milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I made a deposit on my account on XX/XX/2017 via the mobile APP. During the process, it stated that the funds would be made available on XX/XX/2017. I made a payment on another credit card to pay it off to prevent finance charges from accruing using the funds on XX/XX/2017 thinking it was enough time for the funds to process since the app promised it would be available the day prior. When I checked the bank account today XX/XX/2017, Wells Fargo still had the funds pending but not available and returned the payment to my creditor. This not only caused my Wells Fargo account to be overdrawn, but also caused issues with my credit card since now it has a returned payment on it with a balance. After speaking with Wells Fargo twice, they advised that they received an indication from the bank that the funds may not be available causing them to hold the funds for additional days. I called the other bank who issued the check and they advised me that they do n't have anything on their end that showed any issues with the funds and that the funds are there for Wells Fargo. I called back Wells Fargo again and advised them the situation again with the extra information from the previous bank. Once again, an agent ( XXXX ) and a supervisor ( XXXX ) told me that they received an indication that caused them to put an extended hold on the funds.

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 04-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have written you twice. Chase finds ways out of re fi because I will be paying more in XXXX. the latest trick is " send us military XXXX letters after XX/XX/2006. I mean really. I am almost XXXX years old, was XXXX during the XXXX war, had XXXX, and have always paid on time. I got into this loan with XXXX and I did not know they sold me a non XXXX or XXXX loan. Now I am paying. I mean really, XXXX at XXXX years old? The Army never does that.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Medical) with Credit Bureau Systems, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ai broke some ribs while on a fishing trip to XXXX XXXX XX/XX/2011 was taken to a local hospital emergency room for observation and the on staff Dr. looked at me and told me there was nothing they could for broken ribs so just wait until they heal. while I was XXXX in the XXXX room a Dr . I had never seen came by ask how I was doing and left. Now it seams he charged me {$100.00}. When I refused to pay for nothing done he turned it over for collection. This caused me to have too low credit rating to lease a new car. I asking you to contact him to see if i can get my excellent credit back. I am never past due and have no debt. XXXX had XXXX adverse Account causing the problem will you please see if you can get this Dr. to remove the claim. ( filed through CREDIT BUR SYS INC. # XXXX XXXX XXXX XXXX XXXX, XXXX, KY. XXXX Ph. XXXX I believe the Hosp. was in XXXX Ky. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Medical debt) with Broward Adjustment Services (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collector Name : Broward Adjustment Services Balance Date : XXXX XXXX, XXXX Original Amount Owned : {$230.00} Account Number : XXXX Originated from Medical billing from Dermatologist at the University XXXX XXXX XXXX XXXX XXXX the agreed to amount, event though doctor added procedures not performed. 
After insurance paid, they sent additional bill, I called the medical department but they refused to even listen. I told them that I will not be responsible for procedures entered by error. They would not listen, then they sold the collection to Broward Adjustment Services. When they contacted me I told them about the issue, even agreed on partial payment so they would not put on my credit report. But they said either the full amount or nothing. This is medical fraud, overcharging and listing false procedures then selling it to a collection company. These practices by certain doctors taking advantage of their position and the system had to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was according to XXXX Waited until XXXX XXXX 2017 to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XXXX XXXX  2017 called to ask about confirmation email was hung up  on Twice before I got the third Rep who did n't know anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks 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 07/23/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: my father passed away, my husband passed away the my mother passed away. chasefinancial want me to pay for a home my mother stayed in for 2 years and continue to pay until her death. My mother lived in an undesirable area of XXXX NC. She wanted to move so we found her a condo. After about 2 years she could not live alone, so she lived with my husband and I. she continued to pay for her condo until she passed away XXXX XXXX, 2014. I send Chase the death certificates for both my mother and husband. and explained I would not be able to pay for the home, because, both responsible parties had now passed away. They send me a entire packet to apply for a loan to transfer the mortgage into my name. I call them and was informed they could not talk with because I was not a responsible party on this loan. I received letter ever week and I would call they would say the same thing .The letters all say the Estate of XXXX XXXX and the Estate of XXXX XXXX XXXX . Then all the calls started and I till the same thing on the phone. Then the letters started coming with owner XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX. When my Mother moved with her mailing changed mailing address to ours. The address for my Mother was XXXX XXXX XXXX, same city. I wrote XXXX letters to Chase, Talked to so many people, but the end result is the same I can not pay for a property that is not mine. After all this talking XXXX XXXX bank called and said I owe over XXXX dollars on the overage account of my Mother and me as a responsible party, after know she was dead the continued to take money out of the, because I was alive and no liability on Chase 's account but on the bank. I can not afford a lawyer I live on a small amount of money. Please help I know some about this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Your support in this matter is appreciated in advance. I have two mortgages with Nationstar. Each loan is at least 10 years old to date. I have never missed a payment nor have I been late on either loan payment to Nationstar. When speaking with a lender recently who had run a credit report, I was alerted there were two " late mortgage payments '' showing on one of the loans for the months of XX/XX/XXXX and XX/XX/XXXX. I was quite upset to hear about this considering I monitor the status of my credit. When I checked my banking records, all payments in XX/XX/XXXX were paid on time. When I called Nationstar to inquire about this I was informed the loan amounts had changed ( escrow and interest ) and my payment was short not late. I was not aware of the change and was surprised this had occurred and was not notified. From what I recall from my original note, partial mortgage payments were not accepted. I should have received the original check back to me notifying me the payment was incorrect and not accepted. I then would have been informed of the shortage, made sure it was taken care of, and would not have this infraction on my credit. Often I receive from Nationstar a special delivery notification ( XXXX XXXX or other overnight delivery ) about considering to refinance my properties. If this is the case, why was I not sent an overnight alert of importance to tell me about the shortage payment on my loan? Maintaining my credit score is very important to me and has been for over 30 years I have established credit. I have paid 5 ( and two second mortgages ) mortgages faithfully since the XXXX housing market crash and felt quite proud that I never have been late nor had to walk away from a mortgage. In summary, I want to have the late payments removed from my credit report and should a change occur in my loan, I would appreciate, given my payment history, to be notified first before affecting my credit standing. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TN).
Issue: Taking out the loan or lease

Complaint: I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

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 01/24/2017 about Student loan (Non-federal student loan) with ACS Education Services (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. 
My loans have been transferred to and are currently serviced by ACS Education Services. 

Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. 

Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Who is the man or womanclaiming i owe the alleged debt.yhis infotmation is fraud and inaccuate and it is causing me damages.

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 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No knowledge of said debt

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I applied for a job, interviewed, and days later, received a letter in the mail about that potential employer receiving information listed in my credit report without my consent or permission. When I reached out to the individual that interviewed me, I received no response so I presume I did not get the job based on the information contained in 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 non-monetary relief
Consumer complaint received 07-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One notified me of potential fraudulent activity on my account XXXX Note it was the XXXX time in a year there was fraudulent activity ). I confirmed the activity was fraudulent and was issued a new card. I was told I would not be responsible for the charges. Then 10 days later I get my bill and the charges have not been removed. I was informed it was because the charges were still pending when the fraud claim was filed and it was my responsibility to call back. This is ridiculous for 2 reasons. 1. I was not told this on the initial call. 2. Capital One should develop a system to remove these type of charges without the customer waiting and calling back a second time. It seems like willful ignorance to not have a few fraud claims disputed. As I explained to the agent even a pen and paper would be a sufficient system to deal with these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Medical debt) with AR Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was not notified that I had this alleged debt and I also wanted notified that this debt was being placed on my credit report. I have medical insurance so I was n't even aware of an alleged debt owed to anyone. I 've sent letters to AR Resources advising them to validate this debt because they 've violated th e HIPPA law.  I sent them a certified letter of  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX ,   XXXX   they sent me a letter stating that I owed {$1400.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. This is a violation of  the HIPPA la w. Then on  XXXX   XXXX ,   XXXX   I receive another letter for this same account stating that I owe {$190.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. In the comment section it stated that what the explanation field was for at the top with the numbers in them.  ( 1 ) meant Insurance Contractual Allowance and ( 2 ) Insurance Deductible.   This company has placed  XXXX  separate collection accounts on my credit report with  XXXX  and  XXXX  for the amounts of {$180.00}, {$1400.00}, {$75.00} and and then on my   XXXX    report they 've have {$1400.00}. From the information that sent me in these letters all of these charges for on the same bill, so why did they place  XXXX  separate collections on  XXXX  and  XXXX . The original creditor has violated the HIPPA law because they provided information that I did not give them permission to share with a third party. They 're also providing inaccurate information to the credit bureaus as well as to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent 2 certified letters to Transunion request they correct or delete the disputed information they have on the Bankruptcy. They responded with the information is accurate. I have explain several reason the public record should be deleted : 1 ) According to the XXXX XXXX XXXX XXXX XXXX XXXX Begin XXXX, XXXX 2017 Minimum reporting of name, address, social security and/or date of birth. This information is not listed. 
2 ) I contacted XXXX they couldn't verify the accuracy of the public record so they deleted. 
3 ) XXXX and XXXX couldn't verify the accuracy of the public record and deleted. 
4 ) I contacted the reported Bankruptcy court and they verified they do not provide information to any credit reporting agency.

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 02-05-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Problem with additional add-on products or services

Complaint: I paid three companies from my personal line of credit that I need the bank to look into. XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.These companies took my money and did not render me one bit of service.This just happened in the middle of XX/XX/2017.Do I not have any dispute XXXXights.The bank needs to look into this for me, I know I must have rights.When a company takes this kind of money from people you would expect to get what you paid for.Wells Fargo should take a close look at these companies. Im hoping Wells Fargo would look into this for me as i was rendered no services at all from any of these companies.

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 09-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: There is a large discrepancy between what I am paying and the amount that is actually being applied to my principal amount. Due to Capital One 's online payment options, you can only pay from one bank account a day, because of this I scheduled two payments from separate bank accounts that sum up my total monthly payment. From that amount less than {$80.00} went to principal! That is unacceptable!

Company response to consumer: Closed with explanation