milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is the company that verifies identity for XXXX. Every year I am denied and have to go through a series of other steps through XXXX to verify my identity. As of today for the 2017 coverage year, Experian has not verified my identity even thought I have sent them the info needed. They do not allow disputes like this on their website and no one has returned my calls in any of the last 3 years that i have had this issue. I have a very extensive and excellent credit profile but my family and I are being singled out for this process every year. Last Year, My daughter was without coverage for 2 months due to this delay. I sent in a copy of my drivers license as I have every year but no response.

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 04/28/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX the XXXX I deposited a check in the amount of {$250.00} bringing my balance up to {$320.00}. Following my deposit, I used my debit card for XXXX purchases in the amounts of {$38.00}, {$44.00}, {$120.00}, {$40.00} and {$46.00} totaling {$290.00}, thus leaving my account with {$35.00}. I received XXXX NSF charges for my purchases each in the amount of {$38.00} totaling {$150.00}. My account is now in the negative and the bank refuses to refund the charges. How is it possible to get charges when there was money in the account?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-PERSONAL INFORMATION - MY NAME IS XXXX XXXX XXXX XXXX I HAVE SENT THE CREDIT BUREAU MY DRIVER 'S LICENSE AND SS CARD AND THEY HAVE NOT CORRECTED THIS INFORMATION ON MY REPORT. THEY HAVE XXXX NAMES ON MY REPORTS WHICH SETS ME UP FOR IDENTITY THEFT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).

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 02/20/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe. 
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections. 
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement. 
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (ND).
Issue: Account opening, closing, or management

Complaint: My checking account with Wells Fargo was overdrawn by over {$200.00}. At that point I submitted a request in writing, using the secure message portal from my online profile to have my checking account closed. Wells Fargo chose to leave my account opened for several weeks while charging me excessive fees for attempts made on my account to collect payments. Wells Fargo also processed many of the transactions, putting me further in debt. By the time they decided to close the account, my checking account had been over drawn by almost {$2000.00}, with almost have being attributed to fees. This is a clear violation of what they have vowed to do different after being fined for the same behavior.

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 07/18/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Application, originator, mortgage broker

Complaint: US BANK has made multiple claims of rates available, to no closing costs, to other agents saying NO such thing as NO Closing Costs, Refused to speak about an online US Bank account where a new customer like me gets {$200.00} for opening account with {$500.00} or more and free checking!!? When in branch, The MANAGER refused to speak of it until I opened my laptop and pointed to it! Then said did n't know about it!! But then asked me XXXX XXXX? How do you know about Promo Code if not familiar with offer? Bank has Lied and is Baiting & switching and not giving direct honest answers, Another XXXX XXXX lender. I 'm XXXX and feel discriminated against since there trying to take advantage by not telling me all the bank deals, offers as they offer others not XXXX. Discrimination

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In   XX/XX/XXXX I  cosigned on a private student loan from  XXXX   XXXX   ( n ow  XXXX   XXXX  ) through  XXXX   XXXX   ( no w Navient ). It came to my attention when I pulled my credit report in  XX/XX/XXXX  that  XXXX  additional student loans through Navient were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with Navient 's fraud department around   XX/XX/XXXX , a nd also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation, Navient 's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  XXXX  of the loans. However, I let the Navient fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email. Navient 's fraud department did not take further action to try and resolve my fraud claim.  <P/> Navient Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with Navient.  <P/> Please see attached documentation including Police Report and Navient fraud claim submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Payoff process

Complaint: High balance is undending

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: Equifax credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that equifax deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXXXXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it equifax added a remark to this account. This is completely wrong. I am very discouraged in getting equifax to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from experian that these other 2 accounts were removed from my XXXX credit report. Equifax should have received the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX I made my weekly deposit from my XXXX account into my BofA account. The amount was {$1700.00} check XXXX. The check cleared XXXX the same day. I was advised on XXXX by email from BofA that my account had an insufficient balance and was accessed numerous NSF fees for my scheduled bill pay that was not processed due to a hold being placed on the check that already cleared the bank it was drawn on. I called the bank and no one can tell me why a hold was issued and they will not refund {$280.00} in NSF fees, as they stated it is not a bank error. I have made the following deposits from the same account on a Monday to cover my scheduled bill pays and a hold was not placed. 
XXXX {$1800.00}, XXXX {$1200.00} # XXXX, XXXX {$1600.00} # XXXX, XXXX {$1600.00}, XXXX {$1000.00} # XXXX, XXXX {$200.00} # XXXX. 
The following large deposits were made from the same XXXX account, not on a monday, but nonetheless, no stop payment was placed on those funds either. 
XXXX {$1400.00} # XXXX friday XXXX {$1200.00} # XXXX sunday, XXXX {$900.00} # XXXX thursday XXXX {$1800.00} # XXXX friday XXXX {$1000.00} # XXXX tuesday You can see by the check numbers, I checks from this XXXX account are consistently being deposited into BofA and do not have a history of being insufficient. 
BofA does not have a right to charge me these bogus fees. XXXX is enough.

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 01/20/2016 about Debt collection (I do not know) with Evergreen Acquistions, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX  advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 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: Between mid-XX/XX/XXXXand XX/XX/XXXX, my name, Social Security number, birth date, and address was released by Equifax to an unauthorized third party. This was the result of Equifax 's negligence : XXXX XXXX disclosed a vulnerability and released a patch for it in XX/XX/XXXX, which Equifax did not apply. 

Once released on the internet, my information can never taken back ; for the rest of my life I will be at a higher risk of identity theft, and I will likely have to pay for credit report freezes and and additional monitoring products.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016, I spoke with a representative from Wells Fargo Dealer Services about questionable late charges ( totaling {$400.00} ) on my auto loan account. After discussing the situation with Wells Fargo Dealer Services, {$200.00} in late fees were waived from my account, bring my remaining balance to {$200.00}. A payment in the amount of {$200.00} was then authorized to settle the account. 

Due to an error in judgment ( wrong checking account ) the funds were initially deducted from my checking account, but were returned due to insufficient funds. Once I was made aware of this error, I realized the payment was setup to be withdrawn from the wrong checking account, this was then immediately rectified and on XXXX XXXX, 2016 another payment of {$200.00} was authorized and approved. 

Unbeknownst to me, an unknown charge of {$38.00} was then applied to my loan account. Which left a remaining balance on my account and prevented its closure. 

On XXXX XXXX, 2016, Wells Fargo then debited my checking account for an additional {$200.00} without my authorization. 

After speaking with Wells Fargo they advised that they will be unable to provide me with any additional information. After speaking with my parent bank ( XXXX ), who 's checking account is linked to my Wells Fargo Dealer Services auto loan account, advised that Wells Fargo Dealer Services debited my checking avvount twice in the amount of {$200.00}. 

Due to Wells Fargo Dealer Services unfair and indiscriminate practice of overdrawing from my account, I am left with being responsible for overdraft fees due to their incompetence.

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 08/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: OnXX/XX/XXXX, my brother went to the Chase Bank branch in XXXX XXXX, Indiana like he has done since about XX/XX/XXXX to cash his monthly check I write to him from his social security XXXX payment. I am his representative payee and mail him a check each month from the funds deposited into the checking account. This month he had to pay a {$8.00} fee to cash the check I wrote because Chase Bank classifies him as a non-account holder because I am the representative payee. The money is his and is direct deposited from the Federal Government each month. I communicated via secure online messaging with Chase Bank and they referred me to the branch. I then spoke with the branch manager and was told she can no longer waive that fee because Chase Bank had updated the computer software and removed her authority to do so. My brother 's account has been open since XX/XX/XXXX, maintains a nice balance with direct deposit and only 2 paper checks each month are process through it normally.

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 12-01-2017 about Debt collection (Medical debt) with MiraMed Revenue Group LLC (MT).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Received a statement from XXXX XXXX XXXX regarding a legitimate debt for XXXX services on XXXX/XXXX/XXXX. This will be paid in full before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX at XXXX they called. This is outside of the time frame allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, 2016 RE : Wells Fargo Account # XXXX To Whom It May Concern, I am writing you with numerous concerns that I have with my Wells Fargo " Student Loan '' ( Account XXXX ). About five years ago, I setup a consolidation loan with Wells Fargo for my private student loans. Unfortunately, over the course of the last five years, I 've discovered that this loan does not work like a traditional student loan. Please see my list of concerns on this loan below : This " student loan '' is NOT deferable if I chose to further my education ( pursue my XXXX degree, etc. ). 
I frequently end up with mysterious late fees. Every time I call to make payment, the representative from Wells Fargo tells me that I have past due balances that need to be paid ( this happens even when payments are made on time ). Each time I tell the representative that I want to pay the total amount that is due. However, it seems as though I am frequently told to pay the incorrect amount and I end up owing late fees in the future. 
I am troubled with this loan because it claims to be a student loan ( when it benefits Wells Fargo ). Additionally, it claims to be a private consolidation loan ( also when it benefits Wells Fargo ). If this were truly a student loan, I would be able to defer the debt while I further my education ( unfortunately the aforementioned option does not apply ). Also, if this were a private consolidation loan, I would be able to absolve this debt with a bankruptcy ( again the aforementioned topic does not apply ). 
In closing, please know that I have previously attempted to solve this situation directly with Wells Fargo ( on numerous occasions ). Also, I 've even spoken to members of their Executive Office. Unfortunately, no one at Wells Fargo has been able to help me with my concerns. Any action or guidance that you are able to present on this situation would be greatly appreciated. Thank you and I look forward to hearing from a representative at your office. 

Best regards, XXXX XXXX XXXX XXXX - phone XXXXXXXXXXXX

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 01-05-2016 about Student loan (Non-federal student loan) with LTD Financial Services, LP (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I set up a payment plan with LTD Financial Services to pay off XXXX of my XXXX private loans. We set up a 3 month payment schedule and upon confirming the plan I asked to not be contacted at my place of employment as it is prohibited. Upon the expiration of my initial payment plan, XXXX XXXX contacted my place of employment against my expressed wishes not to contacted. In fear of losing my job, I looked into whether or not they are allowed to contact my place of employment, under the Fair Debt Collection Practices Act she was only allowed to contact my job once, she has violated that. Upon further investigation LTD Financial Services have been sued previous for this same type of behavior.

Company response to consumer: Closed with non-monetary relief