milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing. In  XXXX  of   XXXX   XXXX   I was denied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in   XXXX   XXXX  . Still no notification at this time nor to this date (   XXXX   XXXX   ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til   XXXX   XXXX  , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MI).
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 notified this company numerous times in regards to this debt through fax and mail, and I have yet to receive a response in regards to the validation of this debt.

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 08-10-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had filed ID theft with all companies in 2015 with a police report. It took till someone was brazen enough to get my bank accounts turned over to them to have proof of theft. 
XXXX XXXX XXXX then knowingly sold the fraudulent debt to CFSI and gave me 30 days to dispute it. 
I went to the website as instructed on the letter and there they where more than happy to talk to me till I provided legal proof of what I was referring to and then they just disappeared and stopped talking. I was using their live chat. if I leave the chat it will show I ended the chat and there would be no proof I was on hold for over an hour. As I am writing this, I am still on hold and no answer from them. Chat timestamp, chat started at XXXX XXXX, XXXX XXXX to XXXX XXXX, no answer. Then the outcome is that they are sending the information to the client for approval. But they are the ones collecting the bill yet they have no control over the bill and act as if they do n't even own the bill. So now I am not even sure if this is a real company, I may have just given all my information over to someone very bad. 
When the chat ended I clicked the save transcript button and it took me to a page that said it was timed out. There was no time out, my internet was working just fine and I do not have a proxy. 
They did not want me to have proof of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (WA).
Issue: Other transaction problem

Complaint: XXXX XXXX XXXX XXXX XXXX. 

These con artists improperly used our confidential company information, ran multiple credit reports, used out bank information to take unathorized withdrawls from our accounts, and never ONCE contacted us. Even after we had XXXX get involved they continue to take money from our account without notice or reason. We have tried repeatedly for months to get them to close our account and remove all information from their system as we do not want anything to do with them. They do not return calls and they continue to steal. They " sell '' a multitude of products that they don't actually offer or support. 

There is not one single legitimate aspect to this business. 

Avoid them at all costs, do NOT give them any information

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 03/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX someone made XXXX atm withdrawals. I did not realize this had occurred until about XXXX that night when I checked my balance on the Chase app. Weird part is that the card was in my wallet. Once I found this out in contacted Chase immediately and filed a claim. Yesterday, XXXX XXXX I found out my claim was declined because they can not prove fraud. Chase 's excuse is that they ca n't prove I did not give someone my information or allow them to use my card. I informed them that it was not me, I would never give my card and PIN to anyone and I was at work all day and I ca n't be 2 places at once. They were extremely unhelpful and are giving me an extremely hard time because they said the card was in my possession. They refuse to give me money back. I filed a police report for identity theft along with getting a written letter from my job along with my HR manager contact information stating I was in deed at work and I in fact work in NJ. I told Chase I thought this was ridiculous and they made this determination with not looking into anything further because my debit card has a Chip. I told them I am telling them it was not me and if they can not protect my money or offer me anymore assistance what 's the point of even doing business with them. I know it was only XXXX transactions for {$500.00} but it 's my money and no one has the authorization to take my money from me. I am utterly disgusted and upset and may be contacting my family attorney for legal advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Credit determination

Complaint: In last month, WELLS FARGO send me a pre-qualified letter to invite me applying a credit card. I submitted the apply form online and I was asked whether I 'm a US citizen or a permanent resident or a legally stay foreigner. I 'm a XXXX citizen and I 'm now legally staying in America. I 'm not a permanent resident yet. I chose a legally stay foreigner at that time. A week later I received another letter and asked me to supply a copy of my Social Security Card. I send the copy to WELLS FARGO and about two weeks later I received the decline letter. The only reason they rejected my application was Not a permanent US resident. I think this is not a fair reason, and it seems like somewhat Racial Discrimination. Actually I already have credit cards of XXXX, XXXX, XXXX XXXX XXXX, etc. No other banks concern about my citizenship. A credit card is not so important to me, but I think this kind of behavior should not happen in this country. If legally foreigners are not welcomed by WELLS FARGO, they should dare to let me know directly at the beginning of the application and not waste my time.

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 12/21/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Bank is not letting third party get access to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I should have a XXXX balance and not sure why I am past due. I have requested a full history and still have not received. Please help this is hurting my credit

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 04/30/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that First National Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, XXXX . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. 


Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Payday loan () with Flurish Inc. (NJ).
Issue: Applied for loan/did not receive money

Complaint: Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2017 I called to place a stop payment on a check with Bank of America. On XXXX XXXX, 2017, I see the check posted, when I spoke with Bank of America customer service, they advised me that the stop was on my account correctly and XXXX XXXX put the check through a few times. The first time Bank of America stopped it but when the bank took out the check number it went through electronically and they can not do anything about that. First, I was never told over the phone or by the letter they sent to me about the stop payment did it say that if a bank puts the check through electronically it will still process. Second, when XXXX XXXX first put the check through and Bank of America stopped it then the same bank put the same amount, made out to the same person through a second time, they let it go through then. It seems very deceptive on Bank of America side, they should have stopped it for both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a call from national Credit Adjusters about a debt they claim i owe. I have no recoeved any written communication from the company and when requested, was yelled at and told they would n't send me a letter. The man on the phone said he would only send me validation via email, even though I requested it to be physically mailed to my house. When I asked for a mailing address to send a certified letter to requesting validation of the debt he would only give me a PO box , and not an physical address. They continue to call me several times a day. I have gotten calls past XXXX on a few occasions. The employees I speak to are threatening and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX XXXX, XXXX, I signed up for a {$1.00} trial of CreditCheckTotal. I had used them for a number of months in XXXX. 

I pulled my credit report immediately, successfully, and I then attempted a cancellation. I called, but was told it would be a 3 hour wait. I hung up. 

I called the next day, XXXX XXXX, and was told it'd be a 3 hour wait. I hung up and replied in their welcome email this message : " I requested to end my trial after signing up. Please let me know if it's been done. Thank you. '' No reply came. 

I realized I'd assumed a lot in my last message, so I called again on XXXX XXXX, finding out I'd be on hold again. I replied ( in the same welcome email ) : Please cancel my CCT account. Thank you. I called your 800 number, but was told it'd be a 2 hour hold. 
Please cancel my membership. '' I forgot about it. 

Today, Tuesday, XX/XX/XXXX, they charged me {$29.00} since my account was not cancelled. 

This is wrong. They say they won't refund any fees, but also will not respond to requests for cancellation unless one stays on hold for hours to speak to a sales rep. This is highly immoral. It's thievery.

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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had  a walmart cred it card through synchrony bank. I was behind on payments and they sent it to  XXXX   XXXX   XXXX   XXXX  for collection. I called them on  XXXX     XXXX    2016  and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called   XXXX   XXXX   back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  Walmart is  calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by   XXXX   XXXX   and Synchrony/Walmart. I have other  Synchrony ac counts and none of them have done this or offered to.

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