milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Debt collection (Federal student loan) with Key 2 Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I was contacted by Key 2 Recovery about owing money to XXXX University student accounts. I told XXXX XXXX that I did n't owe anything to this school because the money was from my student loans and grants. I sent her the paperwork where I withdrew from XXXX and enrolled into a different school. XXXX had signed all my paperwork stating I did not owe any money. Months after this I found out that XXXX had fraudulently took my grant money and student loans. I provided her with all my evidence of this. The account number for this account was XXXX. This account was closed. On XXXX 2016 I was contacted on my cell phone again by XXXX with account number XXXX about owing XXXX University money, this time the amount was extremly more than previously. This time I told them that I have already been through this before with this company. I was then told that they just got this account and have never had it before. I again told them that we have gone through this before and I have proven that this money was not owed. I told them to validate the information because I am tired of being harassed. I then found my original paperwork for the previous account and called them about that account number and was told again that it was closed. I am tired of being called on my cell phone. I am tired of proving over and over that I do not owe this and them then closing the account until they feel like opening another XXXX with a different amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There keeping call me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX I was trying to buy concert tix on XXXX. The seller said he did n't have a XXXX account, which I always use because it is SECURED. He offered to use XXXX. I immediately went on my bank 's website, WELLS FARGO, and read their notes about their partnership with XXXX. It said clearly that they SECURED XXXX transactions! I felt comfortable and processed the {$500.00} payment. After not receiving my tix in 15 minutes, I was on the phone with Wells Fargo to report fraud. They said, " It was great that I called right away and they would handle this for me. '' Well, after a few months of " investigating, '' they will not reimburse my money and I now see that the " We secure these transactions '' verbiage from their site is no longer there. Please help!

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 05-02-2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In reviewing my credit report in late    XXXX   XXXX  ,  I saw a negative entry on my report from  XXXX  collection services. I sent a written letter to this company on    XXXX   XXXX   XXXX    asking for verification of this debt or a copy of my contract with this company. As of this date,  Franklin Collection  Services has yet to respond or provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.

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 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. 

I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2015 about Consumer Loan (Installment loan) with National Credit Adjusters, LLC (AL).
Issue: Shopping for a loan or lease

Complaint: Three years ago, roughly, I partially applied for a loan at XXXX XXXX. As the final step the woman on the phone wanted to have a recorded conference call with my bank, XXXX XXXX XXXX. The bank rep asked some pointed questions, and I told them thank you, but I did not want the loan. No money was put into my bank account ( The bank closed and I can not get records now ). XXXX XXXX has declined to provide proof of their supposed deposits, and their own phone recording has me repeatedly saying " NO '' ( the woman would n't get off the phone and I finally hung up ). 

They became a nuisance in attempting to collect a non-loan, and I filled a police report with the XXXX County Sherriff 's Dept. in 2014. 

Now I am getting calls at work from National Credit Adjusters, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.

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 05/15/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a private student loan through Wells Fargo that was originally {$12000.00}. I started paying on the loan in 2012 which was then 18,000. I, being a young, " not so intelligent '' person at the time did n't realize interest was accruing from the time I got the loan nor did I expect it to be as high as it is. I have now paid over {$5000.00} on the loan and about {$900.00} has gone to principal, the rest interest. The loan has an interest rate of over 11 %. I have tried time and again to get the rate reduced, or even my monthly bill reduced and they will not help me at ALL! I do have some credit issues that I have been dealing with for the past couple of years and recently had to file for bankruptcy. I am in the process of rebuilding my credit and I am really trying to get my finances in order. Wells Fargo has made it very difficult for me to make any progress, they continue to ignore my pleads for any kind of help and repeatedly tell me that they can not help me. I understand that I am responsible for this debt. I am fully ready to take responsibility, but I also believe there in no reason someone who makes less than XXXX a year should be paying that high of an interest rate let alone a {$200.00} a month payment. I have done my research and there are not a lot of options for someone in my position, I am hoping filing this complaint will give me some more insight on what else I can do. At this rate, I will be paying on this loan for years to come. Please give me some direction. It would be greatly appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 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: Public record information inaccurate

Complaint: Hello, I am writing a complaint, due to your false reporting of information on my credit file. There are  XXXX  judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the se e the county cle rk and had a conversation with a court representative. I asked him, " How is it that  XXXX  or Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to conta ct the County Clerk a nd they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can Experian or  XXXX  or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/las t 4? Y ou are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question  : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment  2 .  XXXX   COUNTY CIRCUIT COURT   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I have  XXXX  judgement that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.

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 04-10-2017 about Student loan (Non-federal student loan) with Equitable Acceptance Corporation (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I DONT UNDERSTAND HOW THIS COMPANY EQUITABLE ACCEPTANCE CAN TAKE MONEY FROM MY HUSBAND I DONT UNDERSTAND WHO THEY ARE THE WAY THEY EXPLAINED IT WAS WE PAY THEM TO LOWER OUR BILLS. HOW IS THAT IF WE OWN THEM ( WITH INTEREST ), SO I GOT TIRED OF PAYING THEM ALL THE INTEREST SO I PAYED THEM OFF WITH MY CREDIT CARD, NOW THEY SAY WE OWN A COMPANY CALLED STUDENT DEBT SERVICE?? WHO IS THIS?? NO ONE SAID ANYTHING ABOUT THIS COMPANY!! WE WHERE UNDER THE IMPRESSION THAT WE WOULD GO THROUGH XXXX. SO WE FEEL NOW THAT WE ARE BEING TOSSED AROUND TO SEVERAL COMPANIES WE DONT KNOW IF THIS IS AN HONEST COMPANY OR NOT BUT ACCORDING TO THERE WEBSITE THEY ARE NOT TO BE TRUSTED PLEASE HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Bureaus, Inc. (CA).
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: The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX   XXXX , ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed  to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt.   Respectfully  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have continuously disputed the AL Child Support Case with Equifax. I have also provided proof. However, Equifax has continued to violate my rights as a consumer to correct and delete incorrect information and the account. I have disputed the late payments as well as the amount expected to be paid on this account. None of which has been reported correctly. Equifax has parroted the account instead of an actual individual reviewing the account and the proof I provided. Equifax has claimed to have " verified '' the account. I have never been late with my child support payments. I have never not paid my child support and the amount expected to pay is incorrect. I will provide my check stubs for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX XXXX from XX/XX/XXXX as well as the child support order from the courts showing my actual payment amount which is {$850.00} a month. On my check stubs the child support deduction is labeled as " Other deduction 1 '', which is deducted weekly from my check. Which as always been on automatic deduction. The incorrect reporting has continued to cause my credit score to decrease and has caused me to be denied for a Mortgage Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Left multiple message at my place of employment with multiple people stating they are from the District Attorneys office. Also left messages including my name and stating they are XXXX the actual attorney looking for me.

Company response to consumer: Closed
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX is on my report twice XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX changed their billing system in XXXX, 2016. Therefore, they were late in getting bills in the mail. When I received mine, I verified the balance and paid it. They turned me ( and everyone else ( who was " late '' ) over to Allied XXXX for collections action. I received a collections letter from Allied, stating I had a {$0.00} balance. They did not do their due diligence when accepting this matter from XXXX XXXX, nor did they before they sent the collections letter out. Also, they lied in their letter saying that they had attempted to contact me about the debt. Since I had no debt, the letter they sent to me is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I needed my online account unlocked, but was told I have to have a PC. I said I do not have one, only mobile, and followed directions to the desktop version on my mobile phone. The directions did n't work and I told the rep that without electronic access, I would need to close the account. I was then told there would be an annual fee and service charges for closing the account. I stated that I had never been charged an annual fee. I was also told I would lose store discounts and could never have another account. The rep closed the account, but I felt threatened and do not know what extra fees I  may  have on my final bill. I do n't think I should be charged service fees for closing my account. I spoke with the company today and attempted to call the corporate office. They have not called back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  1986 i atte nded   XXXX   XXXX   XXXX   in  XXXX  kansas. I applied for  XXXX  pail grants to be applied to my goverment student loans believe to be a ffel. I was approved for all grant. I compleated both modules  XXXX   XXXX   XXXX    and   XXXX   XXXX   XXXX   XXXX   Because of a problem in the financial aid department with an representative that defrauded or bused clients funds. I Never recived my pail grants. I never found out the out come of that except that the school closed down and no longer exists. Now the DOE is garnisheeing my checks for payment on those student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation