milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My paycheck started being garnished without warning. I was not given a chance to dispute this issue. I do n't know exactly what company is doing it but on my paycheck it say " Student Loan/ XXXX XXXX '' and then the amount withdrawn from every check. I know by law you are suppose to have been employed for 12 consecutive months before garnishments. That is not the case with me. I am being robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Bank of America and I asked to put a stop on the purchase. Bank of America stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Bank of America and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Bank of America stating that they had ruled in his favor. I called Bank Of America and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Bank Of America sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Bank Of America on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.

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 03/28/2017 about Student loan (Federal student loan servicing) with MOHELA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A student loan obtained by myself in XX/XX/XXXX for a total of {$9000.00} was discharged through bankruptcy in XX/XX/XXXX. Authorized by a federal court and signed by a federal judge. During that period some loan relief was either granted or not granted. My relief was approved. Many years later I was contacted by DOE and told that the judge did not indicate in my BK that a specific hardship would occur without the relief granted. Therefore the judge had no authority to grant my relief. My loan more than quadrupled because of this and I have been paying this balance since the XX/XX/XXXX 's. The loan has been sold to numerous companies over the years and all continue to force one into the consolidation trap. The loan has been paid down from {$37000.00}. 00 to {$18000.00} presently. This should never have happened. Even if my BK was not correct which is nonsensical, I should not have had the burden of paying accrued interest and penalties when my correct legal documents were being rejected. In addition, my loan is well over the 25 year threshold for student loans. I also became a certified XXXX XXXX years which should have been enough to be granted loan forgiveness but I was told that my loan was too old. At no time should I have been made to pay for mistakes made by any judicial entity. Whether or not it was the federal courts or the DOE. None of this was my error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We recently bought a house. closed on XXXX XXXX. Our mortgage is serviced through M & T bank. Our first tax bill was taken care of by the title company who collected that money at closing. Our bank paid the tax bill as well resulting in our escrow being negative balance. We callled immediately telling them what happened and that they need to get a refund from town. A week later they received the refund, but are still telling us that we owe them the money for the negative escrow. we are NOT paying this. it is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX XX/XX/XXXX ( 1 yr, 6 mos ) Account status My identity was stolen I want to resolve this issue by not paying anything and having this remove from my credit report thank you. 
-- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have a dispute in progress XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (I do not know) with Viking Client Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received calls from multiple debt collection agencies, most recently " Viking Services '', on behalf of " XXXX '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with XXXX with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX XXXX NA Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

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 02/22/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: XX/XX/2015 I opened a complaint with Suntrust regarding fraud on my account totaling {$470.00}. The purchases were made over XX/XX/XXXX-XX/XX/XXXX. Not only were the charges made with vendors completely outside my purchase history, I provided my alibi of corporate payroll proving I was clocked into my work. Also, I tracked down multiple receipts from the actual vendors, XXXX being one in particular, which has every pattern of fraud one could think of. XXXX Salads, XXXX cans of motor oil, etc ... In addition the receipt shows a card not in my name being declined before mine was accepted for the purchase. Even with all the proof I gave to Suntrust and signing an affidavit affirming the transactions were not authorized by me or by any person acting with my authorization, knowledge, or content, Suntrust has denied my claim 4 times over the last 9 months. First was because the purchases " were in the region in which I was living '' and more recently because they are saying there is there is no way to prove there was a duplicate card or that someone did n't have my actual card with my approval. In addition, the revoking of my provisional fraud credit caused my checking account to overdraft twice.

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 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A public record still on my account,, I paid off the balance to full fill the judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX? 

I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Terrible experience with a mortgage loan modification.

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 01/23/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: In XXXX XXXX I received a notice from a collection agency that Citi Bank sent us to the collection agency. I called Citi Bank because I made a payment every month. Well In XXXX of this year we switched internet providers. Citi Bank was sending e statements ( which I never signed up for ) so because of the switch I was n't receiving statements anymore. The minimum payment was around {$120.00} and I always sent {$130.00} to $ XXXX monthly. We have not used this card except for XXXX which was about {$10.00} a month. So my payment should have went down with the payment I was making. Well when I talked to them after receiving the collection agency notice they told me it is not there responsibility to send out a statement. I said the email they were sending it to was no longer a valid email and he said it does n't matter. I also asked why no one called. You would think if you have a good customer who makes payments on time every month that you would at least make a phone call. Again they said it is not there responsibility. Again I take some responsibility but I never used the card since like XXXX and I know with the payments I was making that I still had a year or so till it would have been paid off. They were not helpful at all. I have flawless credit and now my credit report is showing that I have not made any payment since XXXX of XXXX. As you can see I made the payment every month. I also asked for all the statements for XXXX. When I received them they have been charging me for Payment Safeguard which again I never signed up for. How can they charge people for services that they never signed up for. So now that my minimum due is more than I was sending every month they charged me a late fee from XXXX XXXX to XXXX XXXX. When I called the collection agency they told me that my payment due is now almost {$900.00}. They also told me that Citi Bank reduced our credit line so now they are charging me for an over the credit line fee. I again never received a notice that they are lowering this. The only mailing I received in XXXX was the notice from the collection agency. I have attached the statements from Citi Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We have had our credit card for years along with quite a few other credit cards through Chase and we have been paying down the balance on this particular card b/c we wanted to pay it off and close it out. We paid the balance off on XX/XX/2017 and noticed that the annual fee had hit the account, but figured since we were paying off the card and would be closing it, that it would not matter. I called in to close the account and nothing was mentioned about still owing the annual fee. The final statement we recieved still had the annual fee and interest owed from the previous statement since we paid the balance off in the middle of the month. We then paid that interest owed and still assumed that everything else would clear off. When it had n't done so, I logged on and asked the fee be reversed since we had closed the account and paid off the balance, they have since been stating that they will not reverse it and that it is somewhere in the fine print regarding the annual fee being reversed if the account is disputed prior to the new statement. I do n't ever look at the statements and have only been paying the card down b/c we wanted to close it out. We have other cards with them and use them for our business and personal, but we are beyond disappointed with their customer service regarding this issue! Please help!!! They are raping people with ridiculous fees! : ( : (

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Late fee

Complaint: I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The purpose of this communication is to initiate the complaint process. 
The claim complaint is based on : ( 1 ) Non selection ( 2 ) Non referrals ( 3 ) No interviews ( 4 ) Never hired to work for the employer. On line web site duplications documents are included to verify applications submitted to the employer, from beginning XX/XX/XXXX to the most recent XX/XX/XXXX. Other applications were submitted before XX/XX/XXXX. 
Application content confirms the use of : ( 1 ) Background information checks ( 2 ) Credit reporting history - credit reports to confirm applications completions. Application section verifies race, other demographics. Applicant submitted additional documentation to verify race and XXXX. 
Factual background relative to the aforementioned claim complaint stated includes pertains to initial paper applications submitted during theXX/XX/XXXX. 

Rejected applicant is : ( 1 ) XXXX ( 2 ) Male ( 3 ) Not XXXX ( 4 ) Over the age of XXXX ( 5 ) Veteran ( 6 ) XXXX a. XXXX b. XXXX. 
These are the bases for the claim complaint. 
Separate documents were submitted with applications to designated identify the applicant 's demographics. 
At this point, employer 's selectees are unknown and no communications have been confirmed to the Human Resources department to justify the selectee 's demographics with the rejected applicant 's demographics. 
Employer 's specific reasons, pretext ( s ) for non selection, non referral, no interviews, never hired to work for the employer are unknown. 
Investigations would be vital and produce results to verify the claim complaint.

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 10-12-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. 

XX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # 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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. XXXX XXXX claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.

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 05/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory 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 non-monetary relief
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with Radius Global Solutions LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: I paid off the QVC Card to later find out my account is in collections. 
When making an order, I find out this account is in collections. 
I never received a notice of collections and never received a call. 
The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy call. When I call QVC, they say this is a false statement. QVC has me running around to clear my credit and begging for answers they ca n't provide. However, this vicious cycle of credit destruction was caused by them. I 'm getting the run around.

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