milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Wakefield & Associates contacted me about an ambulance bill from provider XXXX XXXX XXXX ( XXXX ) a few weeks after XXXX provided service to me. The date of service was XX/XX/2017. XXXX ( later ) admitted they never sent an invoice to my residence because my insurance had already arranged to pay, as I expected they would, though I was unaware of that fact at the time. 

I was surprised because every other bill I had from that day was covered by my insurance. Wakefield told me to get paperwork from my insurance and forward it to Wakefield so they could bill my insurance. After waiting hours to speak with my insurance provider ( at Wakefield 's behest ), who told me that they did not issue out that paperwork, Wakefield called me again, and I advised them the provider did not give out that paperwork. They then told me to " speak to somebody else at the insurance company. '' I told Wakefield to speak with the insurance provider, which they refused to do, and the call ended with Wakefield stating that there was no resolution between myself and Wakefield. 

I called XXXX to verify that this bill existed, and to question why it was immediately sent to collections. I was told then that it was already paid by my insurance provider, that the matter was handled, that they would NOT call off the collection agency themselves, that I did NOT need to proactively address anything further with the collection agency, and to merely inform the agency the bill was paid if they called again. 

I do not owe any money to XXXX, who has already collected on that debt, or to Wakefield by any right, and I am not happy with the status of this matter because I believe my credit might be adversely affected.

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 07/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX   $  XXXX  I called the company and tried to get them to fix this issue and apparently nobody knows how to fix the issue or what the actual issue is.

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 06/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am writing to dispute the following information that your company provided to XXXX Credit Bureau, XXXX XXXX XXXX, XXXX, TX XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item : " Credit Limit/Original Amount '' and " Recent Balance '' is inaccurate because it portrays to prospective creditors and to the scoring algorithm of XXXX that I have exceeded my credit limit by more than {$15000.00} which creates a negative impact on my score. I am requesting that Navient have the item ( s ) correct their reporting metric to reflect my Credit Limit/Original Amount equal to my Recent Balance to correct the information. This is consistent with the way my student loans with XXXX XXXX are reported and those are not having a negative impact on my score or raising a concern with potential lenders. 
Enclosed is a copy of my XXXX Credit Report with Navient and XXXX XXXX sections circled supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion has my name listed as XXXX My name should be listed as my state id which is XXXX and only listed as XXXX as the other names are fraud.

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 09-12-2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today XXXX XXXX XXXX around XXXX in the morning I decided to check my credit due that I had certain plans on mind when I was able to see my credit report I was concerned to see a debt collection and also certain hard inquiries which according to the report the original creditor of this collection was XXXX XXXX XXXX XXXX XXXX XXXX, and the collection agency is : XXXX XXXX, XXXX ( XXXX ) XXXX surprise me due that I 've been living in Georgia since XX/XX/XXXX and I have my apartment lease contract as a proof of this, I immediately contacted the Federal Trade Commission and my local police to solve this issue all this documents will be provided I would appreciate the help to solve this problem directly with the debt collector and also to solve this issue with my credit report because this is very unfair and frustrating.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In early XX/XX/XXXX my wife needed medical assistance. The billing company was XXXX, XXXX XXXX XXXX XXXX. I paid the invoice in XX/XX/XXXX. But to today it shows as a deleterious mark on my credit. I asked TransUnion to remove a few months ago but it 's still there. I tried to dispute the entry again this evening and TransUnion 's page would not allow me to do so. Here is the original creditor 's contact information. Please help me resolve this. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a XXXX XXXX account for about {$3000.00} taken out in my husband 's name by his ex wife for her ( not his ) son after they were separated. We finally got XXXX to investigate and verify that he had signed nothing, had n't used the account for himself/was n't on the account, and actually has never even been to the place where the credit was issued and used. So they sent us a letter saying yes they investigated and that it was found in his favor, he no longer owed the debt it was going to be taken out of his name/off his credit report. That 's good, but Midland Credit Management, the collection agency handling it, even with that letter from the credit issuer is refusing to stop trying to collect this from us or to take it out of his name and has it on his credit report and wo n't take it off. I have sent them a copy of the letter from the creditor and they said they just wo n't recognize that letter as valid proof and they do n't care what XXXX says because they are " no longer in the picture '' on this debt, that it belongs to MCM now. Can they do that? They know it 's been released by the original creditor as not being valid and taken off the credit report by them but they just do n't want to acknowledge that so they are n't going to do the same??? They said there is n't a police report about it so it does n't matter if the original creditor says it 's fraud. That does n't seem right. I have tons of this stuff to deal with and I am not filing a police report on his ex. They have kids together, she 'll lose her job. I 'm just not doing that, they signed her up for it let them get it from her. I should n't have to. You should n't be able to issue XXXX in credit without someone 's permission. The proof MCM kept sending us and 'verifying ' this debt to the credit reporting companies was XXXX statements showing the card had been used for that total. Well of course it was used. Who would take a credit card out in someone else 's name and NOT use it. In other words they can verify a debt with any random paper they feel like. Is n't that just totally in the favor of the debt collectors? They need to start making these things have a signature, like they use to do. They should n't be able to issue credit /loans in just anybody 's name with no due diligence at all about whom they have issued thousands of dollars of credit and then it 's your problem to find a way to get it taken out of your name or pay it. How about they have to make sure it 's YOU to begin with or they ca n't collect it from YOU since they are the one 's passing out money willy nilly? How about that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I would like to file a dispute concerning a balance of {$58.00} on my XXXX and XXXX credit card account, managed by Comenity Bank. 
This amount includes two late fees of {$27.00} plus two minimum finance charges of {$2.00}. 
It is for a payment I made on XXXX XXXX at XXXX for {$28.00}. The payment was due that day. I would like to file an official complaint that there was no hour deadline on the first page of the bill where the XXXX XXXX amount is stated. It simply says the amount should be paid on a specific date, XXXX XXXX. As we all know, every day has 24 hours and so according to that detail, I had until 11.59pm to make the payment. 
Again, the first page DOES NOT tell clients that the amount has to be paid on a certain hour. Anyone paying online, which includes most people, would have no idea they have to pay by a certain hour on that day. 
In fact, the only place in the bill in which the DEADLINE HOUR of 8pm is stated is BURIED in tiny letters at the end of the page on the reverse side. That is absolutely misleading for any consumer. 
A few weeks later, XXXX claims it sent me a letter statement with a late fee amount of {$27.00}. I did NOT receive this letter. The company claims it had sent it but can not prove I actually received it. I did NOT receive it. Additionally, it sent me another letter afterward with a late fee on top of the late fee ( now totaling {$58.00} XXXX I also did NOT receive that letter. XXXX has no way to prove that I had received it. I did not receive EITHER letter. Therefore, I couldnt be notified of these amounts. 
I spoke to a Comenity representative named XXXX on XXXX XXXX, who refused to waive the extra fees. 
I request that the whole amount of {$58.00} be waived. I understand that a late fee was already waived in XXXX, and that there is a limit on waiving only one late fee every 18 months. 
However, this is an exceptional case in which I actually paid the necessary amount on the required day, was not properly notified I needed to do it by a certain hour, and did not receive the necessary correspondence about the late fees. I would also like to file an official complaint that an hour deadline be placed at the first page of the bill where the XXXX XXXX amount is stated to make it clear for customers in the future. 
I refuse to pay these late fees and will take this dispute further should my side be rejected. 
I demand that all {$58.00} in additional fees be canceled. 
I also ask for a provisional credit to cover the {$58.00} while this dispute is pending, and for no further late fees to be incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have made several attempts to resolve an egregious error that has negatively impacted m y credit score. I have  been trying to rectify this issue with this company reporting that I 've been late. This could not no be further from the truth. I have always paid on time and not only on time but have paid well over the amount due. I have spoken  to 2 m anagers and the store owners. There names are :  XXXX ,  XXXX ,  XXXX  who has first hand knowledge of the issue. I have also spoken to the owner of the store who has reassured me that he would handle it. To date nothing has been done.  XXXX  is not longer there because he apparently made so many billing errors during his tenure there that they let him go and they all have attested to that. They all know that credit reporting is false but no one is making the necessary moves to correct the error that has been created

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 12/17/2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

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. (CA).
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: 3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I used to hold a Bank of America Regular Savings account. The number was : XXXX. As per terms of the account, no account maintenance fee is supposed to be charged if ( among many other options ) : " To avoid the fee, you may also make combined monthly automatic transfers of {$25.00} or more from your Bank of America checking account to your savings account during the immediately preceding statement cycle. '' I had setup an automatic transfer of {$25.00} on the XXXX of each month to avoid the fee. I saw that the bank still charged me Monthly Maintenance Fee on XX/XX/XXXX. On inquiring with the bank, I was told that my automatic transfer on XX/XX/XXXX actually happened on XX/XX/XXXX because of XX/XX/XXXX being a holiday, hence the bank is within their rights to charge me a fee. 

Unfortunately, this is unacceptable since the bank automatically moved the transfer date and is making me pay for their fault. 

Left with no option and frustration, I cancelled my account so that I may take my business elsewhere.

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 07/29/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Resurgent Capital ( XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX ,  XXXX , and Experian disputed these bogus accounts. There is no account numbers associated with these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX  is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile. 

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

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 10/18/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NV).
Issue: Using a debit or ATM card

Complaint: I filled a dispute about charges not authorized by me. They sent me a letter stating after the investigation they determined the charges were valid. 
How?

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX XXXX, I opened a tab at XXXX XXXX in XXXX XXXX, i made two purchases there each for about XXXX dollars prior and closed each one immediatly. I was found by security before the end of the night outside unconsciouse in which they were able to reach my mom via my phone and tell her they found me and gave her my location. According to my mom they did not stay by my side and she found me on dark street with all busineses closed. I woke the next day to find a msg from my bank advising that a charge of XXXX} was made at XXXX XXXX. I did not purchuse or authorise anyone to open or order drinks or items on my card. Especially for that amount. I tried contacting vendor at which i got a answering machine, i left vm. I also contacted bank of america immediatly. I live out of state, and needed to leave California, and since had left situation in hands of my bank. I have not heard from my bank regarding this issue up intil today when i saw that vendor charge was there again. I do not authorize and would like to dispute.

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