milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse 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 04/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX XXXX, I applied for Income-Based Repayment plan with monthly payments of {$0.00} from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I received an email stating that a new education loan document was available online. It was approval notice from XXXX XXXX for my IBR plan. I kept receiving monthly notices about my payments with amount due of {$0.00} and due date. 
All of a sudden, on XXXX XXXX, XXXX, I received an email no longer from XXXX XXXX, but from Navient stating that my amount due was {$2900.00} with due date XXXX/XXXX/XXXX. I called Navient asking for an explanation. Customer rep told me that most likely the information was n't correctly transmitted from XXXX XXXX to Navient when Navient took over servicing my loan. The rep asked me to submit another application with Navient online instead of via fax like I did with my original application for XXXX XXXX. I also explained that I had my original approval notice from XXXX XXXX. The rep reassured me that the new approval notice would retroactively cover the original period with {$0.00} amount due and no late payments would be reported on my credit reports. To date, my XXXX report is still showing incorrect payment history. I have contacted Navient and forwarded all my original documentation. Several representatives reviewed my documents and agreed that although they could not locate my XXXX XXXX original documents, the loan is showing as always {$0.00} amount due and therefore no late payments should be reporting. On XXXX/XXXX/XXXX, I received a notice from Navient that they had reviewed my documentation and the late payments are accurate. When I contacted Navient again on the same day, another rep told me I should have forwarded my original documentation which I did. On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, who was rude I told me that Navient does n't have any documents showing that my IBR was approved in XXXX and the late payments are accurate. 
The level of incompetence of Navient and its employees and representatives is without precedence. I have yet to get 2 Navient reps who will provide me with the same information. And the individual representatives admitted that lots of information was lost or mishandled when Navient took over servicing loans for XXXX XXXX in XXXX. If the late payments were truly accurate on this account and I had never made a single payment towards the balance, there would be a passed due balance showing, but there is none. Fortunately, I have kept all my documentation from XXXX XXXX and furnished it to Navient, but Navient will go to any lengths to admit and correct its mistakes. A sorry excuse for a national student loan servicer!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I Bank with chase and have n't had any problems with them. Loved how many locations they had and was very satisfied with them. Recently I got a phone call from a Kanas # at XXXX and I did n't answer. Then the same # texted me saying they going to deposit XXXX transaction in my account and the first one I need to withdraw and send back to them at a XXXX. I call the number back and told them they have the wrong # and he said are you XXXX XXXX and he told me all my info. Account # s.s # address everything. I told him not to deposit anything in my account and hung up. I get text messages after I hung up say if I do n't return the money have my attorney ready. I checked my account and it 's a tax refund check deposited in my account in the amount of {$1400.00}. The very next morning I called chase at XXXX and I get told my account is restricted and closed. I don'the have access to any of my money. I have rent my car payment and house hold to take care of. I just got paid Friday and they are holding my pay check. I have no gas in my car. I missed work. My son does n't have bus fare to go to school. I have people calling asking when I 'm going to pay my bills. It XXXX as a customer of chase to be treated like a suspect instead of a victim. I thought that was the point of putting your money in the bank to be protected soon as they have to do a little work to help their customer they just freeze and close their account not thinking about what we have to do with our money. I was told they will reevaluate my account after the check returns. At this point I do n't even want their services anymore and I will never recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with XXXX reported that I had an outstanding balance with XXXX Michigan XXXX XXXX. I went to XXXX Michigan XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. XXXX reflects derogatory statements about and ruins my credit ability. XXXX acts are unconstitutional and has helped to ruin my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt was not verified by contract or signature. 
National Credit systems inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CT).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The vehicle I was financing through GM Financial was repossessed by the loan company in XXXX, XXXX. A payment was en route to their office via USPS at the time. The repossession happened at my apartment building, which is private property. The next document I received from GM Financial was to inform me that the vehicle had  been resold and that I owed the remaining balance. I did not receive any chance beforehand to make arrangements to get my vehicle back. I also did not receive the notice of resale, which would have informed me of when and where the resale was to take place ( either public or private auction ). Prior to the repossession, GM Financial frequently called me at my place of work after I instructed them not to. They also made harrassing phonecalls several times a day if a payment was past due by only a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received copy of garnishment from Employer which Frederick J Hanna Associates is attempting to garnish my wages for a XXXX XXXX credit card debt. I had the card back in XX/XX/XXXX, received last correspondence in XX/XX/XXXX and the debt written off back in XX/XX/XXXX to another debt collector. I have not received any future correspondence regarding this debt until current- XX/XX/XXXX from Frederick J Hanna Associates . The amount is 3 times the original debt, the statute of limitations has passed, the debt originated in XXXX but I live in XXXX and have been living in the state since XX/XX/XXXX. It is illegal to garnish wages for credit card debt in the state of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   XXXX  and Trans Union ; but they continue to verify a balance owed when there is not one owed.

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 02/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am an XXXX XXXX. When I was XXXX to XXXX, my loans went into default. Before going to default, I attempted to get my loans in a deferment or income based repayment plan. I had tried to have the XXXX use a Student Loan Repayment Plan ( SLRP ), but he XXXX did not process this payment correctly. Instead of putting the loans into a military deferment, using the SLRP to pay the loans off, or put the loans in an income-based repayment plan, my loans went into default. I have tried working with the loan provider and debt collection company, but neither will not allow me to pay off the loans with a payment plan. Now that the loans are in default, the XXXX 's SLRP program wo n't pay the loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I tried to request a credit report from all XXXX bureaus through Experian. Their site is very misleading, and they force you to call in and cancel a membership, which you never really asked for, within 7 days. All I wanted was a report from all XXXX bureaus, not a service with Experian. I paid {$39.00} for that, and now they 're trying to force me to pay another {$21.00} for a service I never knowingly asked for. Just another way the U.S. government is allowing credit bureaus ( and corporations in general ) to act indecently and mistreat the public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2016 about Mortgage (Conventional fixed mortgage) with Amcap Mortgage, Ltd. (VA).
Issue: Application, originator, mortgage broker

Complaint: While I was XXXX overseas ( in XXXX ), my lease expired and I had to procure new housing. My mortgage broker told me that I I was approved for a VA loan at 3.375 percent. He asked me to engage my word to go with his company if would get me this rate. I gave my word ( in the military, our word is our bond ). However, he did not get me a VA loan. he instead got me a higher rate loan with PMI. Moreover, by the time his " bait and with '' was evident, it was too late for me to change mortgage brokers. I would lose my house and I would be homeless. I called the mortgage company about this and they did nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Due to the confusing nature of the way hotel charges are processed, my account became overdrawn when multiple hotel charges were processed, then removed and reappeared on my account. My checking account is currently overdrawn due to this practise. These transaction occurred during the month of XX/XX/XXXX and XX/XX/XXXX in the amount of {$270.00}. I contact Wells Fargo to explain what happened and seeking a resolution in XXXX, they were unwilling to consider any options.

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 10-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I will like records of why did you take more than XXXX figures out of my account and close it. I was away and could not claim. The account number is XXXX. My request is to refund the fundsyou took away with out explanation and to reopen a new account in Wells Fargo Florida.

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 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Barclaycard blocks consumers from using third party products to access their financial data. I have a right to manage my finances as I see fit.

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 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am XXXX and receive XXXX. 
Four years ago, while living in Florida, my doctor advised me to go directly to the XXXX XXXX at XXXX XXXX Hospital. At the time I was awaiting my XXXX determination and was covered under XXXX XXXX, XXXX and the XXXX program with the XXXX XXXX XXXX. I have never had any unpaid medical bills prior to that. While checking my credit report I found that a company called XXXX XXXX had placed XXXX items on my credit report. The largest from XXXX Hospital is almost {$3300.00} from XX/XX/2013 which was sold to collections just as the 4 year limit of statutes expired. XXXX XXXX did the same for {$990.00} for what has to be the same visit to XXXX XXXX XXXX. They have made my credit suffer and these accounts had to have been paid by the State programs put in place or else XXXX but no one has that information stating the debt is too old, yet they just added it to my 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
Consumer complaint received 11/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: I wanted to check the interest rate of my Bank of America Credit card online, and it is not published within my secured online account statement. It 's necessary to make a phone call to get the current interest rate charged by Bank of America on my credit card. The necessity of having to call is not stated in the online account summary - although almost everything else conceivable is stated, offered, hyped, or sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine I have never had an account with Amsher. This debt has two collection agencies that are trying to collect on a debt that is not owed. Both Amsher and XXXX XXXX are trying to collect on the same debt that I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: I began a mortgage process with U.S. Bank. A traditional 30 year-loan with an XXXX grant assistance for recent graduates to contribute 5 % of down payment. I worked with the mortgage loan originator, various management and was able to include underwriting in all email communications. My loan originator stretched numbers in order to overestimate my ability to buy, I once found this out while in contract. For the pre-qualify portion I gave all exact numbers to know my ability and my max was around XXXX for debt to liability according to the mortgage loan originator. Although later on I found out he incorrectly entered numbers causing myself to prematurely pay off a motorcycle loan in order to get the debt to equity ratio correct to afford a XXXX town home. The loan application was filled out completly wrong and had to send back multiple revisions for them to make in order it to be correct after having already provided supporting documents. Why they kept being entered wrong? I have no idea. This is important because if myself or another would not have reviewed the application properly I could be charged with mortgage fraud because of a non caring employee. Further more, they filled out a grant incorrectly having to resubmit it for approval. I have talked to them on the phone XXXX in total in a 45 day period. After asking for a two week extension. However, I will be missing the last closing date, due to the mistakes constantly being made my the mortgage staff and management. Due to constant errors on applications, grants, miscalculating numbers all while trying to cover up numbers and problems by providing broad overviews in emails. I am a XXXX XXXX and numbers are my life which is why I always review and request exact numbers. This is a threat to other consumers that could possible lead to unintentionally agreeing to an incorrect mortgage application leading to jail time, loss of money due to a non timely close because lack of attention to detail. Every time there was a request I was able to provide material back within 24 hours if not same day. Now my money is going to waste, Im missing out on a deal of XXXX below appraisal, when similar properties in the development are being bid up XXXX above ask, and I was able to obtain at ask and below market. All because XXXX XXXX XXXX XXXX XXXX at U.S. Bank in XXXX, OH does not answer calls, does not provide exact numbers, stretches numbers, files incorrect documents, and goes by his own time frame. Its not at his loss but mine and my investments. 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from Bank of America which was not opened or used by 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 non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, Equifax was hacked and did not notify me of the breach until a month later. In a month 's time, an individual with my SSN, and other personal information may have stolen my identity.
I do not understand why they were not fully transparent with this situation. It was reported that this breach may impact me. I would have like to have known way sooner.

Company response to consumer: Closed with explanation