milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card. 

Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error. 

Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.

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 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Southwest Credit Systems representatives continued to call my cell phone after I asked them to stop. They then began to call from a different telephone number. After a few days of these annoying calls, I finally called them to advise them that I felt harassed and ask them AGAIN to stop. I spoke with an extremely rude manager ( XXXX XXXX ) who, after a heated argument in which I told him that it was illegal and that I was going to file a complaint, agreed to stop the calls.

Company response to consumer: Closed
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Information was submitted to several banks to inquire loans, which accrued several hard inquiries in one day ....

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Apparently Transunion changed there scoring model which caused my score to drop XXXX points, it went from XXXX to XXXX because of a change in their scoring model. I did not have anything negative reported/changed on my report yet my score dropped XXXX points!? I do not feel this is fair to consumers, how can the bureaus make changes that negatively impacts consumers. Transunions scoring model should be investigated to prevent further negative impact to consumers.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid this account completely off with a balance of XXXX in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with XXXX to complete the balance in full. XXXX then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and transunion to investigate this error and remove it from my account. Since the account is listed as 'closed ', XXXX does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as XXXX and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Accounts Group, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I cant qualify for a mortgage because Child Support Enforcement refuses to delete inaccurate child support information from my XXXX credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have faxed in requests for them to correct their incorrect reporting. I personally went into a local office and was given a payment history, to show that the payments had been received by Child Support Enforcement and that they never were late. I was also given an official letter from the Child Support Enforcement Department, stating that they had reported the account erroneously and that this account has never been past due and was never in collections. The letter states that, all 9 months ( the months are individually listed on letter ) were reported erroneously as being late and/or in collections. Even though they gave me the letter and the payment history report to show everything is current and has never been late, they are continuing to report the erroneous/negative/delinquent information. I have been trying for months to get Child Support Enforcement to correct ( delete this account ) my report and they are now refusing to do it. I have tried numerous times to resolve this matter with XXXX and Child Support Enforcement, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to file a formal complaint against the following company with in-corrected information or my credit report. XXXX, XXXX XXXX, XXXX XXXX, Goodyear/CBNA. I have been a victim of IDENTITY THEFT. I have notified the Social Security Administration, State of Indiana and Ohio Safety Department of BMV, Ohio State Attorney Office, and the Federal Trade Commission. My brief case was stolen in XXXX XXXX, 2010 inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the XXXX Police Department. I have file a dispute with all the company name above. These account are not mine, Goodyear/CBNA and 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 non-monetary relief
Consumer complaint received 12/21/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been getting recorded calls from a collection agency telling me to get in touch with a different number to settle a debt. I have called them multiple times stating that the person they are looking for is not longer the owner of this phone number and I have been told that they will remove it from their list. However, after many months they keep on calling at least twice a day and now I do not know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Advertising and marketing

Complaint: I saw Capital one commercials that blank the national TV about XXXX dollar spending for XXXX miles. 
However, these miles are not equivalent to any miles used by airlines ( reward earning by flying ). This should constitute the AD is a false advertising to deceive consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I contacted Navient to place my loans in deferment/forbearance while I collected the necessary documentation for my Income Based Repayment Application. The customer service representative told me Navient did not have the ability to stop my upcoming payment due to the fact I am enrolled in auto-debit payment. The customer service representative told me I had to call my bank to stop the payment. I did so and was told that payment would be stopped. However, Navient told me the incorrect amount of the payment which I then conveyed to my bank and because it was the incorrect amount, the stop payment order was not recognized and Navient was able to debit my account. Trying to rectify this with my bank, my bank informed me that Navient has the power to stop auto-debit at any time, for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I wrote a check for {$850.00} for my rent on XX/XX/XXXX. I saw this morning, XX/XX/XXXX, that there was an overdraft for the amount of {$260.00} and a fee of {$35.00} as well to cover the overdraft. Now mind you, I found it strange because this money was taken out of what I have known all this time to be my savings account. When I contacted customer service regarding these transactions and the overdraft as well as the fee I had to pay, I was notified that my savings account has changed into another checking account unbeknownst to me. When I opened my bank accounts, I requested both a checking AND savings account. I was never told that if I move my own money between accounts more than 3 times that I would not only be charged {$10.00} but that it would also be changed into a checking account. Also, if the account changed, then why was I still paying the {$12.00} a month for a savings account I no longer had? That question was never answered. I was told that I would have to wait 2-3 business days before I would receive any money back. It is supposed to be the amount of {$880.00} by Monday XX/XX/XXXX. Had I know any of this were to happen I would have never opened an account with Bank Of America.

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 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not a Duplicate. 

I have tried to escalate this matter to Experian multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXX Certified mail - XX/XX/XXXX - XXXX have tried bringing this to Experian multiple times notifying them that the Collector agent did not validate this account within the XXXX required by the FDCPA and Experian repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for ExperianXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. Experian mailed me a few reports which state the repetitive response that Experian verified this account to be a collection from XXXX XXXX XXXX for a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing and for a different amount while I was living at another location in XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. Experian allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Medical) with Midwestern Health Management INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is on my credit and I did not make this debt. My Id and other info was stolen about the time this debt was made. I do n't drive and no one would have took me this far away to a hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My son had a student loan with Wells Fargo. I co-signed the loan. My son settled the debt with Wells Fargo and {$14000.00} was the total amount of debt discharged ( written off ) in the agreed upon settlement. For tax purposes, Wells Fargo issued both me, and my son, a XXXX COPY B FOR BORROWER/DEBTOR that requires us both to file with the IRS, meaning we both must pay taxes on the same {$14000.00}, paying double tax. 

After speaking with 3 tax advisors and an attorney, I was told that as a co-signer, I should have received the XXXX COPY C FOR GUARANTOR. This would not require me to file this form with the IRS, as my son would file and pay the taxes as the " Borrower ''. 

Wells Fargo, in issuing 2 " COPY B FOR BORROWER/DEBTOR '', is thus able to report double the amount of money as written off or discharged. This is illegal, unethical, and unscrupulous. I'm sure I'm not the first one to whom this has happened. 
I've spoken with XXXX people at Wells Fargo - 2 ignorant, and the 3rd obstinate who are unable, or unwilling to correct the second copy and re-issue as a XXXX XXXX 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 01-07-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Submitted a dispute of fraudulent inquiries on my credit file with Equifax. Checked the status online it indicates that investigation is complete however complete date indicates XXXX and delivery has N/A.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with Financial Recovery Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the " wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03-03-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Recently, I received letters from Citi Bank 's Credit card department saying that my all 4 credit card accounts were closed by Citi bank on XX/XX/2017. They did not provide a valid reason. The letters only stated " Pursuant to Our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' I felt like I am being discriminated. I have been with Citi Credit Card for more than 15 years. I made payment on time. I never spent over my credit line. My credit score is above XXXX. 

I called their customer services many times and no one can address my problems. I was asked to only send questions to their Executive Response Unit by mail.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?

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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I call to resolved this issue with the merchant and after a failed attempt I initiated a case with the Bank. I spoke with approximately 7 people on XX/XX/XXXX about this situation. Representatives talking to me as if I did something wrong- Unbelievable! <P/>I am absolutely appealing the denial of my claim. The merchant did not receive my authorization to charge the amount and this is Fraud.

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 03/21/2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: THEY ARE CALLING MY NEWLY ISSUED WORK PHONE NUMBER ( LAND LINE ). I AM NOT THE PERSON THEY ARE LOOKING FOR. I HAVE ADVISED THEM OF THIS, AND ASKED THEM TO NOT CALL AGAIN, BUT THEY CONTINUE TO CALL 2-6 TIMES A DAY, PER MY CALLER ID. THEY HAVE CALLED ME A TOTAL OF 12 TIMES SINCE XX/XX/2017. I TOLD THEM TO STOP CALLING WHEN I ANSWERED THE FIRST CALL I EVER RECEIVED FROM THEM ON THE XXXX. THE PHONE # THEY ARE CALLING IS 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal financial data was breached and an untimely notification was given to me ( it had been exposed for several months ) by Equifax. I am now at greater risk of identity theft / fraud as a result of negligence on Equifax 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Vehicle loan or lease (Loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: After reading about the XXXX XXXX scandal involving adding insurance to auto loans that duplicates personal coverage I decided to take a closer look at my Huntington Bank auto loan and confirmed the same " Single Interest Insurance '' charge of {$40.00} on my loan which was originated at the XXXX XXXX dealership. This was added despite my showing proof of insurance at the time of vehicle purchase and adding Huntington as a Lien Holder on the policy per dealer instructions. The vehicle has been continually insured with collision and comprehensive coverage since the time of purchase and I have records confirming such ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (VA).
Issue: Using a debit or ATM card

Complaint: Ally Bank charged me an overdraft fee on a debit card. 
1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 
2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 
3. If someone came into my home and stole from me, I could shoot them. 
I DEMAND MY MONEY RETURNED IN FULL. 
Further, I request a {$35.00} fee for theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief