milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received letter from XXXX XXXX XXXX XXXX stating i owed {$9900.00} to First U.S.A Bank. Never heard of this company and do not know what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I sent an application in XX/XX/XXXX to apply for a loan discharge request application because I didnt have XXXX when I went to XXXX XXXX in XX/XX/XXXX. While they investigated it they put the loan in forbearance until XX/XX/XXXX and I have a letter stating that. In XXXX, I went online to reset up autopay payments because it got denied for discharge because they said I took an aptitude test that is equivalent to XXXX. In XXXX, online account with Navient said XXXX balance due loan paid off by XXXX. I called and they said the loan was sold XX/XX/XXXX to XXXX. I went round and round with both Navient and XXXX and now we got a letter in XXXX saying wages would be garnished so I called again. XXXX that has loan now says they bought loan, information they have is what they got, and unless Navient says otherwise they will garnish wages. Navient put our complaint into another investigation because they also show that loan was in forbearance per 3 of their representatives that we talked to confirmed loan is showing its in forbearance status. Yesterday we received letter from my employer that wages will be garnished as of next pay at 15 % each pay as ordered by XXXX. Other issue is balance with Navient was {$6600.00} and now with XXXX they are saying balance is {$8500.00}. Also, when I check XXXX  XXXX XXXX Aid website it says " Your enrollment status is NEVER ATTENDED, effective XX/XX/XXXX ''. 
I have all the paperwork documenting from XXXX through yesterday showing everything stated above and I do n't have anything from Navient informing us loan was in default, sold, or nothing. When I call they agree but said it has to be investigated as to why it was sold. As of last night, XX/XX/XXXX, they still have no answers and referred us to consumer advocacy agency. We have been paying on this loan for years now ( I believe since XX/XX/XXXX we have been paying {$110.00} a month and paid to date per their statement is {$11000.00} ). I have called 3 times today XX/XX/XXXX and left 2 messages for XXXX XXXX who is now handling my account and still no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: in hopes this claim and its facts are not overlooked, on or around XX/XX/XXXX WELLS FARGO did allow my sister to join my account to hers without my knowledge nor ssa XXXX. on or around XX/XX/XXXX i called the excutive of accounts at wells fargo, after giving her my information she then researched and told me that the account ending in XXXX and ending inXXXX my sister XXXX XXXX had joined her account to mine, and it was put in the way that i was her beneficirary, infact my account was for me a beneficrary of ssa XXXX, and i changed payess on XX/XX/XXXX she i was told closed the account and the money was hers. now according to ssa the account always was and until now is my direct deposit acount, i was given a routing number for direct deposit XXXX, and even the treasury department can verify that, it is not a regular routing number as its claimed to be by XXXX XXXX. thus when she closed the joined account the lady told me that was it, that was XXXX money. and i needed to talk to her or ssa. i cant talk to my sister, and reported her for taking my money as well as wells fargo for allowing this to happen without my consent. as i am cometent and can sign my name, nor have i any guardian as thier new by laws stipulate that is the only way it can be done. 
i lost according to ssa which my later uploads will prove over 60,0004 that since XX/XX/XXXX wasnt even able to see on my account ending in XXXX and also i do not know how i got so many accounts, this violates my rights and the law as well. i was very amazed that wells fargo has tried to denie with white copies that these accounts dont or did exist, then show the transfers between said accounts. nor would ccf over look this, now today i will upload pdfs downloaded by fargo, and they will have the certifacions on them. i do not alledge or claim, i state these facts are real and authentic, and be aware i have filed claims with all oigs involved. it amazed me that such an esteemed finacial instution used such weak tatics, and also that ccf over looked my evidence., so if you look at each file i uploaded you will see that i speak the truth, and there has been an injustice done. but if you dont and just forward to the bank and let them decide, thats a violation of your own code of conduct.added note there are three ssi payments i cant find that was paid in XX/XX/XXXX, and none but XXXX dolaars i saw on my accounts, ssa crime and fugitive divison is looking into this matter as well

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 04-05-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Closing/Cancelling account

Complaint: I made a purchase through XXXX XXXX using their offer of credit with no interest if paid within 6 months. The purchase was paid in full within the allowable time. Payment in full was made in excess of 1 1/2 years ago then the account promptly closed. The credit card was with Synchrony Bank. Recently I received a promotion from Synchrony Bank referencing my account. When I called they stated that the account was closed, but I came to realize that all of my personal information, INCLUDING SOCIAL SECURITY NUMBER, remained in their data base. A request to delete my information, especially my SS Number, was rejected by multiple people at the organization.

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 04/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: Bank of America ch arged late fee for funds being below {$100.00} in  one  billing cycle. The bank charged those fees when account still had above {$100.00} . Seven instances where bank refunded fee. Only when called did the bank   refund the money and agreed there should n't have been a charge.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Quicken loan ran my credit report without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under XXXX it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under TransUnion the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number

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 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I paid for a FICO score with Experian for XXXX dollar. They did n't give me a my score, because they said I was un-score able. I ask for my dollar refund and they said no refunds. I said your advertisement do n't mention if you were un-score able there are no re-funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle lease) with WELLS FARGO & COMPANY (AK).
Issue: Managing the loan or lease

Complaint: The bank repossed my car for late payments. Even when I had the proof of being on time. They kept the car until they found the missing funds.

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 04-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: CAPITAL ONE CHANGED THEIR COMPUTER SYSTEM WHICH PREVENTS ME FROM ACCESSING MY ACCOUNTS. I HAVE SPENT TWO DAYS WITH 3 DIFFERENT REPRESENTATIVES. THEY SAID THEY SEND AN EMAIL WITH CODE. THEY DO N'T. ASK THEM TO SEND TEST EMAIL, THEY WO N'T ; ASK THEM TO SEND ME A WRITTEN COMPLAINT FORM TO MY HOME THEY WO N'T. I WANT ACCESS TO MY ACCOUNT S!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX, I signed on to a year 's lease agreement with XXXX. XX/XX/XXXX, I gave notice of early vacation and moved out by XX/XX/XXXX, fully aware that I was liable for a re-letting fee of {$790.00}. XXXX did not formally bill me this value, nor did they ever contact me after my move. My first knowledge of any indebtedness was when, upon investigating my own credit report XX/XX/XXXX, I discovered Rent Recovery Solutions claiming my delinquency on an account totaling {$1300.00}. I investigated the nature behind the {$500.00} discrepancy and discovered that XXXX and their management company XXXX XXXX XXXX XXXX had added additional charges on to the original re-letting fee using fraudulent evidence to claim I was residing in my apartment past my move-out day. 

Only after I began investigating these additional charges was I first contacted by Rent Recovery Solutions with a demand for payment. I offered tender for {$790.00}, the only legitimate amount I may have owed, and their representative refused, citing the full amount. He additionally told me that if some of the charges were placed in error, I was welcome to send evidence to their auditors to review. 

I have sent numerous communications to Rent Recovery Solutions presenting evidence of the illegitimacy of the additional charges. I have filed complaints to the XXXX on the matter seeking resolution. I also contacted Rent Recovery Solutions through XXXX credit dispute system. Each time I have offered to pay the {$790.00}, and each time I have been refused, either through non-communication or a re-affirmation that they would only accept the full amount of {$1300.00}. It has now been over one year since the account was reported to the major credit bureaus, and it has been three months since I was first made aware of the alleged indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Company Involved XXXX, XXXX : Chase Bank On Saturday afteernoon XX/XX/XXXX I went to my neighborhood XXXX to return an item for the amount of {$17.00} using my debit chase card and On Monday XX/XX/XXXX my Chase XXXX account was credited the full amount. Later on in the evening of XX/XX/XXXX my XXXX Chase card was debited {$110.00} from Target. I was made of aware of this transaction on Sunday evening and immediately called customer support to file a claim with Chase Bank advising them that a transaction was made on my debit card that I did not authorize nor was I anywhere near a XXXX store to make this transaction and that I was concerned that my account was in jeopardy. My debit card was immediately cancelled and a new card was issued to me and I was given {$110.00} credit back to my Chase checking account until an investigation was complete. On Friday XX/XX/XXXX I was looking at my on-line mobile chase app and noticed the Chase Bank reversed the claim charges of the amount of {$110.00}. I immediately called Chase customer support to fined out why the charges were reversed and I was told by customer support they felt that because my debit card was used via " Chip '' insert it is their policy to deny the claim because of the security of the " Chip '' yet I had the customer support manager confessing that it seemed unusual that this would occur on the same day at the same XXXX location I am beyond frustrated and feel I have been a victim of fraud and yet I have been denied by my very own bank. My claim # XXXX. If I could be of further assistance please feel free to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with U.S. BANCORP (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a call from XXXX saying that I owed $ 200.00+ on a US Bank account from an over draft. I do not currently have a US bank account and have not since prior to 2006. I asked for more information on the debt, and asked for the number where I could reach out to US Bank to confirm the outstanding debt and make a payment directly with them. When I refused to pay over the phone, I was called and " ignorant XXXX XXXX, '' and was promptly hung up on. I called back to speak to a supervisor, and ended up in a voicemail box. I left my information to have a supervisor call me back so I could get more information on what was going on. After a couple of minutes, another number, this time, XXXX called me back. At first it seemed somewhat normal, we went through verifying my information, none of which, except the phone number and first and last name matched my identity. At this point, I was threatened with a warrant being filed on me ( or the other person bearing my name ) and that they " would see my XXXX in court. '' After this call I called US bank to confirm the information I got from them, as they had given me an account number. The account was not found at US bank, and I was told this was likely a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote to Transunion in regards to an entry listed on my credit report which I have previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to the XXXX Bankruptcy court and they wrote me back stating that they do not verify any bankruptcy information to have put on credit reports. If I have a bankruptcy, then it should be on record at the BANKRUPTCY COURT and nowhere else that may be untrue and CAN NOT BE VERIFIED.How did they verify that the bankruptcy public record on my credit report is accurate if the XXXX Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases? Attached is a copy of the letter I received back from the XXXX Bankruptcy Court supporting my position. I want this inaccurate and unverified bankruptcy public record removed from my credit report file immediately because the public record is INCORRECT, INACCURATE AND UNVERIFIABLE since it could NOT have been verified since there is no way to verify 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 01/27/2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled my LL Bean Visa Acct XXXX debt with Barclay 's Bank by two electronic payments with a total of {$1900.00} pursuant to an agreement dated XX/XX/XXXX. In XX/XX/XXXX, a lawsuit was filed against me by Barclay 's Bank in XXXX ( MA ) District Court seeking full payment of {$4100.00} and failing to account for the settlement or even for the payments of {$1900.00} made in XX/XX/XXXX. I called the bank and spoke to a XXXX who told me they have no record of the XX/XX/XXXX settlement.

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 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian provided me a report # XXXX that Said XXXX XXXX told them that the item on my credit report meets the requirement of the Fair Credit Act XXXX XXXX has a permanent FTC & CFPB order against it See page XXXX paragraph XXXX also green tree did not accept a certified letter return receipt requested nor write back I sent Experian a copy of the consent order, certified return receipt requested and they signed for it on XXXX XXXX all files are attached if the FTC CFPB consent order attached means any thing Sanction Experian for thumbing their noses at you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX add inquiries to my credit report which cause long turn financial pause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage company will not process a loan payoff request. It has been 10 phone calls and 3 weeks to try to get this info. I am convinced they are milking days of interest for this. I was supposed to close on a re-fi on XX/XX/XXXX and I am now calling them again with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

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