milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Complete Credit Solutions, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Loancare Servicing in XXXX, 2016. Every time I call them, I am on hold for at least 45 minutes before any rep takes my call. I had called to inquire about how I could stop my Property tax and homeowners insurance from coming out of my impound account. The representatives I have spoken to are rude, condescending, and have not helped me in any way. The only rep that gave me some direction told me me to email customer support and also told me that I could not be connected to the escrow department as they do not talk to customers on the phone. So, I emailed the customer service department requesting that my impound account no longer pay out the property taxes and homeowners insurance, and that I would pay it myself. I received a ticket number in an automated reply which stated that I would be hearing back from them within 10 business days. It has now been 17 business days and I have not heard from them. I called them again on XXXX XXXX and was told to wait 30 more days for a response by mail and that I was not allowed to talk to the escrow department. Then, this morning, I received an automated email from them stating that my property taxes had been dispersed to the county.

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 Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: I believe the bank Capital one 360 has charged me more than once for an online purchase but I have reached out to XXXX and the bank but they are only showing one transaction. As of XXXX XXXX I had an available balence of {$830.00} on XXXX XXXX my available balence went down to {$300.00}. This is not the first time they have charged me {$230.00} but they have deleted that in my transaction log and they keep moving it up to the current date. HELP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

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 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Ten years ago, I went into a bad XXXX program that did nothing for my future. I lived off loans and eventually landed a job only to be laid off in 2008. I held part time jobs and tried to pay down some of my loans but when I decided to go back to school, the loans were in deferment. Now I 'm a teacher and trying to pay off debts but the once XXXX XXXX now Navient loans have almost tripled in size. I do n't know how to pay them off in my lifetime. Their staff is rude, the calls from them are harassment, unhelpful and I 'm trying to figure out a concrete plan before I start giving them money. I fully intend to reach a settlement and pay that sum off. I should have never been approved for these loans in the first place. I also hold blame to the University XXXX 's financial aide department for allowing this to happen as well. I was young and too naive.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an open credit card account with XXXX XXXX XXXX which was opened in XXXX of XXXX. Since that time I 've made payments on time for 11 months straight. In XXXX of this year XXXX I was late a little over 30 days due to losing my job. I made the payment. In fact I did a double payment. XXXX XXXX  reported me as being late 30 days to Experian. Experian in turn because of me being late one time knocked my credit score down by100 points and put my account into negative status and there saying it 's going to stay in negative status until XXXX even though I 've only missed one payment in a year. This does n't make sense to me? I would maybe like 5 or 10 points or something, but 100 that 's just wrong. Because of this they have ruined my credit! How can one 's score be knocked down a 100 points for being late on time in a year? This is not right. 

I 've also asked to remove an account XXXX XXXX XXXX that was scheduled to only remain on my account until XXXX of XXXX according to past credit reports but has been mysteriously bumped up a year to stay on my credit report until XXXX XXXX now? I 've reported the problem but Experian refuse to fix the problem and revisit it even though I just disputed it. They refused to take the dispute. How is it that they can get away with this?

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 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to view my experian credit report online for the last 2 days now to dispute wrong information reporting. Experian will not allow me on the website to submit the disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Citizens Mortgage Company 1. Customer Service is very poor. the main mortgage phone number XXXX does not have a live contact person option. this is extremely frustrating and a live customer person option needs to be part of the main option menu. It took me 10 phone calls and about 1 hour of my time to actually get a live person. 
2. Property Taxes were not paid in full and I have received delinquent messages from my town. Citizens is responsible for paying all taxes and should not be receiving delinquent notices.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
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: On   XXXX   XXXX   2017   I pur chase a seat upgrade for me and my husband to add on the the flight that he purchased for us to tr avel to Puerto Rico. O n the date of Travel in  XXXX  the airlines advised that the aircraft we were flying on did not have the big front seats and in fact our seats would not even be together. I spoke with a gate agent once the first part of our flight landed and was issued a refund for the fir st 2  upgraded seats that I purchased. On the return flight I was rushed on the plane and advised there was nothing the airlines could do to assist my husband and I. As a last resort  on   XXXX   XXXX  2017  I  filed a dispute for a charge to my credit card from  XXXX   XXXX . I received a call from an agent to investigate, before I could even explain the reason for my dispute the young man had already established that I had already received a service. He was very rude and could not understand what I was saying and constantly cut me off. I asked several times to be transferred to someone else and he flat out refused and told me my dispute would be closed. I submitted a receipt to document my dispute on    XXXX   2017 a  nd it was completely ignored. I received a letter dated    XXXX   XXXX  , ( th e date of the call ) saying my dispute has been cancelled, without even viewing my receipt. My dispute was for the remaining  XXXX  for seat upgrades that the airline did not give to me and my husband. MY DISPUTE IS NOT FOR A AIRLINE TICKET, I purchased a ticket and I was allowed a seat on the plane, what I was denied was the big front seats that I paid  XXXX  $ for me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (I do not know) with Nations Recovery Center (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX I received a call from a woman by the name of XXXX XXXX, a representative of XXXX XXXX XXXX, a Collection firm. I was informed that I owe a debt in the amount of {$7000.00} from XX/XX/XXXX or XX/XX/XXXX- or it went into collections in XX/XX/XXXX ( per the caller ). The caller stated that I was served in the state of Georgia and in New York. I have never been served and I have never resided in Georgia. I requested that the caller send via US mail any relevant information including all signed contracts. I was informed that i would need to go to the court to look up the file I informed her that due to my XXXX I could not go to the courts to research at this time.. I was then informed that the debt will not dissolve until XX/XX/XXXX and my assets will be subject to seizure along with other threats In addition, i was informed that there are ways that my bank account or personal information could be obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My balance is now accurate in my   XXXX   XXXX   app-please update

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.

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 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection reporting as closed versus being deleted completely from credit report as guaranteed after being paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....

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 06-02-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MT).
Issue: Other service problem

Complaint: I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far. 

Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: PNC reneged on {$400.00} promotional offer. The account was closed. After the account was closed PNC continued billing the account for charges and services.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion and I also have sent them multiple letters to delete inquiries that were done without my permission. They have yet to correct this for me. I called them on  XXXX / XXXX / XXXX  for the  3rd ti me and nothing has been resolved. Other times I have sent them letters in  XXXX   XXXX  and  XXXX   XXXX . These are the following inquiries I asked them to dispute.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 02/21/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/XXXX I was charge XXXX NSF by Chase to my checking account, for XXXX purchases that were pending for a few days but posted that day. 

I dont have overdraft protection on my checking account. The XXXX transactions associated with the NSF was a POS transaction, recurring payment, and an online e-check payment, and all were made when the account had a positive balance. 

One online payment, which should have been denied due to not having overdraft protection, was requested on XX/XX/XXXX and posted on XX/XX/XXXX to the account which caused the account to go negative. Coincidentally, all XXXX transactions that were pending decided to post that day too. All XXXX transaction then resulted in a NSF. 

Why is it setup this way? Why didnt chase have that transactions in limbo for a few days, like it did the others? Why did it backcharge me, but for NSF when at the time of the purchase the account balance was sufficient? 

The method in which system employs to post transactions favors fees and overrides not having overdraft protection, as the online payment should have been denied or posted last, since it was the last transaction made. However, it was posted first causing me to owe {$100.00} in NSF under false conditions set up to defraud me. 

Im making this complaint in efforts to regain my money and for it to be the record the method chase uses to take money from their customers. 

Timeline of transactions : XX/XX/XXXX : - {$75.00}. e-check payment XX/XX/XXXX : - {$10.00} recurring gym payment XX/XX/XXXX : - {$13.00} POS debit XX/XX/XXXX : - {$82.00} online payment Chase then decides to go back to the future and charge me fees for transactions that were made when the account had a positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has filed a " Collections Account '' on my credit report for {$78.00} for XXXX XXXX communications company. I am unaware of what this account is, and the last time I had dealings with XXXX XXXX was over XXXX years ago. I have received no contact from this company and my understand is this would be outside the statute of limitations and they should not be reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (I do not know) with Meridian ARG Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX. 

Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM.

Company response to consumer: Closed with explanation