milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Auto debt) with BB&T CORPORATION (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop immediately!

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 10/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX XXXX, XXXX I accessed my bank account through the XXXX mobile app ( as I often do approximately XXXX times daily ). On the date in question I noticed my account showed several pending transactions and some posted. Additionally, I had a balance of over {$200.00} in my checking and over $ XXXX in my savings account. By the time I woke up the next morning I was overdrawn and charged {$34.00} for NSF. XXXX alleges I did not have enough money in my account to cover a recurring bill ( from XXXX ). 

On several occasions throughout the day on XXXX XXXX, XXXX, I saw the XXXX payment, in particular, and it showed " posted ''. I knew it was posted because the XXXX is blue for credit and gray for posted. Additionally, it did not say " pending '' in the left hand corner near the transaction. I asked XXXX why they did n't reject any transaction XXXX XXXX ) and they " conveniently '' stated the XXXX transaction is the transaction that put me into overdraft. I know for a fact they fixed the order of the transactions to make the XXXX transaction come in " last '' when in fact it was first on the list for that date. If they left it as " posted '' instead of being dubious and making it " pending '' AFTER they posted it, it would have triggered XXXX of my debit transactions being rejected at the POS requiring me to make a transfer which would n't have cost me a dime! 

I am requesting that my {$34.00} be put back into my account since XXXX has not provided written documentation, bearing my signature, that states I opted into overdraft protection. I have enough of my own money in the bank. I do n't need XXXX 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Today I went to chase bank in XXXX XXXX at XXXX to open a bank account. I was told to have a seat and someone would be right with me. After waiting about 25 minutes I wanted to ask if someone was available to help me, so I approach a young blonde female and as I approach her window she walked away to talk to a young XXXX XXXX female. As they were smiling and trying to avoid me I felt so upset I walked away but as I was walking away I noticed the blonde female walking back up to the window so I head up to the window again and as I 'm walking towards her I notice the young XXXX XXXX female duck down and disappear as if trying to avoid me. All I wanted was to ask for some help. So then the blonde female walks out behind the window I manage to get her attention and let her know all I want to do was ask if there was anyone available to assist me. The female was very rude and I have NEVER felt so humiliated in public! I could n't believe how unprofessional these ladies were toward me. There is no excuse for the poor customer service I received today. I ended up just walking out because I felt so embarrassed. I ended up driving to XXXX to get some help. But I will NEVER go back to you XXXX XXXX location nor recommend it to anyone based on my experience today!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX who contacted me on XX/XX/2016 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Payday loan) with Mobiloans, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This collection agency is harassing my manager at work, as well as calling third party people who I have no association with. This third party is my boyfriends child 's mother. This debt is from 2012, and I have had no association with the child 's mother at the time or at all currently. I have no problem communicating with them however she was yelling at me stating she can call again if she wanted to referring to my manager and the third party. I also asked for a mailed statement and she said she does n't provide those.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried several times to let XXXX know that Ive never ever had a phone line with XXXX, its showing up on my credit report and has been for years. I never opened a XXXX account. Ive had XXXX since I was XXXX and Im XXXX years old now. They refuse to help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, Experian and XXXX could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.

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 05-03-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX VIN XXXX from XXXX at XXXX XXXX XXXX, in XXXX Virginia. The Buyers Order and vehicle indicated that the vehicle had XXXX miles. When I tried to check its value for trade-in at XXXX, they provided a XXXX that listed a mileage discrepancy and placed the actual mileage at over XXXX thousands miles. The dealership advertises as a XXXX XXXX member. I was provided an AutoCheck history that did not reveal the mileage problem. Based on the XXXX the vehicle has a - {$280.00} ( NEGATIVE ) value. The vehicle was financed with NFCU FOR {$12000.00}. I think that the dealership knowingly misrepresented the mileage in the transaction as they had access to the XXXX documents. They submitted the false information to NFCU for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (VA).
Issue: Managing, opening, or closing account

Complaint: I received a RUSHCARD in the mail this week. I did not apply for the card. I 've tried contacting the folks at Rushcard XXXX and they insist they ca n't close the account unless I provide my date of birth, social security number and Email address. I refuse to give them this information. I will only release my full name and the card number. How do I get them to close my account without providing privacy act information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has reinserted an account that was previously deleted from my credit file with no notification what so ever. The following account was previously deleted from my credit file over a year ago. 
XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$3300.00} XXXX/XXXX/XXXX CHARGE-OFF This account was disputed as fraud and a police report was provided and the end result was the account was blocked/deleted. Equifax has violated the FCRA by reinserting this account that was previously investigated and deleted/blocked. 

I have also disputed the following account with Equifax in the past month as not belonging to me and as being part of fraud : XXXX A Show Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$1900.00} COLLECTION ACCOUNT I has supplied Equifax with a copy of a current police report, and an identity theft affidavit, but Equifax has refused to comply with the FCRA Section 605 B by using the police report and the identity theft affidavit and removing/blocking the account from my credit file. Equifax sent me a letter telling me that they were not going to comply with the FCRA and were not removing the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I have federal VA XXXX funds and VA vocational rehabilitation funds deposited in my account with TD bank. I keep getting levied by the child support enforcement agency. The bank says that these are not protected funds and that the agency is the one who determines if they are or not. they also say it is not their responsibility to do a 60 day look back. According to Fed law 5CFR 581.104 these are not allowed to be levied. Also title XXXX part XXXX out lines how to identify the federal deposits and again they insist that it is not their job to check the deposits. It is clearly marked on my statement. Yet they refuse to even consider reading the law. They say that the NJ state law allows them to do this. I did n't think that state law could over ride the the federal law. If so i would like a detailed explanation of how it works. Saying just because of this law or another is n't good enough. When I read the law I see that there are a lot of moving parts and one of them is the exemptions to these types of federal deposits. These levies that i have encountered have put a large strain on me and my family. The bank hits me with Levy fees and low balance fees. I have issues trying to get them back. I have problems paying my bills and bounce checks because of these levies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was told over a year and a half ago that my loans were under investigation for fraud because the school closed down while I was attending because they were stealing money I stopped paying my loans because I was told I did n't have to by teachers working at the school it has impacted my credit score tremendously and I can not buy a home with this on my credit score since I was XXXX I have been dealing with this horrible credit score because of missed payments I contact financial aid I contact navient and no one helps me

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My complaint is for Navient, and/or the former XXXX XXXX. I have student loans borrowed through the Department of Education, which Navient is now in control of. First, the customer assistance department at XXXX XXXX first took advantage of me by directing me to apply forebearances to my loans once they were in charge of my loans. Second, I have always been on time when applying for deferments ( or forebearances ). However, on one occasion I received a default status on this loan that was reported on my credit report. After calling XXXX XXXX, they admitted I was on time in filing for a deferment, but their processing department did n't process it in time. They continued to tell me that there was no way for them to remove the default status from my loans, and no way to remove it from my credit report. Third, after reviewing my credit report at a later time, I noticed they applied a second default status to my loan and credit report one year later at the same month for the same duration period. So there is an exact duplicate default report two years in a row for a mistake, which they even admitted fault for. I submitted complaints to Navient on different occasions and with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I continue to receive calls from a company identifying themselves as XXXX. They have advised me it is for a debit for credit card to Best Buy. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Consumer Loan (Installment loan) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: BMW Financial Services at XXXX keeps calling for a XXXX XXXX ( Not sure of spelling - that 's just a best guess ). These are robocalls, with absolutely no way to tell them that we have no idea who this person is. We have received at least XXXX such calls, and have attempted to call back to let them know - only to be confronted with a phone tree that has no option to speak to a human or to let them know in an automated fashion that their contact information is erroneous. This is not only harassment, but harassment of the wrong people. Please prosecute these alleged people to the full extent of the law

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America said i qualified for certain programs. Then in the next paragraph i was told i didnt qualify for those programs. I asked what payment i should make toward my mortgage. I was never told, i never got a call back. I have done everything Bank of America has told me to do. Yet, they lied to me and proceeded to take action against me. Now, they have been sued for XXXX dollars i get a call stating they wanted to send me an application for a modification. Only, i cant get in contact with no one. I leave several messages and no one will call be back. I have not received the application in the mail and its been over a week. It is going on two weeks. I called again today and got nowhere. I would like to know what is going on. This is my house Bank of America has tried to steal from me. Although, they have been sued. They are still playing games. I can pay my loan modification so i dont understand the question. Thats what one of the problems i have with Bank of America. They lied about my modification

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 04-01-2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The day after my monthly car payment is due Wells Fargo calls me constantly, between 4-8 times a day. While I 'm at work, while I 'm eating dinner, while I 'm tucking my kids at night. This has been going on for almost a year despite my constant pleas to them to stop. It 's giving me XXXX and I do n't even want to turn my phone on anymore. Please help me. I do n't know what to do!

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 07-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   ( now citizens bank mortgage ) refused to refinance my mortgage since they want to keep the absurdly high interest rate on the books ( 8.125 % ). My  credit score  is almost  XXXX  but they continue to bully me into paying this high loan. My loan matures in  2020  and they wo n't leave my tackle the issue before then. They keep saying " call me 12 months before your loan matures ''. They know I have good credit and are just trying to collect the WELL ABOVE MARKET INTEREST RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. XXXX Bless ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I informed them i will make payments on the matter but they keep calling 5 to 6 times a day

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