milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I filed a complaint against XXXX XXXX with the Better Business Bureau because I have no contractual agreement with them. XXXX XXXX did not provide me with the necessary documentation that I had a contractual agreement with them. XXXX XXXX only responds to this matter is that I need to fill out a consumer request form. I told XXXX XXXX I will not be tricked into signing anything with them because I do not have a contract with them. XXXX XXXX failed to validate a debt with this consumer and is causing defamation to this consumer credit report and name and would like the CFPB to have XXXX XXXX to remove alleged debt from this consumers report. The alleged debt that XXXX XXXX is saying that this consumer owe is {$6500.00} the dated open XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Late fee

Complaint: I called Target RED card today ( XXXX XXXX ) to pay my credit card balance in full ( {$60.00} ) and was informed my balance is now {$86.00} due to me being hit with a {$25.00} late fee. My bill was actually due XXXX XXXX, not the XXXX. I explained that I was out of town and it just slipped my mind but with today being the next business day after the XXXX holiday and next business day after my bill was due, I assumed that I would have a grace period of some kind. They insist there is nothing they can do to waive it and that even if I spoke with a manager or supervisor they could n't waive it either. I find this rather egregious and ridiculous that if I am a mere XXXX days late, ( a holiday weekend no less ) that they will not work with me, especially when i am willing to pay my balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Account opening, closing, or management

Complaint: Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours

Company public response: Company 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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows twXXXX HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

XXXX misreported late : We have XXXX # XXXX for payment onXX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX told me that the cost of my XXXX work would be {$40.00} because my wife had really good insurance. Then after the work was done it was {$450.00} because there was some kind of error. They told me they would do an audit of my account to see what the difference was and get back to me. They never got back to me. They just sent me a bill which I did not pay because they told me they would do an audit of the account. My wife and I called them numerous times and they never gave an explanation. If they had told me it would have been that expensive at the start I would not have had the work done. <P/>Then we came to find out that they reported the account to collections as it is now on my credit report to AWA Collections on XXXX XXXX, 2016. AWA has never contacted me to get the debt resolved they just added it to my credit report which I feel is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with U.S. BANCORP (NJ).
Issue: Rewards

Complaint: I applied for the U.S. Bank FlexPerks Travel Rewards Visa Card during their XXXX Visa XXXX Bonus FlexPoints promotional offer, which was for a bonus XXXX " FlexPoints ''. The only requirements to meet this bonus were to open the account before XX/XX/XXXX and make one purchase by XX/XX/2016. After allowing the 6-8 weeks stated in the terms and conditions for the bonus points to be credited and still not having received them, I followed up with U.S. Bank on the status of my bonus points. They stated that they needed more documentation from me requesting verification of the promotion in question. On XX/XX/XXXX, I faxed in all of their requested documentation, as well as my backup documents showing I had met the requirements outlined in the terms and conditions of the offer to receive the bonus. After following up again about the status of my bonus points on XX/XX/XXXX by phone, a supervisor named XXXX stated that U.S. Bank would not be able to credit me the XXXX " FlexPoints '' because I had used the wrong application link when applying for the card. This is simply factually not true, as I had even gone the length of capturing the webpage I had used to apply, proving it. This screen capture was also included in the documentation I had faxed on XX/XX/XXXX. I have attached all of our written correspondence, including the documentation I had faxed, which clearly shows I : 1. Applied using the correct link ; 2. Satisfied all requirements to receive the bonus points ; 3. Gave sufficient opportunity to resolve the issue timely and amicably.

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 07/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax continues to report incorrect information on a business account, disputed with credit card company directly with no proof of ownership provided. Equifax continues to report incorrect information and when asked how it is validated only boiler plate response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In view of the massive data breach at Equifax, today I attempted to obtain a copy of my free annual credit report from the Company. After supplying my full name, both current and prior addresses, date of birth, and my social security number I received a response indicating that I needed to provide further data so that I could be identified. The data requested was further financial data, including pay stubs, W2 forms and so forth. This information was to be provided by US mail along with a paper request for the credit report. 

I declined to provide any additional financial information to this Company, as it has showed it is incapable of safeguarding my highly confidential personal data. Moreover, I strongly object to Equifax using the obligation they have to provide consumers with a free annual credit report as a mechanism to collect even more, private financial data about people. 

Equifax should provide credit reports online with requiring additional financial disclosure from persons applying for their free annual reports. The information I provided online already was more than sufficient to adequately identify me. Further, there are other ways to confirm my identity, which Equifax already uses, that do not require additional disclosure of financial information. It is simply a falsehood for Equifax to say I need to supply a paystub or W2 for them to identify me adequately. Ironically, only someone who had hacked the Equifax database would posses the personal information about me initially requested, and that I provided in the application for a free annual credit report. 

I wish to obtain a copy of my free, annual credit report without being required to supply any further private confidential financial information to this Company. Equifax should be prevented from using this obligation to provide a free credit report as a way to gather even more financial data from individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, XXXX, and Experian. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Every time I try to file a dispute, it wo n't let me complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the best buy store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is best buy and deb collector are call XXXX XXXX XXXX XXXX there account CITIBANK , N.A . / BEST BUY account the amount balanced $ {$2500.00}

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 04-05-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred two ( 2 ) Non Sufficient Funds fees in the amount of {$35.00} each for a total of {$70.00} in fees. Non Sufficient Funds fees occurred on the following dates : XX/XX/2018 for a transaction in the amount of {$220.00} and XX/XX/2018 for a transaction in the amount of {$18.00}. I'd like to point out that if the first Non Sufficient Funds fee from XX/XX/XXXX was not applied, there would have been sufficient funds in the account to cover the {$18.00} debit.

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 03/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016, I submitted a loan modification application to Nationstar. After I submitted my application, I submitted every document Nationstar requested after that submission. This week, I learned that I was denied a modification. The letter denying me a modification only reviewed me for Nationstar 's own Standard Modification. But I should have been reviewed for a HAMP product. While I had a HAMP Tier 1 before, I should have been reviewed for a HAMP Tier 2. The denial makes no mention of my eligibility for HAMP Tier 2 and presumably Nationstar did not review me for a HAMP Tier 2.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?

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 06/19/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX.  XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account 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 explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Med-1 Solutions, LLC was awarded judgment of {$3700.00}, by the XXXX XXXX Small Claims Court, State of Indiana, XXXX County. I had agreed and made {$1900.00} in payments toward this debt. However Med-1 Solutions, LLC filed and represented to the Court that no payments had been made and I still owed the entire amount. Due to this the Court granted them an income withholding order that has taken an additional {$800.00}, directly from my paycheck, as of XXXX/XXXX/16. I believe Med-1 Solutions, LLC violated 807 of the Fair Debt Collections Act, by alleging to this court that the entire amount of {$3700.00}, was still owed and represented to this Court that I had not made any payments. I tried contacting the creditor and asked that the update the Court with my true debt balance and they informed that they do not notify the Court of payment history and would not send anything in until they have a XXXX balance. This is a great hardship to me because the incoming withholding takes over {$400.00} dollars per paycheck. Therefore they have taken over {$1200.00} within the month of XXXX 2016 that has drastically crippled the debtor who had been paying {$200.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, Equifax and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XX/XX/XXXX at XXXX, Equifax on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from Equifax and XXXX. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXs ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.

Company response to consumer: Closed with explanation