milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XX/XX/XXXX I paid for ONE night at the XXXX XXXX in XXXX, XXXX. They charged {$170.00} and put a hold for {$540.00}. I demanded the hotel to take such an unreasonable hold off my account and the hotel repeatedly refused to do so. I called Bank of America the same day and the telephone representative who opened my claim # XXXX agreed that a {$540.00} hold for one night was crazy. The next Monday was a holiday so I waited until Tuesday XX/XX/XXXX to get a temp. reimbursement while the claim is pending. The claim is still pending yet Bank of America reversed the funds as of XX/XX/XXXX without noticing me. What is wrong with these people? What could the hotel possibly say to justify " holding '' {$540.00} for a guest who stayed a night and left without spending anything other that her overnight stay? What could possibly be the reason for BOA to reverse the funds in just two days without resolving the claim. I 'm sick of the bank 's abusive practices. I 've had enough. I respectfully request not just the reverse of the funds but a compensation for what they do. How many people do they do this to? 
Thank you for your attention Sincerely, XXXX XXXX XXXX XXXXXXXX ( 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 monetary relief
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Premier Portfolio Group (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received several calls from Premier Portfolio Group. They would not leave a message - just continually calling. On Thursday, XX/XX/18, I received a call from them and they left the following message, " Hello, we are giving you a call regarding a bad check that was placed with our office attached to your name and account number. We need you to contact us immediately to rectify this time sensitive matter. Our office number is XXXX. '' When I was finally able to contact them. I informed them that I have not written a check in about 5 years and am current on all of my bills so they needed to quit harassing me. The person on the other line began to talk all over me and told me that they were not harassing me. She then asked me if I knew someone - she gave me a name - someone whose last name was also XXXX. I called back and the second time got a man. I told him the same thing and again, he talked all over me and would not listen and he too asked to talk to someone ( not me ) whose last name was also XXXX. I hung up and called a third time. The female on the other end this time did seem to be listening. I told her that I had searched the company name and saw many complaints where they said the same thing, that they had received a bad check. I am on the " National Do Not Call List. '' They just kept asking me for someone - it was not my husband 's name and it was not my son 's name ( my son has a different last name than I ). The female told me that they would not call me again but that yet remains to be seen and their tactics are outrageous. I think they were harassing me simply because I had the same last name as someone that they were trying to collect from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Taking out the loan or lease

Complaint: I have had a 10+ year realationship with WELLS FARGO. I also in the past have taken out Unsecured Personal Loans and had no issue with approval. Actually, the last time I applied I was approved in under 20 minutes. 

This time however, I put my roommate on the loan who has bad credit. I was told that the leading applicant who makes the most money ( me ) would be the primary on the loan and that there should be no problem in applying. 

They declined my loan because my co applicant has bad credit. HOWEVER, I was told that he should not have an effect on this loan other than being able to build credit by being a co applicant. 

My issue is this- How the XXXX can I apply for a loan and no one calls me to follow up and tell me WHY I got declined. Provide me with NO NUMBER to call in and find out more information. No link to see reasons of a decline. Nothing but a pointless hit on my credit and my co applicants, who clearly has bad credit so why not hurt it more by applying. 

Wells Fargo is nothing but a bunch of rich XXXX who give XXXX wages to their emplyoees and rip people off. How is a RELATIONSHIP lender not going to loan me money at the MINIMUM amount when I have over 9k+ in savings and a credit score over XXXX. 

They need to be fined for more than chump change. They need to change their processes. If you really are the CFPB DO something rather than give a tiny fine and then take the money to your own pockets. 


Feel free to look up my loan Unsecured : XXXX - 36 MONTHS 8.747 % - {$95.00} a month XXXX XXXX one of the managers of lending needs to be fired.

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 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Gurstel Law Firm, P.C. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
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: To whom i t may  concern, I submitted a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be dis puted and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX, I filed a voluntary Chapter XXXX bankruptcy Petition when I was unable to sell my XXXX XXXX house XXXX. At the time of my petition, I owed {$63000.00} in consolidated student loans to XXXX. XXXX placed me in forbearance during my XXXX XXXX XXXX and instructed me not to make any payments. XXXX later transferred my loans to Navient XX/XX/XXXX. Upon completion of my Chapter XXXX plan and bankruptcy discharge, I contacted Navient to resume payments only to find that Navient had added {$32000.00} in interest to my loans and the total amount owed is {$92000.00}. I lost my job XX/XX/XXXX and received an income-based repayment plan. I was not told that interest would be added to my loans or that I would end up owing 50 % more than I owed when the forbearance began.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (I do not know) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Wakefield and Associates , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX ) sent me a letter on XX/XX/XXXX seeking to collect amounts allegedly due to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX   ). I responded to Wakefield 's letter onXX/XX/XXXX and disputed the amounts claimed due by explaining that the amounts were either paid to the original creditor, or the amounts were so old that they were barred by the statute of limitations.

Prior to the XX/XX/XXXX notice, I had contacted XXXX XXXX on XX/XX/XXXX, to dispute the amount due because I had received some sort of debt collection letter. I advised XXXX XXXX that the amount was paid, in fact, their system reflected a credit balance of {$190.00} ( it does not today ). I requested that this amount be applied against the balance due. They did not apply it, nor did they refund the money to me.

I was surprised when I came home today ( XX/XX/XXXX ) to find a letter datedXX/XX/XXXX from the Wakefield firm again seeking collection of {$320.00}. This letter detailed the amounts that they were attempting to collect, with the 2 oldest dates reflected as XX/XX/XXXX, and additional service dates in XX/XX/XXXX. They also provided additional documentation that appear to be invoices and a billing summary from XXXX XXXX. However the billing summary does not contain information to reflect the running outstanding balance, nor does it reflect the credit of my check ( # XXXX for {$190.00} ) that was cashed by their office on XX/XX/XXXX.

I will be responding to the most recent Wakefield correspondence by providing documentation supporting my dispute. Since it took them over a year to respond, I am seeking the assistance of the CFPB to eliminate further collection of this debt.

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 01-04-2018 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX, I mailed a validation letter to XXXX XXXX XXXX for the debt for {$310.00} they are reporting on my file. USPS Tracking : XXXX XXXX XXXX XXXX XXXX ). 

It has been more than 45 days since they 've received the document now and I still have n't received any validation of the debt from them. I communicated with XXXX and they advised me to contact The Collections Agency, which I did, however no response.

This company has violated the Fair Credit Reporting Act and I have will pursue legal remedies if the item is n't removed from my credit report. They never updated the credit bureaus with the item being in dispute, neither did they respond to me. 

This company needs to be held accountable for their lack of compliance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquiries from : -XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 
Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.

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 03-06-2017 about Payday loan () with ACE CASH EXPRESS, INC. (OH).
Issue: Applied for loan/did not receive money

Complaint: When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I currently use an app called XXXX which is a payday loan app that uses my bank account information to determine a line of credit. On the app there is a section that displays the bank account balance unfortunately it is not in real time I was in the forms that I could make this complaint to suggest that PNC ( which is the bank account I use ) Partners directly with XXXX so that real-time reporting of the balance can be achieved. This would benefit all other XXXX XXXX users who have PNC as it would inform you of WHEN the loan deposits to the account, expediting the process of knowing when the money is accessible so that requesting the loan and knowing when the money is accessible is taking place in one convenient location, within the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Other financial service (Check cashing) with First Sun Financial Inc (FL).
Issue: Fraud or scam

Complaint: XXXX issued a check payable to our customer, XXXX AND firstsun financial inc. XXXX negotiated the check locally and received all the funds. we never endorsed the check or received any funds. XXXX even told us personally that he cashed it. i filed notarized check fraud affidavit for nonendorsement thru XXXX who says they submitted to XXXX in XXXX XXXX they said then that the bank said it would take 90 days. that passes 2 months ago. i have made repeated calls to the insurance company. i called the bank, they refused ant info, status or comment about my affidavit ... ..was it received? ... did they debit it back thru XXXX??? ... did they already refund XXXX?? as a XXXX, i know that such matters require tracing back the guily party ... .the bank or the insurance. i need to start with you to see what the bank has done. in my XXXX years of XXXX, i know that no problem next to major litigation takes this long! quite simply..they take my affidavit and the endorsement complaint, send as returned item thru XXXX who returns it to the negotiating bank, who might even send it to the local branch that took the item. either way it is THEIR responsibility to get funds from the customer. in the meantime, all parties should have been refunded along the way. 
I ask your help to investigate this matter with XXXX XXXX. we need to know what they have or havent done. 1 am attaching a copy of the check that was provided. I think 6 months is enough!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report

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 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My sophomore year of XXXX, I received a private loan from Navient then known as XXXX. The loan was for XXXX. It is now worth over 43,000. When the recession occurred I was unable to go back to school. I was out of school for almost two and a half years. The second year I was out of school I received a call detailing my delinquency. I was young and naive but I grew up that moment. I had no clue that XXXX had been trying to collect payments. They never called and sent one mail that I received before they sent me to collections. I called and they agreed to put me on forebarence because I was ineligible for income-driven repayment though I was making minimum wage in XXXX which was XXXX. I began paying them monthly around 250.00, with escalating cost each month and no decreasing balance. In XXXX I received an email from my school offering an opportunity to go back to school. I immediately accepted and returned in XXXX XXXX making a payment for XXXX because XXXX said I was n't eligible to receive deferment for XXXX. I graduated on XX/XX/XXXX.I started a job in XXXX XXXX and began repaying them before I was accepted into a XXXX program at XXXX university XXXX I then entered in school deferment because I was n't working full time with the company that provided enough income to substain the payments but I was working two jobs. In XXXX XXXX I was accepted into the XXXX school of XXXX, of which I still attend. I have no income except for my federal refund that goes toward living expenses such as rent and food. I was contacted by Navient and told I would have to pay them. They offered no resolution saying that I have no other options and that they would send me to collections again. I am currently being educated for a field in which repaying them would be a foregone conclusion yet I 'm restricted because of inadequate private loan laws and unreasonable contracts companies like Navient offer low-income students because we have no other source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with USAA locking me out the account i had no way to determine the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I reported a fraudulent debit on my Chase business account in XXXX, XXXX ; XXXX specifically. My debit card was charged {$8700.00} at a night club. I informed Chase Bank that I believed I had visited the club but I most certainly did not spend nor authorize almost {$9000.00} in charges. As a matter of fact, I was told that my card had been declined and my associate was made to go to an ATM and pull out the equivalent of {$600.00} USD to settle our tab ( which in itself was a blatant overcharge ). This was after the assailants charged several thousand dollars to each of our other cards stating that they were declined as well. In the shuffle of cards the card in question went missing. Doing some research after the fact I discovered ( and informed Chase Bank ) of a well documented scam listed in the XXXX XXXX XXXX travel warnings that matched our experience almost exactly. XXXX We informed all of our credit card companies about the unauthorized transactions and they quickly handled the matter. 

Chase bank has refused to credit the unauthorized charges back to my account stating that the charges were authorized because I provided the merchant with my card, even though I never signed for the transaction or the amount, and my card was stolen. If a well documented scam by a merchant who has previously been flagged for this is n't covered in fraud protection, then it is n't safe for anyone to use a credit or debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 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: I disputed a tax lien on my credit on XXXX XXXX 2017 that I had no knowlege of and ask Equifax to remove it or provide me with the proper information about the lien which included all paperwork with my name, ss #, address, state id, and signature they did not provide any paperwork. They said, did an investigate through a third party XXXX  which in turned had no proof either. I ask them to please remove off my credit report because it was causing adverse affects on me get a job or a bank account. I went personal to XXXX County Clerk Office XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TX XXXX which I do not live in and ask a clerk about the information and they said they could not give it to me if I was the person. I ask is there a social security number on the file they said no, it against the law to put on any document. So, I confused about their proof of who this tax lein belongs to and would ask the remove it off my credit immediately.

Company response to consumer: Closed with explanation