milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Debt collection (Medical) with Richland Bureau of Credits Medical Service Bureau Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment. 

After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score. 

I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out. 

It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed a tax lien that was placed on all of my credit reports. Submitted the police report number and letter of expungement from the state of XXXX. It 's also on case.net as being expunged. It was originally placed due to identity theft. XXXX removed it immediately. Transunion and XXXX refuse to remove the item. They are instead, reporting it as paid. I 've made the dispute with each five times now. Besides, how can I have a tax lien on a property I do n't own in a state I do n't live in? I am from 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 05-05-2015 about Credit card () with DISCOVER BANK (NY).
Issue: Late fee

Complaint: I always pay the full balance of purchases that I make each month when I receive my Discover Card. 
On XXXX/XXXX/XXXX I made a {$460.00} payment by phone to Discover Card so that my payment would be timely for the XXXX/XXXX/XXXX due date. I was given confirmation # XXXX. 
However on my next month 's statement Discover Card charged me a late fee of {$25.00} on XXXX/XXXX/XXXX. 
The next due date of XXXX/XXXX/XXXX I again paid my purchases of {$730.00} by phone on XXXX/XXXX/XXXX, I spoke with XXXX XXXX ( XXXX office ) and she gave me confirmation # XXXX for my payment. On XXXX/XXXX/XXXX Discover Card charged me a {$35.00} late fee plus {$15.00} interest for a balance that I paid timely. 
Discover Card continued to bill me for late fees and interest on the disputed late fees for every month thereafter. It has ballooned to {$130.00}. I wrote to Discover Card on two ( 2 ) occasions XXXX XXXX, XXXX and XXXX XXXX, XXXX and they have not replied. 
On XXXX XXXX, XXXX, I retrieved a credit report from XXXX and XXXX. My credit score went down due to XXXX negative entry posted by Discover Card. Discover reported that I was thirty ( 30 ) days late for the month of XXXX XXXX. I was not late. I paid the amount that I charged. I simply refused to pay the disputed late fees and interest. I have attached my statements and copies of my letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient, responsible for servicing my Stafford student loan surprised bill me for a past due amount on my account for payment I submitted in the last month. I called the representative and they said this was for a missed payment several months back that their system now caught. This is very inappropriate as I always pay the amount shown due on their Web Portal. I was never given notice that I ever missed a payment. I feel completely at mercy to Navient with no recourse for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is noting that XXXX of the account son my report were charged-off. I have submitted to them proof multiple times showing that these XXXX accounts were NOT charged-off, rather they were settled. However, Experian is NOT correcting the erroneous reporting and is therefore ruining my chances to get approved for new mortgages. It hinges on those accounts being reported correctly as settled, versus being charged off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I could n't afford the high payments and due to the interest building up along with late fees continuing to pile up, my student loan amount dramatically increased. I was not given any information about repayment options to help me and when I called them and tried to lower the payments, I was put on hold for a long time and transferred to many different customer service representatives who all did n't know if they were allowed to lower my bills, or told me that what I was paying is the lowest repayment option that they offer. Now my student loan amount is too high and the payment amount is still unaffordable. It is very difficult to find a job that that pays me enough to afford my student loans and live on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I am located in XXXX XXXX County, FL, I have an auto loan with American Credit Acceptance, for a used 2008 XXXX XXXX, purchased around 3 years at {$17000.00}, 90k miles at a interest rate of 27.5 %. <P/>I was told that is abnormally high, is this legal? <P/>My car payment is {$550.00}, which is difficult and have fallen back a few times. I have tried inquiring but no luck, nor are they willing to waive the late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX sent an amt of XXXX to collections. Was removed by XXXX. Have been contacting XXXX ( who changed the amt to XXXX ) and the collection agency to Allied Collections.in XX/XX/XXXX.Have disputed the amt. With XXXX, Allied Collections and XXXX with no results. Allied hung up on me 2 times, XXXX gave me 3 different stories what the claim was for and I disputed 5 times with no result from XXXX  Sent to Better BusinessBureau. The dispute nos are XXXX XXXX XXXX in XXXX and the last conf no is XXXX which says pending since XXXX. When called re : XXXX told me to dispute again. System would not allow. This if rediculous. Was XXXX cust. for 14 yrs. ans switched because of poor quality in my home. There was no ETF was not in contract. What is the problem with Allied????? They are not doing anything to fix nor XXXX Will be contacting my Lawyer if not resolved shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report

Complaint: This a complaint against Wells Fargo Bank. Concerning XXXX XXXX XXXX, XXXX, XXXX. Based on WFM not providing the complete truth to the Credit Agencies, but only a misdirected biased opinion against our family, we have suffered considerable damages. As much as {$100000.00} in direct costs and more in other costs and ongoing costs. Wells Fargo intentionally keep as trapped and unable to get a new mortgage. THE Credit Agencies, XXXX, XXXX and XXXX have wrongfully refused to alter our credit reports, they have told us, this because of the ( false ) information supplied by Wells Fargo Mortgage. Here 's new and additional information.. 1 ) WFM wrongfully show late payments in 2016. There was one occurrence of late charges about 24 months prior XXXX 2016. Wells Fargo wrongfully carried these late charges forward. The late charges occurred when l became seriously ill. We requested numerous times, from Wells Fargo , emergency 401k application forms, so we would remain current. Despite numerous requests Wells Fargo did not supply the forms, leaving us unableto stay current. We made a complaint to WFM about this and WFM produced false documentation to 'claim ' they provided timely documentation. We will testify under oath WFM intentionally misled with  this false claim and these false documents. 2 ) WFM have told the Credit Agencies we were late in all of 2016, when in fact WFM made no late  charges against in 2016, the dispute over all late charges was n ongoing dispute and WFM had  suspended late charges as we tried to negotiate a settlement on all late charges, without resorting topossible class action law suits. We have never yet filed any law suits against WF, but we are very very hurt, at the ongoing abuse and hurtful actions to this day from WFM, as noted above.
3 ) WFM unfairly, even told the Credit Agencies we made a late payment in the month of XXXX 2016. 4 ) In XXXX 2016, after discussions, my wife and l informed WFM of our intention to settle 100 % of the mortgage on XXXX XXXX 2016. We were assured there would be no late charges from WFM in XXXX 2016, as we were settling/paying off the mortgage account in full XXXX XXXX 2016. We notified WFM in writing our payoff was arriving XXXX XXXX 2016. There was a timely written notice from our Title Company to WFM, weeks before XX/XX/2016. WFM. WFM received that written notice.

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 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nelson Cruz & Associates LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX received a targeted promotion from Citibank, offering me XXXX American Airlines miles as a bonus for opening a Citigold checking account and completing simple requirements. I opened the account using the promotion code, and promptly completed the requirements. Now, in XX/XX/XXXX, one year later after having satisfied the terms of the offer, I have yet to receive the bonus. 

In XX/XX/XXXX, I contacted Citibank regarding receiving the bonus, and I was told that they could not locate the promotion code in association with my account, and began an " investigation ''. In a separate communication from Citibank, I was told that the " investigation '' was ongoing and would complete on XX/XX/XXXX, after which I would be contacted with the results. After hearing nothing by XX/XX/XXXX, I contacted Citibank again and was told that Citibank 's promotions investigation unit was " experiencing a delay ''. It is now XX/XX/XXXX, with no response from Citibank.

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 04-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Received XXXX denial letters, XXXX for XXXX XXXX XXXX & XXXX ; the other for inhouse modification, dated XXXX XXXX, 2016. The letters stated " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' This means that it is a denial based on investor restrictions. XXXX XXXX interpretations of the loss mitigation rule clearly state that this type of denial reason, without informing the borrower of the type of restriction, is not sufficient. 
The next paragraph in the denial for XXXX XXXX XXXX is also inconsistent, since the following paragraph beginning with, " Based on the documentation you provided ... gross income which is calculated as {$4900.00} ... '' suggests that the denial reason is XXXX negative but on the next page, ASC says the denial was not based on NPV analysis and your appeal can not include disputes about income, etc.

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 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Stenger & Stenger, P.C (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is a dispute with Stenger & Stenger XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. They purchased a XXXX XXXX  credit card debt from XXXX XXXX XXXX XXXX XXXX. They were awarded a Default Judgement in XXXX County MN, on or around XX/XX/XXXX, in the amount of {$10.00}, After years of requests to provide me some validation of debt, and/or account history, Continuously was told they didn't need to provide me that -- the debt was to old and they had earned a default judgement and they couldn't/did n't need to. During the month of XX/XX/XXXX ( without warning and unknown to me until XX/XX/XXXX ) I received fifteen ( 15 ) months of alleged statements. The charges accrued according to those statements was pathetic. There were 7_8 separate ACH checks in the amounts from {$100.00} to {$1400.00}. Each/most incurred a fee of {$14.00}, a {$39.00} over limit, and a $ XXXX- {$39.00} return fee, Interest charge of 29.99 %, in addition to the $ XXXX0- {$35.00} return fee at my bank. Inever authorized any of those ACH attempts ( had I authorized them I would have had the money to clear ). Since the futile attempts to resolve after default judgement in XXXX  County Court ( XXXX ) after being unable to resolve, Stenger & Stenger garnished my wages at which time I set up a {$75.00} biweekly/semi-monthly deduction out of my bank account. On or about XX/XX/XXXX the {$10000.00} was paid in full, and Stenger & Stenger acknowledged by filing a satisfaction of judgement in XXXX  County. On or aboutXX/XX/XXXXI spoke at length with XXXX at Stenger & Stenger about these issues. I have contacted Stenger & Stenger three ( 3 ) times since and all I'm told is they are closing the account. I expected ( from conversation with XXXX  ) that they were at least going to provide me information I need to validate account, which hasn't/is n't happening

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 03/20/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Hello, For the past two years, Equifax has not been receiving or updating my credit file with my account information. Accounts that I had for years are showing up as basically being inactive, even though they are very much active. I have called Equifax on several occasions and submitted online disputes, but this has not helped. I have no collections or missed payments on my reports for the XXXX bureaus. And while I have excellent credit scores with both XXXX and XXXX, Equifax consistently has me almost XXXX points lower because they have not updated most of my information from my creditors in years and they do not show many of the new accounts I 've had over the past 4 years. In fact, nany of my Equifax accounts show that they have not been updated since XX/XX/2011. They also show my current address as one which I had 3 years ago. My current address is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. They asked me to send in my license to prove this. I did it several times and they still never updated my file to this. My Equifax dispute number is XXXX, and I am attaching a report I received from them this week.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Chase has improperly withdrawn money from my XXXX checking account for payment to a Chase credit card that I share with my mom but have n't used in over 3 years. 
We both have an online Chase account. She made a payment to the joint credit card from her online account. She nor I have ever verified my XXXX checking account on her online Chase account. I have verified it to XX/XX/XXXX payments to my other Chase credit cards. I believe they have a bug in their system that is authorizing her to withdrawn money from my XXXX account by allowing her access since I have already verified it on my online Chase account. 
Chase will not fix the issue. 
My mom is not computer savvy. She would not be able to confirm the two small deposits into my XXXX account to verified it online. She does not have access to any of my XXXX checks. She has her own money and has never called Chase to access the XXXX account. Chase will not further research this issue. I believe this must be an ongoing issue where Chase is withdrawing unauthorized funds from external bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have disputed two charges and Bank of America denied disputes without a valid reason. The dispute for XXXX was unauthorized and Bank of America said they obtained the proof of the sales slip. When I asked to see it ( my signature ) Bank of America was unable to provide the proof to me but still denied the despute. This is a violation of fair credit billing act. The second dispute for XXXX was for XXXX rent a car, same company, for services not rendered ( my car  wasnt available for 3 days after it was promised yet the full charge was charged. I provided proof of reservation showing the correct dates, yet Bank of America still didnt do anything )

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 12/22/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing

Complaint: I made a purchase in the old navy store in XXXX. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of {$80.00}. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and misleading a customer.

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