milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified letter in response to a listing on my credit report pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) for a claim for disputed and validation is request. 

I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in the matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I asked them to please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter. 

I asked them to provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. Instead, they sent me a computer print-out that does not even have my signature. My point is that they have failed to prove this account is mine. I did not request a " verification '' that they have my mailing address, I requested a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them.

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 09-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: With all the news about Wells Fargo, I wanted to send in my complaint even though it was from XXXX XXXX. I closed my account during the down turn at Wells. I did have some automatic bill pay, but the bank told me when I closed my account that they wo n't be able to take money out since it is closed which made sense to me. However, a few months later they contacted me and said I owed them {$2500.00} because they were charging me overdraft fees even though my account was closed for any automatic bill pay. They bullied and threaten me that all banks belong to a service and if you are on the list then you ca n't get a bank account anywhere in the city. So I borrowered the {$2500.00} from my dad and paid them for the fees! Then when I did go to the branch and paid them I asked over and over if we are square and nothing more to be paid. They assurd me that nothing more would happen. A few months later they call me and said I owe them {$500.00} more or they will take me to collections. I was irate and after telling my story, I never heard from them again. Fortunately, I never saw a collection on my credit report. I 'll never see that money again but you need to know what bullies they are and how they ripped me off! Thanks

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 09/15/2015 about Consumer Loan (Vehicle loan) with DriveTime (AL).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: I SIGNED UP NOT TO HAVE OVER DRAFT PROTECTION, THEN THEY CHARGED MY CARD XXXX IN OVER DRAFT FEES I HAVE CALLED GONE TO THE OFFICE THEY TELL ME BASCIALLY TO BAD, MY DAD DEPSOISTED A XXXX IN THE ACCOUNT AND THEY KEPT IT TOWARDS OVER DRAFT FEES, I DECLINED FROM HAVING OVERDRAFT SO I WOULDNT GO OVER AND GET ANY CHARGES, THEY REFUSE TO HELP ME I AM GOING TO CALL XXXX XXXX NEWS TD BANK IS RIPPINF G OFF PEOPLE ITS NOT FAIR

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Trouble during payment process

Complaint: XXXX   XXXX     XXXX   XXXX   Customer Relations  XXXX   XXXX   XXXX   XXXX , Ga  XXXX  --  XXXX  DA :  XXXX   XXXX ,  XXXX   RE :  Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid During Time of Loan (  XXXX   XXXX ,  XXXX  to  XXXX ,  XXXX  ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . According to my records Ive paid a total of {$34000.00} during my loan with you. How much interest was paid toward my mortgage loan during that time.   XXXX   XXXX   XXXX   purchased the loan from y ou (   XXXX   XXXX   ) I must inform you that my name could  have been listed as  XXXX   XXXX .  XXXX  when transferred..     Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to  XXXX    XXXX    XXXX , if everything was transferred to them at the end of the mortgage loan with  XXXX   XXXX   XXXX   XXXX   XXXX .     My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan.   Provide documentation of the year when mortgage loan should be paid in full according to your records.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a large lump sum payment in XXXX 2016. There was a calculator on the website that provided the pay off amount which included the interest amount due. The lump sum payment matched the exact amount shown as the " pay off amount '' for the larger of the XXXX loans. I instructed the phone representative to apply the amount to the larger loan on my account. Instead, I was told the payment will be applied to the total amount of both loans. In addition, interest was subtracted from the payment amounts applied to each loan. Today, I have XXXX smaller loan amounts that are drawing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: Adverse account reporting incorrectly on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Arbitration

Complaint: My Right to Reject Arbitration ; Arbitration Rejection Notices sent to American Express via Certified Mail with Return Receipt ( XXXX of them now!! ) and another sent via First-Class Mail ( XXXX total ). First one sent XXXX XXXX, XXXX and delivered XXXX XXXX, XXXX and up to now XXXX XXXX, XXXX there has not been a single confirmation letter/letter sent back concerning all XXXX letters!! Called American Express over XXXX times regarding why I have n't received my confirmation letters and the first XXXX reps. told me it was processed on XXXX XXXX, XXXX and on it 's way to me in the mail. The XXXX time I 've called and asked to speak to supervisors they all can not find any record of my right to reject Arbitration, Arbitration Rejection Notices even in the system when the first XXXX reps. could!!!! Some of the rest of the calls I was treated with disrespect and some employees left me on hold or transferred me to a automated recording and completely wasted my time disregarding me as a consumer! American Express to date ( XXXX XXXX, XXXX ) has not written back or called back concerning my letters or returned my many calls/voicemails and have not sent me any confirmation letters regarding My Right to Reject Arbitration/Arbitration Rejection Notices and they show no interest in getting the issue resolved and show no interest in sending me all the confirmation letters that they owe me. I believe American Express is willfully violating our agreement ( s ) and my right ( s ) by refusing to provide confirmation letters ( which are to me and all consumers for the matter, written proof that they received my/our letters and state that they 've updated my card member agreement ( s ) to reflect my/our Right to reject arbitration for my account ( s ) ) to me so if anything were to every happen like for example my card number was stolen they ca n't claim they never received my Certified Letters and " force '' me to arbitrate any disputes when in fact I have proof/evidence that I did my part per the card member agreement ( s ) and sent them not just XXXX, but XXXX letters, XXXX of which are Certified Mail with Return Receipt ALL DELIVERED to American Express and signed for! How can consumers trust such a company that from the beginning have illegal business practices??! Please investigate and take action against illegal and corrupt conduct from companies like this! BAN " FORCED/BINDING/MANDATORY '' Arbitration from ALL contracts, regardless of nature, whether it be consumer, employment, loans of any sort, etc.. BAN ALL AND INVALIDATE CURRENT CONTRACTS AND AGREEMENTS THAT RELATE TO CONSUMERS regarding FORCED/BINDING/MANDATORY! 
Also, please look into my current issue concerning American Express and their illegal business practices! 
Thanks in advance to the people and consumers just like me in the Consumer Financial Protection Bureau who band together for OUR rights!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, XXXX and TransUnion are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my SSN how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been freaking XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from TransUnion and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both XXXX and TransUnion response. Especially TransUnion, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express had a promotion for XXXX credit card with XXXX points with first {$3000.00} spending within 3 months, then additional XXXX points with {$2000.00} spending within next 3 months. I have completed spending {$3000.00} around XX/XX/XXXX, and I have never received the points. I tried to communicate with American Express multiple times, but all they say is it usually takes 6-8 weeks or they need more time to investigation. This is after 14 weeks after I have given them time to investigation. I have not heard back nor received the points.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Installment loan) with RFNA, LP (AL).
Issue: Problems when you are unable to pay

Complaint: Republic Finance agreed to a reduced payment amount and but still continued to call repeatedly while I was making payments. They then filed a lawsuit in XXXX while I was paying. They started coming to my Mothers house and They filed a law suit on XXXX XXXX. But was still taking monthly payments. I became distressed due to this. I have a court date for XXXX XXXX. But I would like to be given a settlement option of 50 %. I believe Republic Finance acted inappropriately and improperly. I was paying them monthly the agreed amount of XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We had XXXX XXXX come to our house and offer to do in blown attic insulation for free to us as long as we applied for XXXX credits, XXXX through our natural gas company and XXXX through the federal government on our taxes. We filled out our natural gas company XXXX and received the check and sent it to them. When it came time to do our taxes we found out that the credit that they claimed was still valid was not valid, we spoke to a representative of the Internal Revenue Service to find out that the credit they wanted us to apply to our taxes had expired 2 years before their service. On the form we signed it specifically states " In the event that i have complied with the above terms and done all I can, and I do not qualify to receive any part of the rebate check ( s ) I will not owe Penguin Insulation that portion of the Total Amount Financed. '' I think I did all I could to try to get the rebate but I am not going to cheat on my taxes to do it. I called penguin insulation multiple times to try and resolve these issues but after 2 years they instead sent me to debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-06-2018 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: Equifax is reported inaccurate addresses, names and SSN number on my report. 

Between XX/XX/XXXX- and XX/XX/XXXX, I have sent Equifax several letters and have made several calls asking them to remove erroneous addresses, names and SSN 's from my report with no avail. 

On XX/XX/XXXX, I sent Equifax a handwritten letter ( certified mail/attached ) asking them to remove all addresses, SSN, names from my report except for my current address, SSN, and name. 

Equifax is knowingly reporting false and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase XXXX is reporting a credit card account that has been opened fraudulently. I am a victim of Identity Theft and had been in contact with Chase in XXXX 2015 when they called me to verify whether I had applied to this account. The Chase Bank representative was XXXX XXXX XXXX. I am in the process of purchasing a home and I have recently gotten an alert that this is now negatively impacting my credit rating. I need this resolved immediately. This account needs to be deleted off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (PA).
Issue: Getting the loan

Complaint: Submitted an application for Personal Loan at local Wells Fargo Bank on XX/XX/XXXX for the amount of {$80000.00}, provided ALL requested documents. 
Application has be denied and I 'm not getting any answers as to a reason for denial. 
My personal tax returns show Adjusted Gross Income of over 220, 000.00, I have no mortgage, all my cars are paid off in full, my credit cards are paid in full every month.

My credit score shows XXXX, my current accounts is Wells Fargo Bank holds over 80,000. 
With all that information Wells Fargo claims that I do n't have enough income or assets at Wells Fargo Bank, they claim that amounts owed are too high relative to my income, and they claim my income ca n't be verified. When I asked about what amounts I owe and who I owe to, and how is it that you ca n't verify my income ( provided XX/XX/XXXXand XX/XX/XXXX Federal Tax returns ) I was told to leave it alone as underwriter already made his/her decision and there is nothing I can do about it. I feel that this is racial profiling, anyone who takes a quick peek at my last name realizes that I am of XXXX heritage and it seems that folks at Wells Fargo ca n't stand a somewhat successful XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I had a checking and saving account in Bank of America since  XXXX .I used to deposit my friends and family members checks as a third party check in my same account and every thing was fine and I did n't received any letter from bank that I can not deposit third party checks in my account until  XXXX    XXXX   when I deposited some of my family members checks in my account .Bank of Am erica closed my accounts and they se nt me a letter that Bank will re turn my m oney because I provide the notarized statement from all those people whom checks I deposited ( copies attached ) as a third party check .After tha t the Bank of America regulatory team sent me a letter saying that the Bank Can not return my money and they have sent the money to IRS and they provide me the copy of the cashiers check that was sent to IRS and I was told to contact the IRS to get back my funds .I contacted the IRS and provided them the Bank of America letter along with the copies of the checks that I deposited in my account and I also sent them the notarized letters from each individual whom checks I deposited in my account ( copies attached ) .Now I received a letter from IRS that I have to ask my funds from Bank of America .I tried to contact Bank of America regulatory team to solve my problem but they  are not responding to my calls I left them messages but they are not responding to my request I am a low income minority and i am facing a lot of financial problems

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a fraudulent account and it 's keep coming back as accurate

Company response to consumer: Closed with explanation