milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following accounts are fraud and do n't belong to me. I have disputed with XXXX, XXXX XXXX & Experian a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

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 10/15/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I have an account at Capital One Bank and the last time I used my debit card was on XXXX/XXXX/2016 at a XXXX DVD Rental station. I could n't find my card and called the bank on XXXX/XXXX/2016 and reported it lost. I went online and saw that all my money was gone. The bank representative said they locked the account and cancelled the card. They transferred me to the fraud department which was closed and I had to call back the following morning. When I called back the next day, the fraud department transferred me to the claims department who said they processed a claim for all the transactions after XXXX/XXXX/2016 as fraudulent. They said the issue would be investigated and it can take from XXXX business days. I called everyday for an update and each time I was told that I need to wait until I am contacted. I was also told that my fraud investigators name is XXXX. I called back on XXXX/XXXX/2016 and the representative told me that my claim was denied due to multiple ATM withdrawals being done with a pin #. I asked for the transaction details as to where and if surveillance can be looked at because I did not make the withdrawals. I was told that they can not release that information to me and I should get a lawyer to subpoena the records. I went into a branch in XXXX XXXX, XXXX and the banker was very friendly and gave me an affidavit which I took to the police station to file a report. He also provided me with a print out of the transactions. I have not received a call from my investigator at all. In addition to the the ATM withdrawals there were funds being transferred in and out of the account, fraudulent checks and point of sale purchases made in XXXX XXXX and I reside in XXXX. Capital One did not properly investigate my issue. One of the accounts that the funds were moved into was also a closed account which makes no sense. Hopefully, someone can help me and investigate Capitals Ones procedures or process in following consumer laws! They can clearly see that the checks are fraudulent and the purchases are in another state. I googled the store # 's. Why did n't their systems pick this up? After I called on XX/XX/XXXX, they still honored fake checks and the signature is n't even mine. Someone at this bank messed up or they do n't have a good fraud detection process and they are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of. 
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''. 
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Bank has been our mortgage holder and we are up-to-date with our mortgage payments. Last year, on XXXX/XXXX/15, I found out that my job was being outsourced to an outside contractor and this job loss led to 5 months of unemployment. We kept up with the mortgage during the unemployment with great difficulty. However, the ONLY job offer I got was for a job where I would suffer a reduction in pay of {$46000.00} per year. I previously earned {$120000.00} and now I am earning {$76000.00} at a XXXX job. I had applied for mortgage assistance through the Obama Affordable Homes program on XXXX XXXX. Chase keeps sending me paperwork saying that additional documents are needed ( establishing a paper trail ) but the application was submitted intact on XXXX XXXX. When they call on the phone, I help them find the " missing document '' in the pack, and then they say that they will get back to us once the " underwriters '' approve it. This is on a recorded line. This has happened a number of times. Now they are saying that it will take another month for the underwriters to finish the application process. Although our mortgage is being paid, we have no money for food and we are looking for Chase to modify our mortgage so we have more available cash since I am not earning as much as I used to. I reported this to the XXXX on XXXX XXXX on Complaint number XXXX. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Medical) with Capio Partners, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ** I had to select the " debt is not mine '' option because an option is required although none of the available options truly define this situation I took my infant to the XXXX XXXX in the middle of the night on XXXX XXXX for an XXXX. I have medical insurance which covers all but {$150.00} copay. I provided my medical insurance and did pay my copay. The hospital and physicians bill separately. The hospital billed my insurance and was paid accordingly ( EOB verifying attached ). The physicians did not bill the insurance and billed me directly ( bill attached ). I assumed the bill was because it had not yet processed through insurance. When I received another bill in XXXX of XXXX I called and inquired and they stated that they did not have the insurance information. I provided all of the insurance information again and they assured me it would be taken care of. I never received another bill so assumed all was taken care of. 

A few weeks ago, in pulling my credit report, I noticed a collections company on the report. I called and inquired and found out it was this bill that was under collections. I never received any call or notice that this was going to collections nor that the debt was still outstanding. Immediately upon finding out about it I called the collections company who told me they could n't even provide me a copy of the bill and there was nothing they could do unless I wanted to pay the amount due. They advised it was past timely filing for insurance so they could not submit it. I called the provider office who told me the account was " sold '' to the collections company and they dont even have access to anything anymore. I was eventually able to retrieve a copy of the bill but she told me that she could no longer assist me with settling the account through insurance. 

I spoke with my insurance administrator and they contacted my health insurance company. I was told that the provider violated the insurance contract by not submitting to insurance timely and that I was not responsible for the debt. My companies insurance rep " XXXX '' called both the provider and the collections company but they have not been receptive and they will not even send the claim to insurance. 

The collections company has not been cooperative in the least and I have been blackmailed with my credit report for payment. I have never had collections or anything like this on my credit report. It is not my fault that the company did not submit to insurance when they obviously had the insurance information. When you visit the ER you only provide the information to one person which I did evidenced by the fact that the hospital filed a claim timely. In addition, I also called and provided the information a second time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Mortgage (FHA mortgage) with Amcap Mortgage, Ltd. (TX).
Issue: Struggling to pay mortgage

Complaint: due to miscalculations of taxes and we were now {$7000.00} short in the escrow. I contacted XXXX XXXX to inquire why we were being penalized for this and basically were told it is what it is and we need to pay the monthly payment. There was no way we could afford this due to other obligations as well. We are now three months in default and fear foreclosure. I contacted XXXX XXXX XXXX XXXX representative and inquired what could be done. She recommended to either refinance with them or ask XXXX XXXX for a modification. I contacted XXXX XXXX and inquired as to a modification and they stated we did not qualify. I then contacted HUD and they referred us to a counselor. I do n't believe our delinquency is due to any fault on our part, as we were making our payments on time. If it were not for the errors of XXXX XXXX miscalculations of taxes at the purchase time of the home, we would not be in this predicament at this time. I believe and feel that XXXX XXXX sold us out upon discovering this and cleaned their hands of any responsibility. I do n't believe we should be responsible for the incompetency of XXXX XXXX and XXXX XXXX coming after us, instead of going after the real culprit ; which is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice for an account that is unknown to me, requested verification and received just a statement which provides me with no kind of evidence. Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I went to chase bank on XXXX/XXXX/2015, I made a cash deposit for {$5000.00} cash. I did not bring my bank card but I gave my California ID to the teller. I filled out the deposit slip. 
But on XXXX XXXX, 2015 I checked my balance online and I noticed the deposit never made it to my account. By this point I did lose my receipt. I went back to the bank and asked one of the cashers to check my deposit and she said I had never deposited the {$5000.00}. When I asked to talk with their assistant manager she did not appear to give me any support to do so. She then said was going to check later and promised to call me but she never did. The next morning I sent my wife to give them my business card and tell the manger that I really needed her to call me. XXXX hours later the branch manager called me and said they looked in the system and could not find anything. So now I went back on the XXXX/XXXX/2015 to talk again with the assistant manager and she told me they spent a lot of time and did not have any record that I was there and made the deposit on that date. I told her I would come back on XXXX XXXX, 2015 to give her 3 more days to check, but I went to the bank today XXXX/XXXX/2015 to try to fill out a deposit of just {$20.00} so I could see if they put the money in a wrong account. To my surprise, not only could I not do the deposit, the teller also told me that they have XXXX XXXX in the system and did not know which one I was because I did not exist in their system. Even though I had my ID with me. I told him I wanted to talk with the manager and waited for her. When she talked with me I told her what had just happened and I asked why now that I 'm just depositing {$20.00} they could n't find me in the system? But when I brought my {$5000.00} it was not a problem. She looked in the computer and said they had no record of my account with the Chase bank, but I have a bank card. Then she later said they found me and I noticed they had the wrong social security number in the computer and she fixed it and confirmed I was in the system. I asked for the bank manager to give me the regional managers number and she told me that they did not have it. Then she just asked for my email and she was going to send him an email with my information. It is weird to me that they have a supervisor and do n't have not her number or her information to give to me. I am no longer comfortable with the way this particular branch is handling my money, and I fear that they are tampering with my information in the system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2015 about Bank account or service (Other bank product/service) with Southern Star Automotive Inc. (GA).
Issue: Account opening, closing, or management

Complaint: I bought a car from a " buy here, pay here '' dealership. A month after the car was purchased, the car was repossessed as soon as the last bit of my down payment was made. From what I can remember, the car was purchased in XXXX of 2012 and it was repossessed in XXXX of 2012. The first payment had not been made. The " owner '' of the dealership, XXXX XXXX, made some serious and false accusations towards my person. XXXX Police Department was contacted to place a police report. Now, 3 years later, after trying to purchase a car, I discover that this was placed on my credit report as a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: Received letter from Citizens Bank talking about a credit to my account because of errors in deposit amounts. No dates or deposit amounts included in letter. No way to tell if the amount credited is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Credit card) with Capital Accounts, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My agreed amout to the credit agency was {$140.00}. I initially set up a payment plan for three payments of {$47.00}. I was able to make the full payment via the doctors office before my first payment came out. this was a week ago. I assumed they closed my account. A week after a payment was deducted from my account in the amount of {$47.00}. When i called demanding a refund, they changed the tune and said i owed {$190.00} instead and that extra was " maybe fees, interest etc ''. the initial {$140.00} consist of the {$110.00} that i owed my doctor and {$26.00} in fees that they charged XXXX i dont understand why i was changed {$76.00} in fees! this is insane. they refuse to give me a refund and no one has a proper explanation on why i was charged an additional {$47.00}. everything is recorded and i just want someone to get the phone records to see that these people are lying and deceitful. I would appreciate my refund. they should not run a busienss if they are all being dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Settlement process and costs

Complaint: I still have unresolved issues with my first complaint along with new complaints see attached documents. 
We have refinanced with a new mortgage company. 
Please help us wth these issues that have remained inresolved with Caliberhomes mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a private student loan through Wells Fargo. I got behind on payments, but I knew I was starting XXXX school soon so I was looking forward to receiving a forbearance to postpone payments until I graduated. I started graduate school on XXXX XXXX. I informed Wells Fargo of this on XXXX XXXX because I knew my student loan was schedule to default on XXXX XXXX. Wells Fargo said I did n't appear on the XXXX, so I needed to get my school to fax Wells Fargo a document verifying that I was a student. I gave my school this form that same day, XXXX XXXX. XXXX XXXX was a Friday and my loan was scheduled to default on Sunday, XXXX XXXX. Wells Fargo claims they did not receive verification from my school until XXXX XXXX, so my loan defaulted and Wells Fargo is now asking for the entire balance paid in full. I believe my loan should not have defaulted because I was in school at the time, which Wells Fargo knew.

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 11/20/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Federal student loan servicing) with MOHELA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I recieve a loan from XXXX on XXXX 
Could not understand there on line classes and dropped out the next week they did not dismiss my load until XXXX   Not i am resposable for repayng the entire course. {$7000.00} I feel i should not have to pay for this couse because i dropped out the first week. This has been a total scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received 11 calls in the past 3 weeks from XXXX number. They ask for someone I do n't know ( XXXX XXXX? ) ; I assume she had this number before I did. I have told them they have the wrong number, I do n't know her, and please stop calling me. I have told them this at least three times, and they have agreed to stop calling. ( The other times I have not answered my phone. ) But then they call again. And again. Today when they called, I spoke with a man who told me he had no record of my asking to be removed or that it was a wrong number, so apparently they have just ignored my requests. I told him I was going to report his company because I 'm tired of the frequent calls. He gave me the name of the company, Transworld, but refused to give me any other information. He said since I was n't the lady he was calling, he could n't tell me anything else, not an address, not whether or not they were a debt collection agency. I found out by searching online that they are a debt collection agency. I do n't owe any debts to anyone. I do n't know the lady they 're calling. It seems like they would stop calling me if I 'm not who they 're looking for.

Company response to consumer: Closed with explanation