milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: I have been considering this for some time now and I feel, on more than XXXX occasion and in light of recent events with Wells Fargo, that several transactions have been held so that there can be a NSF fee charged to my account. 
There were several from XXXX XXXX XXXX/XXXX/2016, XXXX actually charged a {$35.00} fee on a {$1.00} transaction. I keep very specific records of my transactions and if any, there should have been only XXXX NSF fee. Everything matched up on XXXX/XXXX/16 with my accounts and the bank transactions, but then suddenly on XXXX/XXXX/16 I was negative XXXX and then I was charged XXXX NSF fee 's. This is ridiculous and absolutely unacceptable! 
I have spoken to a customer service representative and I understand that no one would openly admit that their company is taking advantage of people, but it sure feels that way. I also understand that transactions come through in different times, but some things are just not adding up here. The banking industry has gotten out of hand.

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 12-06-2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Medical Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Alliance Data Card Services (OR).
Issue: Billing disputes

Complaint: Comenity bank will not credit my payments to account.. I want them to credit my payments so I can close account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: See complaint # XXXX. The issue discussed in that complaint is not resolved. In a letter dated XX/XX/XXXX, Barclaycard responded to my complaint, informing me of a statement credit dated XXXXXX/XX/XXXX. The value of that credit, however, was only 50 % of two of my five qualifying onboard purchases. No credit was provided or has since been provided for my qualifying onboard purchases appearing on the statements that closed on XX/XX/XXXX and XX/XX/XXXX. Accordingly, despite the XX/XX/XXXX, credit, Barclaycard still has refused to provide the advertised benefits in the Business Card Agreement.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was a victim of identity theft. Equifax removed everything from my credit report even items that were n't disputed along with auto loans that are currently active. and 2 auto loans that i had previously paid off this has caused even more harm to my credit.. They have blocked these items from my credit reports. Equifax has also reinserted 3 items that were deleted due to the identity theft. These items do not belong to me. i was not notified at all by equifax or any one else of these items being re inserted XXXX XXXX Reported : XX/XX/XXXX + {$52.00} Needs Attention XXXX XXXX XXXX XXXX XXXX .
Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 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: I have been disputing an account that is reporting on my XXXX credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. Tranunion and XXXX  has deleted it since but XXXX is still reporting it. I tried to re-dispute it online again with XXXX but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on XXXX credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and transunion deleted it so should have 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 11/22/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: On Wednesday, XXXX XXXX, XXXX I received a letter informing me that I had canceled my insurance and that my mortgage company, Freedom Mortgage, would be providing me with hazard insurance at a high rate. I had know idea that my insurance had been canceled. I was n't overly concerned because I had received one of these letters about two years ago.
When I called Freedom Mortgage they informed me that they had sent my insurance payment, but it had been returned. They told me that they sent my payment to the wrong address. And that XXXX XXXX had canceled our policy 6 weeks ago. I told them that I was unaware of any problem. They said two letters were sent from XXXX. They asked if I would hold while they contacted XXXX XXXX. After 5 minutes they came back on the line and said they were talking to XXXX, The mortgage representative said she hoped they would take an overnight payment. She came back on the phone and informed me that XXXX refused. I needed to call my agent and rewrite the policy. I was extreme frustrated and overwhelmed. The next day I was having roofers show up and I had no liability insurance. The response from Freedom was that is an inconvenience. There was no admission of guilt or apology. I asked for a supervisor and was told it was a one to two day call back time. She connected me to a higher level. At one point in my anger I asked if I needed to contact the tax collector to see if they had paid my property taxes, and I was told not to be ridiculous. I could n't believe how flip they were. 

I called my agent, but he was very confused and said he had to check somethings. I then decide to call XXXX myself. I connected with a very helpful agent. There records did n't show any calls from Freedom Mortgage that day. He offered to call them and see if they would send a payment immediately. He also informed me that no letters had been sent to me, but three bills had been sent to Freedom. He put me on hold, and called them. Freedom was willing to send a payment right away, and some how found the correct address.
It is amazing to me that Freedom Mortgage lied to me about everything. They risked my home and my financial safety. I have never missed a payment or been late. This is the second time they have put my security at risk..

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 10/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Santander Consumer U.S.A. repossessed my car due to non-payment. That is not the issue. They have my home phone number, as well as my cell phone number, to reach me. They have contacted my parents, who were not on the loan and were not listed as references on any of my paperwork for the car loan. They told my mother that my car was repossessed and that they are attempting to reach me to pay off the balance of the loan. They never had my permission to tell my parents about anything concerning my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (I do not know) with URS Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't have any relationship with XXXX university

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had Citi XXXX XXXX XXXX for the last few years. I have recently not used my credit card due to frequent travel to abroad. Citi just closed my credit card without notifying me. My credit score dropped almost 100 point. I called them and they told me that they usually do not notify their customers. I was about to get loans and this situation impacted my financial circumstances. 
I know that some of other banks have a policy that usually notify their costumers about any actions they may take. 
I was wondering if this action is legal or illegal.

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 12-02-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Transaction issue

Complaint: Went to XXXX for dental work.Had all on XXXX procedure.Dental company billed credit card for everything on day implants was put in but could n't get teeth for 6 months.Went back in XX/XX/XXXX for teeth and was home approximately XXXX weeks and teeth started crumbling.Filed dispute with all Credit card companys that I used because of quality of goods This purchase had to be divided because of large amount and not enough credit 0n one card, I spend about XXXX dollars to fax all documentation and pictures to these companys.Chase credit card responded and comepletly removed the part of charges that was charged to XXXX card but Citi XXXX XXXX has major issues.Cant get responses etc and when they responded I was told they could n't help me that it was out of time frame.

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 05/23/2017 about Student loan (Private student loan) with NELNET, INC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been dealing with a company called nelnet. I have applied for loan forgiveness. I have submitted the aplication 3 times. Every time they have denied the application. Even though I have provided the required documentation. They wait exactly 45 days and then deny it. They send me a letter asking me to submit something else. This company is garnishing my   XXXX   XXXX    XXXX  benefits as well as my federal tax return. This is been going on since early  XXXX . They attempted to notify me back in  XXXX . I was in   XXXX   XXXX   hospital in   XXXX   XXXX  . I was also   XXXX   XXXX   XXXX   for several weeks. I did not have a chance to respond to the garnishment letter. Nor did I receive it. They are refusing to stop the garnishment. Every time I call I get different answers. I have made several reasonable attempts to work this out with them. However they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-XXXX-17 my account has been in good standing & current with all payments. 
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date. 
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my Transunion credit report on XX/XX/XXXX, I  noticed that there is inaccurate information listed on my credit report from the creditor of the tradeline XXXX. The account is up to date with no late payments, however according to my Transunion credit report, the trade line is listed as last payment is XX/XX/XXXX. I contacted a customer service rep ( XXXX XXXX ) ( XXXX ) XXXX and the representive explained to me that my landlord verified my recent rental payment, and rent reporters has already reported the correct information to Transunion . XXXX XXXX, informed me to check my Transunion credit report within one week and let them know if I can see my updated tradeline. As of XX/XX/XXXX, the tradeline on my Transunion credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have disputed inaccuracies on my credit file. TransUnion refuses to investigate instead writing to me to say they need proof of my address ( s ). I have verified my address ' 10 times in 10 years with a copy of my drivers license, utility bill XXXX XXXX PAID receipt. TransUnion sends this letter in an attempt not to have to investigate my dispute. I have a US Postal XXXX XXXX for 20 years and a physical address for 12 years, I have sent proof many times. Again today.

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 11-09-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was going to be in the Pharmacy program so I applied for a private loan while attending XXXX XXXX University XXXX a private school ) in XXXX, FL. I came under hardship with my family, I had to leave the school and attend something more affordable, a state school. That one year at XXXX has caused me my largest debt of over XXXX dollars. I was paying on my school loan faithfully for many years, but the balance has not gone down because the interest rate is extremely high and I feel like I am suffocating. My family hardship is still continuing because of my mother 's declining health. Due to this I have to live with her and contribute the majority of my income to the household. I had to stop paying on the student loan because I just could n't afford it. I had called many times prior to ask if there was a way to decrease the interest rate or get some type of forgiveness because I work for XXXX, I was n't sure if there were any programs out there for me. I was rejected multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone stole our Capitol One credit care #, randomly, and charged {$100.00} to XXXX online dispursement center for a purported watch. It was shipped according to XXXX to an unknown address in XXXX, DE. We live in XXXX XXXX, NV and do not use online shopping or paying of bills with any credit card. This card has only been used XXXX in 3 months. Capitol One is not doing anything but giving us a new card with a temporary credit. Our APR on this card is 17.99 percent per year. That is too much for a 10yr old credit card with low limit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Was not able to get my annual free credit report on-line from XXXX, because the identifying questions did n't have anything to do with me. I did not live in any of the listed counties, or have any of the listed phone numbers. I believe the XXXX of the XXXX agencies that stopped the process was TransUnion, but I 'm not certain. Evidently someone has wrong information associated with my name and SS #. How can I get it corrected? Thank you.

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 05-10-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On   XXXX   XXXX   XXXX   I checked my credit report and I noticed an unfamiliar debt being reported by professional debt mediation for {$2100.00}. On   XXXX   XXXX   XXXX   I sent the company a letter asking for a validation of the said debt. On   XXXX   XXXX   XXXX   I received a response from the company including what they considered a debt validation letter. Included was a copy of the lease that I signed beginning   XXXX   XXXX   XXXX   to   XXXX   XXXX   XXXX  . Which is correct. Also included was a statement of charges charging late rental fees for  XXXX  and  XXXX  of  XXXX  and also  XXXX  of  XXXX  all dates I was not living in the apartment any longer. It also shows an eviction which I was never evicted, I moved out at the end of my lease. On  XXXX / XXXX / XXXX  I reached out to the company making them aware of the inaccuracies and asked that it be removed from my file. I sent the same letter again  XXXX  weeks later and still 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: A COMPLETE modification package was sent in and the review process started. XXXX documents were requested by SLS and sent in that same day. On XXXX SLS stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XXXX. SLS is dual tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. SLS is discriminating against XXXX XXXX based on her race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert her legal right in district court naming SLS as a defendant

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 04/18/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (VA).
Issue: Problems when you are unable to pay

Complaint: Reporting deliquent before 30days is up

Company response to consumer: Closed with explanation