milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Credit card () with U.S. BANCORP (MI).
Issue: Billing disputes

Complaint: : On XXXX XXXX, 2016, US Bank proceeded to take a {$2000.00} ( the credit cards balance ) withdrawal from my husband 's bank account for a payment towards the credit card I had with them. They also took a {$320.00} as well enough as a {$25.00} withdrawal from my personal bank account. Only the {$25.00} payment was authorized. In attempt to figure out what was going on, I logged into my US bank credit card account online. First off, the unauthorized {$2000.00} payment showed up as pending and to come out 3 days Later ( on XXXX XXXX ). I called them several times to get the non authorized payments returned only to be told that they can not see the payments on there end, so they can not help and to call back on the following Monday. They also said I could only cancel payments 2 days prior to the date they were scehduled. Yet, they could n't cancel the {$2000.00} payment because " they do n't see it on their end. '' There were several calls without anyone able to help me, one lady even laughed at us. On the following Tuesday, my husband 's bank was able to decline the payment from going through. So I called US bank one more time to try to get the {$320.00} payment bank and to make sure this did n't happen again. The lady I spoke told me they would send me a check for the amount over I paid on the account, ( because on her end the {$2000.00} was paid still ) I tried to explain to her what happened and that they did n't owe me any money, I just needed the the {$320.00} to not be taken from my bank. She did n't understand, so I gave up. I went on to make sure that no more payments would go through. She assured me all auto payments are cancelled and would not happen again. Well today, they sent the {$2000.00} through my husbands bank account AGAIN. Both of our bank accounts have been tied up do to their error. We have n't had any way to pay for things all week. And now longer because they did it again. I ca n't help but wonder how many more times this is going to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Recieved a Call today from my Mortgage loan servicer and was told that I was currently late on my XXXX payment. I then looked back on my records and saw that my account was debited the payment for the mortgage payment on XXXX XXXX. The representative I spoke with explained that because the payment was received early they only credited it to the principal at that time. I had explained that no it was for the XXXX payment and that it was paid on time according to there records and mine. XXXX XXXX who was the representative with Seterus - then explained that there system is not able to process it any differently and that I was responsible for late fees for the month of XXXX. After a little more discussion I was then put on the phoe with a supervisor - XXXX XXXX who then at first attempted to tell me the same thing until at which time I told her I would file a complaint with the CFPB. Soon there after she told me I would not be charged a late fee and told me to have a nice day. 
I have been in the mortgage business for over 25 years and have never heard of anything so crazy with regard to loan servicing. I am making you aware of this because I am sure this appears to be somewhat of a deceptive practice used to charge late fees and feel that others without the knowledge and experience I have have probably paid the fee and went on. This is the sort of stuff that gives my industry a bad name

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with FEDERAL PACIFIC CREDIT COMPANY, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I obtained my credit report and discovered multiple errors with accounts from  Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did  XXXX ,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PMT Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PMT Solutions is an unethical, very unprofessional organization. I called to find out why they were sending me bills that were grossly inflated -with predatory feeds attached. Also, they said lost my letter to them asking them to send me a fair bill -minus the predatory fees. Further, I sent a {$15.00} money order and said apply this to any basic fees or charges that I may owe-but, again, my having been in the hospital with an overnight stay due to a XXXX-I was concerned with this bill and called to understand and resolve it as soon as I got out of the hospital and recovered. I asked why I had these excessive charges ; and, why am I still getting charges-even after I called to pay and resolve it and asked for line by line -item by item research. 

Worse, PMT lost the {$15.00} money order that I sent in good faith with the letter requesting the exorbatant fees be removed! They actually lost the money order -did not offer to research and follow-up and hung up on me 3 times when I attempted to call back to ask for a manager to assist with resolutions. I was sent back and forth between XXXX companies and finally I became aware that PMT solutions has the ability to remove the excessive and predatory fees so that I can pay the base charges-fair and square. They simply refuse to be fair or ethical. For example on a charge that is {$21.00} a {$35.00} fee was added. This was done repeatedly even for charges under $ 7- a {$35.00} fee was added. This is by far predatory and unethical. They are unprofessional, rude and it is impossible to get fair resolve. I am certain that other consumers are being treated the same or worse. Please firmly address and stop them/this.

Company response to consumer: Untimely response
Consumer complaint received 03/21/2016 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Kings Credit Services send a collection latters to my soon to be ex husband with his name using false pretense. my ex calls the company to dispute the charges they gave him out all my info and continued to call him everyday threaten him by telling him they will mark he 's credit if he does n't pay my medial bill. ..ex calls me and says will sew me if company marks his credit and continues to call him. I call company and requested they only call me they refuse to do so. I explain the only reason I stop making payments was because I lost my job and told them im not refusing to speek with them I tried to negotiate and settle the account and they refuse to they said they can only take full amount no payment options. ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

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 09/15/2015 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Arnold Harris PC has been harassing me for over 10 years for something that never had anything to do with me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XX/XX/XXXX Indiana XXXX XXXX Indiana of XX/XX/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 04-11-2016 about Debt collection (Credit card) with SANTANDER BANK, NATIONAL ASSOCIATION (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed a XXXX XXXX late payment ' report to XXXX. Merchant ( Samtander ) replied to dispute by reporting an XXXX pmt previously shown as paid on time now reported as also late. XXXX DID NOT question Santander 's STUPID response. They imply passed to me the dispute as resolved in the merchant 's favor. ASININE! ( Got ta love Credit Bureaus who 'rubber stamp ' merchants ' replies! )

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 12-03-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have a security freeze on my credit report with Equifax. I have misplaced the PIN to lift the freeze, and would like a new PIN. I sent certified letters on XX/XX/XXXX and XX/XX/XXXX requesting a new PIN, and included copies of 2 forms of ID. The response to my first letter was a form letter stating they could not lift the security freeze without my PIN. The response to my second letter was a form letter stating they had updated my current address within the last 30 days. ( I have a copy of verification of the initial security freeze dated XX/XX/2014, and it includes the address they claim to have updated within the previous 30 days )

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is the only credit report that still shows XXXX on it was suppose to be deleted from all tree credit reports was deleted from XX/XX/XXXX and XXXX XX/XX/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 03/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Auto debit on Nelnet is not doing what it advertises and taking automatic debits from my account on the due date. I 'm not behind on payments but they put me in a status that is " no pay hardship kwikpay ' and I never requested that.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (AL).
Issue: Managing the loan or lease

Complaint: As I said, Lending Club is reporting inaccurate information on my credit report and just admitted it directly. According to their reporting to the credit bureaus, the alleged agreed on monthly payment amount is {$43.00} and now they are saying that it is {$43.00} and that IS NOT what is being reported on my credit report. And again, this amount DOES NOT add up to the amount they are alleging. It 's just simple math and it STILL is coming back as verified even thought it does not add up. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED. And I ca n't log in and check anything because I do n't HAVE an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX sent me a letter stating that they were reporting inaccurate information and would send an update to modify my credit file. XXXX XXXX stated, " XXXX XXXX made the business decision to remove the account. There will be no further collection activity, creditreporting or sale of this account. In addition, the XXXX credit reporting agencies havebeen notified to delete all reference to the account in question from your consumer creditfiles ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Im definitely glad to see this I 've been complaining for years my student loans have jumped tremendously over the years I owe almost XXXX dollars because they always had reasons why I was not eligible for a repayment plan instead they keep putting me on forbearances which you continue to incur high interest on your loans Also school I went to all closed and unable to even get a job in the filledZ it was a waste.. the school was also misleading signing me up with these different type of lisns

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, XXXX USD was withdrawn from my checking account Bank of America, through an ATM machine in NJ, given that I live in MA. 
I contacted the bank immediately to file a fraud claim, and the temporary credit of XXXX USD was reversed to my account until the bank reaches a conclusion about my claim. 
However, on XX/XX/XXXX, the Bank of America informed me that this transaction according to their investigation was not a fraud and that it was authentic, and that they will charge the XXXX USD amount again on me on XX/XX/XXXX. 
their reasoning is that since the pin was used correctly, then it must 've been me who used the card. 
I argued that any person could 've stolen the information, and I 'm protected by law since I reported the incident within 48 hours. 
i asked them whether or not they involved the police, and they said you should involve them. 
finally, they told me they will look into the claim again, I just want to be protected, it is unbelievable that this is happening, I do not feel that my money is safe anymore in the checking account.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX reported my account 30 days late to Equifax Credit Bureau for the month of XX/XX/XXXX. The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to XXXX XXXX XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of  XXXX  times. Which drastically lowere d my credit score!   Reading FCRA it states automobile inqiries within a 14 day period shall cou nt as 1.  Experian,   XXXX    and  XXXX  are all reporting each individual inquiry, which in turn harmed my  credit score. I  have already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.

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 09/26/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Well Fargo XXXX took {$300.00} out of my business saving account with out my permission or authorization on XXXX/XXXX/2016 and will not return my money.

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 06-06-2017 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is in regards to Gold Key Credit / XXXX, we are working to make sure our credit reports are free of bad marks as we want to buy a home in the near future. On our credit report are 2 bills listed for this company. I contacted the company to make arrangements for payment and wanted to see about making a settlement offer to clear the debt from our credit report. <P/>They told me the bills were medical bills for 2 separate dates for a company names XXXX XXXX XXXX XXXX XXXX XXXX 's hospital. I was advised by a XXXX that they could not accept a settlement because the original creditor had n't authorized any settlements on the account. The bills are from XXXX and XXXX and XXXX admitted that her company ( Gold Key Credit ) had not sent anything to us since XXXX and she had no idea why. She said the original creditor did n't send them contact information from us so it just went to an aging account. She did however have my current address and read it back to me so why did n't they attempt to notify us by mail? I asked for contact information for the original creditor and was told they could n't provide me that and when I XXXX the company I could find nothing for them. I contacted the hospital and was told by 2 different departments that they had never heard of this company ( XXXX XXXX XXXX ) and that it sounded like we were being scammed. <P/>I contacted Gold Key Credit back and asked to talk to a supervisor and was told I was unable to speak to a supervisor one would have to call me back because they do not transfer calls. I was told by XXXX that she placed my account in dispute and that sometime in the next 30 days I should get an itemized bill. <P/>In the mean time I ca n't get this removed from my credit report even though this collection company did nothing to even try to notify us we owed this debt. How is this allowed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, XXXX, and Experian. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

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