milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Credit reporting () with WELLS FARGO & COMPANY (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed account age and requested that XXXX verify and delete as account is over 7 years old according to my records. Instead, Wells Fargo re-entered the balance and past due amount, status, and re-aged the debt by changing the status date to XXXX. Disputed again with XXXX and attached letter sent to Wells Fargo. I continue to have MANY issues with Wells Fargo and their credit reporting practices no matter how many letters I have sent proving bankruptcy. I am simply asking that the account be removed is over 7 years old -- that was my dispute with XXXX. Wells Fargo 's actions caused my credit score to drop again. Also, this account may only be reported under closed accounts and negative accounts per bankruptcy code/laws.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has all of my credit and personal information and has allowed itself to be hacked exposing my family and me to possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter. I am disputing the alleged debt because I do n't owe any alleged debt to 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 03/24/2015 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (DC).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with Aldous & Associates, PLLC (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are trying to pend me to a debt that is not mine I had them send me a copy of document to prove it is me that they have. The signature if not even correct also haven't lived in that address in like XXXX I have a reason to believe its an ex friend of mine that has added me who ether works there or just decided to add me. I have no relationship with the company what so ever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit Management has been repeatedly harrassing my elderly parents who XXXX to collect a credit card debt that I do not recognize and refute. I am XXXX XXXX XXXX and have not lived with them in 22 years. Even after my parents said repeatedly that I do n't live there, the agency continued to call incessantly. The collection agency disclosed the amount of debt and debt history ( which again I do n't recognize ). They threatened to publish my name and parent 's name in the papers. They have filed papers with XXXX XXXX XXXX and told my parents that the XXXX would be coming to collect. It is not a high amount they want XXXX for what they claim was originally a XXXX debt. But, they have made my parents lives miserable. I do n't want to give in to such bullying and I believe they have acted illegally. I want them stopped. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Consumer Loan (Installment loan) with FORD MOTOR CREDIT CO. (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX, my wife and I paid off our car loan with Ford Motor Credit. In XXXX XXXX, we had a 30 day late payment that was documented on our credit reports. Given that the original delinquency date is the date when an account first becomes past due, this account should be scheduled to be deleted in XXXX XXXX. However, we have checked all three credit reporting agencies and there is no date reported on our credit reports as to when this collection account will be remove. We have requested action to be executed by Ford Motor Credit numerous times to correct the report and place a removal date on file but their response has always been to deny the request and not follow the rule. As recently as XXXX XXXX, XXXX, another request was turned away. At this juncture, we are seeking your intervention to assist our efforts to require Ford Motor Credit to abide by the rule of process.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: We have our mortgage and checking account with Chase. On XXXX XXXX, 2016, we mailed a mortgage payment to Chase bank, along with a Chase provided payment coupon with our mortgage information pre-printed on it. On Friday, XXXX XXXX, we realized that the check had not cleared. We called Chase to make a mortgage payment over the phone so that our mortgage payment would not be late, and to put a stop payment on the original check. We did not feel that we should have to pay the stop payment fee since Chase had not cashed our check in a timely fashion. After initially making the excuse that the US Postal service could have lost our check, the customer service rep agreed to waive the stop payment fee. After verifying twice that the transaction was complete, we ended the call. On Sunday, XXXX XXXX, we realized that we only had {$49.00} in our bank account. Both the check that we mailed and the phone payment had gone through. We called the bank. After approximately 45 minutes on the phone, we managed to kind of straighten out the situation. We were told that it could take up to 12 hours for our money to credit back to our account. We had to further argue that since we had planned to do our weekly grocery shopping that day ( Sunday ) and fill pharmacy prescriptions, that we did not want to be responsible for any overdraft fees. We were also told during the conversation on XX/XX/XXXX that the stop payment fee had been waived on XX/XX/XXXX, but the bank never actually stopped payment on the check, which makes no sense but does prove that Chase was negligent in it 's fiduciary duty, since our money was not available to us. It is apparent that the bank both had our check and failed to cash it in a timely manner. We acted responsibly to make sure our mortgage was paid on time, only to have our bank account nearly drained, and then had to fight to not pay any fees when Chase was clearly at fault. This scenario was n't just inconvenient, but just another example of Chase bank 's bullying and extortion of the American people. We were previously dual tracked when attempting to modify our loan with Chase and were only able to keep our home because we filed for personal bankruptcy, which was both demoralizing and embarrassing. We continue to be victimized and pushed around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I need some assistance in having Fedloan process my most recent IDR request form that was submitted on or about   XXXX   XXXX   XXXX   , via fax.  I have made numerous phone calls regarding this and have been consistently told that either the form was being processed or that it could not be processed. In the meanwhile, I did not make an  XXXX  payment because I do not have the new amount and was advised by Fedloan to NOT make an  XXXX  payment ( and to wait for the form to be processed ) because I am not at risk of negative reporting. I am concerned because I had a similar situation late last year and my account did in fact suffer negative reporting.     Se e Fedloan letter date d  XXXX / XXXX / XXXX  wherein I was told that I needed to make three on-time payments under my current IDR plan before a IDR for a lower payment could be processed.    See Fedloan  bill dated  XXXX / XXXX / XXXX  that shows the  XXXX  payment due of {$700.00} which was the current IDR payment.   See my  XXXX  -  XXXX   XXXX  payment history which shows that I made three consecutive payments in the IDR amount and on time.   Fedloan required me to re-submit IDR request because pay stub had expired. I sent in new request on or about    XXXX   XXXX   XXXX   as  stated above - via fax.   See  Fedloan letter  dated  XXXX / XXXX / XXXX  wherein I am again told that my request was denied because I needed to make three consecutive on-time payments on the current IDR. This obligation has been fulfilled pursuant to the  XXXX  payment history submitted.   I have had numerous telephone conversations with Fedloan to explain that I had fulfilled this obligation and attempted to determine a new payment. I spoke with a representative last week who advised that my IDR form was still under review but offered that my estimated new payment when approved would be {$280.00}.   On Monday of this week (  XXXX  ) I called  Fedloan  and requested to speak with a supervisor to demand a new payment because I was past the payment due date. I spoke with  XXXX  who explained in layman terms that my account ha d a road b lock that he needed to move to clear the way for my IDR to be processed.   See  Fedloan letter d ated  XXXX / XXXX / XXXX  where again, they are denying my IDR request until I make three consecutive on-time payments on current IDR. I HAVE DONE THAT!!!   When I accessed my Fedloan account online today I noticed that the payment amount had changed from {$700.00} to {$630.00} ( See screenshot ) I have no idea how, why, or when this odd payment amount was attached to my account.     Clearly  Fedloan  has me going in circles and as a result the good standing of my account and ability to manage it is greatly compromised. I simply need to know what my new payment is and when I can begin to make the new payment. Given the circumstances, I should not be penalized in any way. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 my husband 's car was stolen out of our driveway, my car was broken into and my Chase Bank debit card was stolen from my car. That same night, someone used my debit card to buy {$1200.00} worth of items from the XXXX XXXX # XXXX in XXXX, Florida. There were XXXX other attempted charges on my debit card that night, all of which were rejected and which I told the bank were fraudulent. Chase says they investigated the {$1200.00} transaction and determined it to not be fraudulent. They refuse to refund my money, which was debited out of my account. I have opened a police report with the XXXX. pertaining to the stolen vehicle and the stolen debit card. The original report is attached. ( The debit card transactions are not on the original report, as we did not know the debit card was missing until the following day. The debit card transactions have been added to the police report file ). Corporal XXXX has visited the XXXX where the fraud took place and watched the store security video from the time my debit card was used. The person using my debit card on the video was a XXXX male. I am a white female. XXXX has not released the video yet, but XXXX is willing to testify as to what he saw on the video. I have notified Chase about this twice over the phone but they still refuse to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After reading the complaint and lawsuit from XX/XX/XXXX by the US Government, I want to formally voice a couple concerns I have with Navient. 

1. It was not until XX/XX/XXXX that I was made aware that my federal student loans had an option of income based repayment. I had a number of years where the loan was in forbearance and I was not aware of my options. 

2. Navient refuses to release the cosigner on my current private loans. One of those cosigners has been deceased since XX/XX/XXXX. It has been 7 years and no cosigner has been release even though I am on autopay. I have also raised my credit score to over XXXX points during this time period. It is time to release them. 

3. Navient continues to increase my smart option loan interest rate. This rate is over 11.5 percent at this point. Again credit score is going up as well as autopay however they continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security leak resulted in my personal information being compromised including SS number, addresses, relatives, cell number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.

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 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Please provide me with written documentation which includes my signature that states you have the RIGHT to report adverse, negative, and/or delinquent items on my report. 
Also, I ca n't access my credit report on Transunion website!

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 08/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: OnXX/XX/XXXX Diversified Consultants Inc wrote that they closed the credit line in my name and ceased reporting to the credit bureaus ( attached letter ). However, onXX/XX/XXXX I discovered the account was still being reported to credit bureaus ( attached credit report ). I have since sent disputes according to FCRA to credit bureaus. However tradeline is still being reported by Diversified Consultants Inc to credit bureaus. This is a violation of FCRA and FDCPA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: I had some unauthorized transactions on my card, but when I filed disputes my card was suddenly closed, and no transactions were disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with Collection Bureau of the Hudson Valley, Inc. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Received a voicemail from the collection bureau of hudson valley attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX  XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.

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 10-06-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. 
My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. 
( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 
1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to 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