milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Debt collection (Medical) with AmeriCollect (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Billing disputes

Complaint: I notified Dillard's/Wells Fargo Card Services that my payment for XXXX 2015 was late because of severe XXXX in the XXXX area. Dealing with the real life events in XXXX, I overlooked paying my bill. Immediately once things returned to normal I called and made the required payment and even offered to go on Auto-Pay. Dillard's/Wells Fargo card services said they would remove the late credit reporting, but have yet to do so XXXX weeks later. I do not think I should be penalized due to XXXX in my hometown and the fallout from that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.

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 04-02-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Chase Bank has fraudulently, illegally collected thousands of dollars in overdraft fees from my account as part of their " Overdraft Protection Service, '' despite me sending multiple letters to their corporate offices via certified mail making clear in extreme detail that I did not want the service, was extremely dissatisfied with the service, thought their marketing of the service was unethical, and that I wanted a refund. After agreeing to refund {$500.00} " as a courtesy ( despite having taken {$6000.00} in the past 24 months alone ), Chase CONTINUED to assess fees are refused to turn off the service. I again mailed them and they responded, and again refused to turn off the service, which they claim is optional. Furthermore, they have no stated that they will not even discuss the issue with me further, and they are STILL COLLECTING FEES. It 's unbelievable that the bank has such flagrant disregard for their customers. I 've told them repeatedly I do not want an " optional '' service - yet they refuse to remove it - and have collected thousands upon thousands of dollars as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.

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 02/21/2018 about Debt collection (Other debt) with Genesis Credit Management, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lived an a apartment from XX/XX/XXXX-XX/XX/XXXX. I gave the apartment manger one month notice I was moving out and paid last months rent. She came after me and out my account in collections. The lease she has submitted is dated for XXXX, but my signatures are from XXXX. She has 4-5 different cleaning charges with no picture proof of why I was charged several different times, which needs to be submitted for these to be accurate. They have tried to collect over 7k from me and all my credit agency 's but XXXX have removed it because the documents do not make sense. I have tried to talk to company and they have literally screamed and cursed at me. They used to call me all day every day until I told them harassment would not be tolerated. I have asked them to take me to court and they will not because the documents they have are falsified. I contacted the old property manager and she is in jail for attempting murder on her boyfriend. I need this situation looked into, as it is effecting my rental ability for charges that are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX and a very low income responsible good credit history and a very Loyal Tax Paying US CITIZEN. In XX/XX/2012, I was approved a Loan Modification by XXXX due to loss of income from my divorce. My mortgage was lowered from about {$1200.00} to {$920.00} at 2 % interest. It helped me tremendously not to loose my home, which is my heaven and for my Child. Recently my Account was bought over by Nationstar mortgage when my 5 year term ended, I requested for extension of the Loan Modification as my income remained under $ XXXX annual before tax. I have pleaded and appealed but was advised to Refinance to remove my ex-husband 's name because he had abandoned the family, home and broke the mortgage contract refusing to pay his share ( there should be a Law for criminals like him ). Anyway, Loan Officer XXXX had processed my Refinancing documents and Convinced me that my payments are lowered to {$940.00} including Tax and Insurance at interest rate 3.67 % This is a joke and my Mortgage Balance increased from {$140000.00} to {$150000.00} due from Loan closing almost over {$6000.00}. 
I have received a statement from Nationstar Mortgage stating my Mortgage Amount has increased to almost approximate {$1200.00} to cover the escrow balances. I have been lied to and ripped off. This is a BREACH OF CONTRACT. First they denied me of extension or renewal of a Loan Modification and now the breached the contract of ensuring me that my payments will be at {$940.00} but increasing it to almost {$1200.00}. 
Please HELP!!! My Nationstar Mortgage Acct No. XXXX Sincerely - XXXX Home Address : XXXX XXXX XXXX OR XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXXXXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong

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 03/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: JC Penny has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Convergent Outsourcing Inc . Via mail regarding an outstanding debt of over {$4000.00}. I wrote and stated that the debt was not mine, they then returned via mail a copy of a XXXX XXXX phone bill that I have never seen before, addressed to an address I have never lived at in a city and state I have never been to. I wrote them explaining this and mentioned that my SSN has been stolen before and this could be the issue. In the mean time they have placed this collection on my credit report and wo n't do anything without a copy of a police report stating my SSN was compromised. The report is proving difficult to get as it was quite a while ago. I do have proof from Social Security that requires a PIN number to file my taxes due to the compromise but I feel VERY uncomfortable giving this to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: In  XX/XX/XXXX  we initiated a Modification of our mortgage through Bank of America and the Making Home affordable program.   We received a letter  XX/XX/XXXX , that The Home Affordable Modification Program " Has expanded its Pay for Performance incentive to include an ADDITIONAL {$5000.00} payable after the six year anniversary of your Trial Plan Effective Date.   We were very excited to receive this letter, however, Noticing it says " additional '', I looked up the   XXXX   XXXX   XXXX  , To see what the incentives were and found that we were to receive {$1000.00} per year for each of the first five years of our modification if we made our payments on time. We did not receive, so I called in  XX/XX/XXXX  to inquire as to why we did not receive the {$1000.00} per year, each of the first five years. We did receive it in  XX/XX/XXXX .   Now, our sixth Anniversary of o ur Trial plan has come and gone and I have reached out four times to four or five customer service representatives to inquire about the " Additional Incentive '' and have been told three different reasons  why it has not been applied to our mortgage. According to   XXXX   XXXX   XXXX   It says Through the Home Affordable Modification ProgramSM ( HAMP ), you could earn up to {$10000.00} in principal reduction just for making your mortgage payments in full and on timeup to {$1000.00} per year for the first five years and a {$5000.00} one-time payment at the end of year six. After year  six,   yo u may be  eligible to recast ( or re-amortize ) your reduced mortgage balance to further lower your monthly mortgage payment for the life of the loan.   We were also told we qualify for the incentive, but have to Recast the mortgage to receive? According to the  XXXX   XXXX  and   XXXX   XXXX    Bulletins, We may b e " offered '' to Recast, but it is not mandatory to receive the second incentive. We were told it was by a Bank of America Representative  (   XXXX   ) i n the  XX/XX/XXXX  call, recorded by your company at  XXXX   XXXX .   Any help in solving this issue, is greatly appreciated.

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 09-03-2017 about Debt collection (Medical debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've attempted to work this debt out with my insurance company, they have stated that since XXXX did n't submit properly, they could not back date a payment from more than 2 years ago. I 've spoken with the collection agency, and ca n't get anywhere with them, and XXXX just violates the Hipaa act by sending pertinent medical information to the collection agency and then pretending like it 's not a big deal. Numerous phone calls, and nothing. The medical debt should have been billed correctly to my insurance in the first place and it would have never gotten to the point it 's at now.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (NY).
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: since XX/XX/XXXX I was working with freedom mortgage to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX XXXX # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX  who mis reported and read things that are not true as reported and recorded by athree way call with XXXX and alady name XXXX who was in XXXX XXXX and could barely speak English it is now XX/XX/XXXXand no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX  and XXXX and suffer from XXXX and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste freedom mortgage say one thing do another

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and transunion have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances

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 04-03-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America mortgage loan # XXXX was paid in full XXXX XXXX, 2016. 
Today, XXXX XXXX XXXX I called to ask why the paid note and cancelled deed had not been returned to me. Bank of America agent said that they did not exist!

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 03/24/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute. 
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system. 
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't. 
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now. 

So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Billing statement

Complaint: This has to do with a Chase/Freedom card I have linked to my Chase checking account, primarily for overdraft/cash advance purposes. On XXXX/XXXX/15 I incurred a cash advance of {$1300.00}. When I received the card statement in the mail, it indicated that I had a balance of {$1300.00} ( advance + interest ) due on XXXX/XXXX/15. I set up an autopayment of this amount via Chase 's online system for that amount to be paid on XXXX/XXXX/15, which was done. Then I received another statement indicating I still owed {$18.00} on the account even though I had paid off the balance indicated on the previous statement. I attempted to work through Chase 's customer service to get a credit for the {$18.00}, to no avail. I asked them this question, and could n't get an answer : " How do I ever know what my 'official ' balance is, if the balance on the statement is not correct? ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: XXXX XXXX XXXX, still has a loan on my credit report that was paid off by my insurance carrier XXXX. Ally is showing that i still owe XXXX on the car and have hit my credit with late payments. I had gap insurance to cover any overage after XXXX paid off the car.

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 11/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account was disputed and the company mailed me a letter stating they were going to delete the account. This account from XXXX has to be deleted immediately. See attached documents.

Company response to consumer: Closed with non-monetary relief