milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX Bank account ending in # XXXX appearing on my Experian credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX that states that the account should be removed.

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 03/30/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: During XXXX weekend, while in XXXX, Louisiana my card was misused at a local XXXX. I reported to Chase bank that my card was charged {$900.00} fraudulently on XX/XX/2017. I immediately called my bank and reported my card lost/stolen. Upon submitting a dispute in order to receive my full amount of {$900.00} back into my account, chase also had me verify the transactions I made prior to this purchase of {$900.00}. I said yes to all of the charges except the one made on XX/XX/2017. I was also asked could I recall what my last transaction was the day before the fraudulent transaction took place. I responded " I believe it was XXXX for about XXXX dollars on XX/XX/2017. '' In actuality it was the XXXX for XXXX and the XXXX transaction was the second to last transaction I made on XX/XX/2017. Please be mindful that I was in a state of panic in the middle of the XXXX police department, explaining to them what was going on, while on the phone with chase. I did not have my account pulled up nor did I use my app on my phone to answer the question. I found it oddly peculiar that the customer service rep who was looking on my account did not ask me to verify if the XXXX transaction was valid or not. She led me to believe that I was correct in XXXX being my last transaction. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they said that I listed the second to last transaction opposed to the first. They literally told me that had I not listed the second to last transaction from MEMORY opposed to looking at my account and stating the XXXX purchase as the last transaction on XX/XX/2017, then I would have been granted my money back. 

They are required under the electronic funds transfer act to refund me up to XXXX and myself being responsible for up to XXXX. I am a recent college graduate. I work hard for my money and XXXX is a lot of money when you already have very little. I did my part and reported my card lost immediately, chase needs to credit my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I noticed that Equifax has removed my XXXX Credit Card off of my report without my permission and has dropped by credit score and credit rating. I did not authorize removal of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan that is serviced by Navient. I do n't make enough money to be able to afford to pay off my loans even with income based repayment plans as I just had a daughter. My loans have ballooned out of control because I was advised to place my loans in forbearance every time I called and asked what my options are. This loan will be over {$90000.00} this year. And I am paying less than the interest now. I asked about lowering my interest rate and was told that is not an option. Navient, like any other company today is looking to exploit its customers as much as it can. Whats worse is I did n't have a choice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Broward Adjustment Services (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XX/XX/2017,  i received a call from a representative from  BAS Management  by the name of  XXXX   employee  ID :  XXXX  from telephone number  XXXX   XXXX   XXXX  at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them dated   XXXX     stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on   XXXX    .

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended  XXXX  from  XXXX  and I took out a private and federal loan to attend. This loan is very expensive and wont be paid off for decades.. the main issue I have is that the school is no longer active and I 'm paying for a degree that has no meaning or credibility.  Schools  will not Transfer my credits. My main concern is I do n't even feel like putting  XXXX  on my resume is benefiting me in anyway. Can I please get help and get this loan dischasrged!!! I 'm not even mad about the money, I 'm more made at the fact my degree means nothing and I wasted years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: I had a credit card issued to me from Bank of America. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a " public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by BoA in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Debt collection (Medical) with Lowther Johnson Attorneys at Law, LLC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX XXXX in XXXX Missouri has a permission to treat and permission to bill insurance company documentation they ask you to sign each time you incur services. The persons that have you sign the documentation orally state " This is your consent to treatment for what we are doing for you today, and a consent to bill your insurance if you have active insurance '' and then ask you to date and sign. What they DO NOT disclose is you are signing an agreement to change of venue to XXXX County Missouri if your account goes into arrears. In Missouri you have to be sued in the county of your residence, not the county where the services occurred. This is a cost savings measure for XXXX that causes increased cost for the consumers being sued I believe as a stratagem to bypass truth in lending rules and their obligation to orally inform the recipient what exactly they are signing. Since I know that healthcare entities are treated as consumer loan agencies by the Red Flag Warning Laws, I suspect they are also then mandated to follow truth in lending laws. This company has gotten into trouble many times in the past with unscrupulous collection practices, and I believe closed their internal collection agency due to legal complaints. I have also been sued by them for dollars they should have collected from a contracted insurance company and by that contract if they through their own neglect did not submit the claim must adjust it off but have no resources to battle them. They are a very high volume healthcare company with extremely aggressive collection lawyers, Lowther and Johnson of XXXX Missouri whom I have had great difficulty working with, as they do not follow through and illegally garnisheed my bank account AFTER coming to a payment agreement with me. When I tried to renegotiate the payment due to loss of wages due to illness ( I am self employeed and work as a consultant under contract ) they then are trying to garnishee my contract wages instead. I was told by Lowther and Johnson that I could NOT directly contact Cox Health about their garnishment action and they would not do anything until the garnishement runs out unless I could pay the debt in full ( Part of which is the ER visit they never billed to my insurer ). If the change of venue is not legally binding XXXX XXXX and their collection Lawyers Lowther and Johnson might loosen up and rethink their aggressive stance. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: COMPANY CONTINUE TO HARASS PHONE CALLS/ NOTICE AND DEMAND PAYMENT {$6300.00} ON ACCOUNT NOT MINES/ OVER CHARGES OF FEES..COMPANY VIOLATES FCBA AND FDCPA ; 1692d, 1692f, 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Chase receivables stating that I owed them {$59.00} for medical records that were transferred. I never authorized them to transfer anything and I never received a bill from a company called XXXX that Chase receivables says that they 're collecting for. I did a little research on line and found out that there have been many complaints and fraud charges filed against this company. Since I know nothing about the charge would have no idea what they 're charging me for I think this is for XXXX since I know nothing about the charge would have no idea what they 're charging me for I think this is for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, XXXX, I called the customer service mortgage department at XXXX Bank. 
My call was to inquire about a {$14.00} fee that was added to my mortgage in XXXX of XXXX. 
I spoke with a woman named XXXX XXXX, who explained to methat due to my XXXX mortgage payment arriving 30 days late, XXXX Bank needed to send someone out to my home to see if I had abandoned my home. Because of this, I will be responsible for paying a {$14.00} fee. 
She proceeded to tell me that I am lucky to not have XXXX other charges since I am " always late. '' This concerned me because I have only been 30 days late with my mortgage XXXX time in almost 4 years. 
I also feel that XXXX Bank sending someone to " check my property " for signs that " I still live there '' was very intrusive. 
I was called as many 3 times a day in XXXX of XXXX as well as having XXXX letters mailed to regarding the same issue. 
I would like to have the {$14.00} fee removed. I would also like to know if the banking industry has the right to call multiple times, send letters and now come to your residence to spy for " signs of someone living there '' and charge the customer a fee for this?

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 06-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Wells Fargo and wellsfargo told my insurance company that I did not live at XXXX XXXX XXXX and XXXX XXXX  cancel my insurance and went I call wellsfargo I was told the people come out to see if any one live in the home .like I told wellsfargo I was on the phone with u all with the man came out and I told him what are u doing here and the man told me I 'm here now so u call them this is how I get paid and wellsfargo claim they was going to call XXXX XXXX  and they never did so I had to get insurance with XXXX XXXX I been with XXXX XXXX for 14 year and I real like XXXX XXXX wellsfargo is so racism prejudice so now I have insurance I such not have .so that not all then wellsfargo came up with they did not get my payment so I send them the copy of the cancel check and them they told I old we found the paymeant wellsfargo do the most and I no a lot of people having trouble with wellsfargo. Wellsfargo wait for XXXX XXXX to get there home mortgage down to low and them they start said we did not get your payment I have at least 6 people who live on my block that have been having trouble with wellsfargo three of the are XXXX and wellsfargo did not harass these people like they are doing the XXXX XXXX XXXX do not have a job or no income and he is behind at least 3year with his mortgage and he is not in foreclosure they are trying to work out something with him so he wo n't loose his home.he show us the paper work and all we can said is wo .XXXX XXXX is all so XXXX and he is behind on is mortgage XXXX is about 13month XXXX XXXX is XXXX and is man is about XXXX and wellsfargo told him they have not been received is mortgage and went is sister send them copy that he paid they are still said he is behind wellsfargo need to be stop this is an old man I no XXXX XXXX because my Father and XXXX XXXX retired to gather and they keep in touch this is really sad for this mortgage company wellsfargo is doing this to XXXX people something need to be do n't to wellsfargo

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or  delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX  is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with VERITAS FUNDING, LLC (UT).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan through Veritas lending in  XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for  XXXX   XXXX  construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and  XXXX   XXXX  should have explained the discounts up front.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: I received a XXXX C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX as it is causing me irreparable financial harm.

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 09/27/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Taking out the loan or lease

Complaint: I had a XXXX credit score and the only loans I had were federal student loans which I have been paying on time without any deferment. I went to finance a car from XXXX XXXX, XXXX XXXX Nj and they ran my credit report to approve my financing for the vehicle. They out XXXX hard inquiries on my credit report without my authorization while i have the documented proof that I only allowed them once to run my credit report. They ran it XXXX without authorization and put XXXX hard inquiries on it which led my credit to drop from XXXX to XXXX within a month, first from XXXX to XXXX and then from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for " cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.

Company response to consumer: Closed with explanation