milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with Trojan Professional Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account is with Trojan which shows the original creditor as a   XXXX    office. I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had   XXXX   insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Trojan has the account and is reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An account from USDA XXXX XXXX XXXX is reporting as a collection/chargeoff/delinquent. 
This account has a {$0.00} balance and should not be on my report. The " account lender '' promised removal, but has not removed. 
This account appeared on my reports in XXXX XXXX but is listed as being late since XXXX. Everything about this account is incorrect.

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 07-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XX/XX/XXXX Disbursement {$16000.00} - Consolidation of loans to lower my payment amount ( previously under AES with the IBR plan ) XX/XX/XXXX Re-certify IBR documentation and put on forbearance for 3 months XX/XX/XXXX Receive bill for XXXX ( past due ) XX/XX/XXXX Spent several days trying to solve this issue with them over the phone. Then the next even happened and everything seemed to be in motion to lower my payment amount which was quoted to be around {$45.00}. XX/XX/XXXX Payment of {$85.00} ( original amount under XXXX ) to get current. XX/XX/XXXX Payment of {$5.00} forbearance fee which was explained to me over my phone call in XX/XX/XXXX. XX/XX/XXXX Current Payment Due : {$140.00} on XX/XX/XXXX when quoted over the phone of a payment around {$45.00} with IBR ( I believe it was the REPAY plan specially ) The entire reason I signed up for consolidation was to be able to afford my student loan payments. Under XXXX my payment amount has doubled from the previous servicer, my IBR seems to not have taken effect and now my current FedLoan bill is MORE than the original FedLoan bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Credit line increase/decrease

Complaint: On XXXX/XXXX/2016, I requested a credit limit increase with HHgregg/ Synchrony bank. I spoke with a representative who never informed me by requesting a credit limit increase this would count as a hard- pull on my credit file. Currently I 'm enrolled with FICO credit alert and on XXXX I was alerted to an Hard Inquiry on my credit report, upon further investigation I noticed it was from Synchrony Bank. I called Synchrony bank and spoke with several agents who advised me anytime you request a credit limit increase this is counted as a hard pull on your credit report. I explained to several of the reps I was never given this options when I spoke with the rep who processed my request for a credit limit increase, I then asked were all the calls recorded and was told yes they are. I spoke with the fraud department and spoke with XXXX who advised me they would have o fill out paperwork to have this hard inquiry removed but he would need to transfer me to Customer service???? So I spoke with a rep from customer service who had no Idea what paperwork the prev rep was talking about, I asked for a supervisor and spoke with " XXXX '' from Customer Account Services I explained to her the issues and wanted to have the call reviewed the day I spoke rep on XXXX pertaining to credit Increase just to prove to her I was never advised this would be a hard-pull on my credit file. XXXX advised she was unable to assist me and she would trans me to a XXXX rep. I disconnected the call out of frustration and decided to file a complaint against Synchrony Bank to have this Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NH).
Issue: Loan modification,collection,foreclosure

Complaint: Incorrect plaintiff foreclosed on me, forcing bankruptcy and homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX XXXX, 2017 Fifth Third Bank Office of the President XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX This is a letter I sent to Fifth Third Bank requesting a correction to a mistake their employee made and asking for the mistake to be corrected. 
Dear XXXX, I am writing with disappointment to your response, and to request your assistance once again. My former wife and I had a property financed through the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX, the problem is, Fifth Third Bank cashed this check with only one of two signatures that were required, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. Fifth Third Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, and applied to her new escrow account. I have spoken to the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. And am awaiting on a complaint form to begin action through them to try to resolve this issue. I was told based on my verbal complaint that there is a claim against both Fifth Third Bank as well as XXXX XXXX XXXX XXXX. If this letter is not going to generate the remedy that I seek, then I have already notified you that I have contacted the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance and will be forced to proceed with their assistance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX Second attempt to resolve the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I hold a first mtg with US bank ( loan # XXXX ). I applied for a loan modification due to the fact my payment is going up in XXXX and I lose my child support in XXXX 2017. My income is XXXX a month from my job XXXX. My payment will be XXXX. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of XXXX is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in XXXX 2017. US Bank said I can not file an appeal! So much for saying on their paper work they want to work to help you keep your home!

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 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Dear Sir or Madam : Professional Account Management ( PAM ) has violated the terms of the FDCPA by continuing to collect disputed debts after requests for evidence were received. Furthermore, please see paragraph S on page 7 on the attached contract between the XXXX Department of Transportation and PAM. PAM expressly violated the terms of paragraph S when it failed to protect the confidentiality of all records and accounts issued by the Department when it forwarded sensitive, confidential information to the CFPB, the State of XXXX, the State of XXXX, the XXXX, and others. Pursuant to their contract, these unauthorized disclosures were strictly forbidden and placed petitioner at increased risk of identify theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Credit line increase/decrease

Complaint: I opened a credit card with American Express and they gave me a limit of {$10000.00}. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by {$6000.00} and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are {$4000.00} and {$500.00}. Then It turns out that they 've run my wife ' credit without her permission and have somehow used her credit score to reduce mine AND reduce my limit. Her credit score has taken a hit, and they 're reporting that she has a balance with them of {$2700.00} ( having never even spoken with them ).

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked on XXXX XXXX, 2017 due to not having proper security on their website which has the personal info of millions of people. Apart from that, they set up a website in order to check if your information was compromised and have the nerve to tell you to sign up for their premium services. Such services will disqualify you from seeking any type of compensation for this colossal mistake on their part. They mishandled sensitive information and now want customers to sign up for an extra service, even if the first year is free, it 's insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I see on my credit report that I have approx 18 months of 120 days on my mortgage loan. I was divorced XX/XX/XXXX, and the house was awarded to my husband. He moved in XX/XX/XXXX and never paid another payment. The house was sold approx 2.5 yrs ago and the back payments were settled by the proceeds of the sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Managing the loan or lease

Complaint: I have a Honda CRF 250L Dual Sport Motorcycle financed through Honda Financial Services. I submitted my monthly payment on XXXX/XXXX/2016 and it cleared my bank on XXXX/XXXX/2016. I checked my bank account today and Honda Financial Services ( HFN ) had withrew another payment without authorization. I have attempted to contact their customer service several times and can not get through. There are several others in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several negative reports including XXXX XXXX card and other issued credit cards that are not mine. I have never owned or been issued a credit card of any kind except from XXXX department store. - Also my s.s card and i.d . Were stolen a few years back and was told that last year my taxes were filed in California where I do not know anyone who lives there that I am in contact with and was unable to get my taxes back until the end of the year because of the issue. My identity has been compromised and my credit is below poor because of these negative things. Also I have a legitimate bad report from sprint. Those are the only things on my report that are mine and I need this taken care of as soon as possible so that I can start rebuilding my name.

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 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My gas service company, XXXX XXXX terminated my service regardless of my ontime payments. My communication with them led to no reconnection. The account was paid off. They even issued overpayment refund. They are reporting 90 day late payment on Transunion and my dispute with both parties yields the same negative information reported over and over again.

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 11-04-2017 about Debt collection (Mortgage debt) with Seterus, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information on my report is not mine, identity theft, personal information is not mine, accounts that are not mine and have never had, and places i have never lived. Since late XXXX, i have been goring through with this credit agency, i submit a dispute, they then deny me access to the account, i call and they tell me they have fixed the situation. when inn fact that has never happened with experian. once again this happen, today XXXX/XXXX/XXXX. they continue to charge my credit card for services i do not request. then deny me access to the account. i am unable to print a copy of my full report. here is a list of atempts to deal with this service. and there is much more.

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 02-01-2018 about Debt collection (I do not know) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Im a XXXX year old trying to better my life and with that is to better my credit I recently have cleard things off my credit but this company ERC just recently updated as a debt collector with out my knowledge of any kind of notice, and was from XX/XX/XXXX they are just saying now that it recently got collected? It ruined my credit so fast, compared how long it takes to establish my credit it feels horrible I was looking foward to financing my first car and was told this morning XX/XX/XXXX That I  had debt collection of XXXX $ so was not approved and now I will add more to my hard inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase Bank sent me an insufficient funds notice on XXXX/XXXX/XXXX {$30.00}. Changed my check- ing account from Chase to XXXX XXXX earlier this year. Only kept minimal amount in Chase account to maintain the business account. All other purchases were made from XXXX XXXX. - {$120.00} Chase balance was paid on XXXX/XXXX/XXXX by XXXX check # XXXX. I forwarded a letter to Chase on XXXX/XXXX/XXXX, along with my cut up debit card, with specific instructions to immediately cancel my business account. The overdraft was caused by XXXX not using my correct authorized credit card account. On XXXX/XXXX/XXXX I deleted the Chase card from any further purchases, only authorizing XXXX XXXX debit card for future purchases. I was again contacted by Chase concerning the overdraft on XXXX/XXXX/XXXX and several phone calls per day from XXXX. I explained to the caller that I had already forwarded my check, # XXXX with my cut up debit card, as full payment for the {$120.00} overdraft and that I had instructed them to immediately close my account with no further authorized transactions. On XXXX/XXXX/XXXX I received another insufficient funds letter from Chase in the amount of {$79.00}. This transaction was not authorized by me and it was after Chase account cancellation. From XXXX/XXXX/XXXX until this date Chase has been harassing me, telephonically concerning this mentioned overdraft. Chase paid XXXX an additional {$79.00}, {$14.00} and {$58.00} and charged me an overdraft fee of {$100.00} after I directed that my account be closed effective XXXX/XXXX/XXXX. I personally spoke to a Chase representative on XXXX/XXXX/XXXX and no more transactions should have been authorized after XXXX/XXXX/XXXX. I was advised that my check # XXXX ( {$120.00} ) was deposited on XXXX/XXXX/XXXX. This whole time receiving harassing phone calls daily from Chase. On XXXX/XXXX/XXXX I deposited my check # XXXX, in the amount of {$150.00}, payment in full for the unauthorized payments to XXXX. I again advised Chase XXXX, La. manager that I was paying XXXX unauthorized payments in full and that I again directed that this Chase account be permanently closed today. I had to place the Chase number XXXX XXXX on my phone number delete list in order to stop receiving the harassing calls. 
I have verifying documents ( 11 ) if you need verifying documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Delinquent account

Complaint: Wells fargo furniture reported me late. I have made payments however they have discontinued my ability to make payments online. Every payment I made they returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent a wire transfer FROM Coinbase TO XXXX XXXX on XX/XX/XXXX, for {$14000.00} withdrawing money from Coinbase. 

Coinbase has sinced processed 2 wire transfers FROM XXXX, but has not processed my outgoing wire. The support team has not helped me on this issue depsite repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PREFERRED CREDIT INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS ACCOUNT IS SO OLD, ITS PREFERED CREDIT, XXXX XXXX. THIS COMPANY IS HONORABLE AT TRYING TO COLLECT, THEY HAVE SENT THIS ACCOUNT OUT TO SO MANY COMPANY 'S AND ITS BEEN PAID IN FULL SINCE XXXX/XXXX/2013 TO XXXX AND ASSOCIATES.

Company response to consumer: Closed with explanation