CITI financial I have been paying faithfully. As of XXXX, the payment address changed, and my payments began to not be cashed through my online billpay. However, the letter I received asking me to call to pay over the phone forwarded me to a number soliciting services, I guess a spam number, XXXX XXXX XXXX XXXX. Completely robotic without an option to speak to a human. There was no other number on the letter to contact a live person. Only by XXXX CITIfinancial and calling an office directly could someone access my account

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 01-11-2016 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A letter was sent to NCC Business Services on XXXX XXXX, 2015, via fax number that is provided on their website. After over a month of not receiving a response to my request, a letter was again sent out to them on XXXX XXXX, 2015, in which as of today, I have yet to receive a response to. At this time they have failed to validate the debt but since XX/XX/XXXX, they continue to report this to the credit bureaus ( all XXXX ) which I have documented proof from all XXXX credit bureaus, and they have failed to mark the account as consumer disputes this account. I contacted their office on today and spoke with XXXX XXXX, who identified himself as a supervisor as I asked to speak with the compliance officer or office manager after speaking with XXXX XXXX. According to XXXX XXXX, they never received the XX/XX/XXXX letter but received the XX/XX/XXXX letter. I advised him that it was sent to the fax number listed there on their website. He was very rude as I told him at no point did they mark the account as in dispute with the credit bureau. He stated he would try to get something over to the bureau to do so now, I advised him that it was too late as this would also be reporting inaccurate information as the initial dispute was 3 months ago. He refused to provide me with a contact name or allow me to speak with the officer manager as he stated he was " The Manager :.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I notified TransUnion Credit Bureau several times letting them know that my name was spelled incorrectly. My name is XXXX XXXX, XXXX. They keep showing in their system ( XXXX XXXX, XXXX ) I've sent them a copy of my driver 's license, social security card and a utility bill. I have never applied for credit under any other name. As of today they still don't want to correct my credit report. 

I also sent them a letter requesting that they sent me a copy of my signed authorizations for the recent credit inquiries. They sent me a letter back telling me that my signed authorization is not required in order for them to release a credit 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 non-monetary relief