milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Fraudulent charge made by XXXX XXXX XXXX Tel XXXX on XX/XX/2018 for total of {$2400.00}. Submitted claim to Wells Fargo. They did not initiate a fraud investigation. They did not refund the card for the amount. The bank is taking no responsibility, even though it has a chip and I have the card and it could not have bee used at the store. Bank says to talk to merchant. Merchant says to talk to bank, and customer gets XXXX in the process!

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 06-05-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Despite many ( XXXX-XXXX ) telephone communications with billing dept trying to resolve a billing issue, XXXX XXXX ( 1 ) kept no record of their communications between me and multiple account representatives and ( 2 ) turned an inaccurate " balance '' over to a collection agency after telling me to wait for an updated account statement by mail while a medical discount program card was being processed. 

( Additional info : I chose the " debt was paid '' option from the dropdown menu because it most closely matches my situation. The medical assistance provider/drug manufacturer assistance program was in the process of approving my coverage when this debt was applied. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a collection with Equifax. The collection is a medical debt that ( 1 ) my insurance company has processed and authorized payment, ( 2 ) my insurance company has instructed me that under my contract I may not pay a collector, ( 3 ) is delayed because the state of Illinois has not established a budget and authorized a payments ( even though I have paid {$1400.00} for coverage every month ). The resolution was not in my favor, did not allow me to leave a statement to accompany the item, and ( most importantly ) gave me no explanation as to the basis for their conclusions ( which prevents me from adequately defending myself and protecting my credit score. ) I have dialed several customer service numbers, and get automated responses. In addition, to enter the dispute I was forced to agree to their terms that required me to agree to electronic communication only. I want to speak to a person at Equifax. If they are going to sell my information, I should have the right to speak to a person and get an explanation. My credit score was XXXX and has dropped under XXXX as a result of this collection on my credit report, resulting in significant economic loss to me. Equifax has made fairly resolving this dispute timely, difficult and confusing. I hope that the CFPB can help me clarify my rights, Equifax 's responsiblities and use this case and others like it to improve the laws to protect people from these barriers to fair treatment created by large companies in the financial industry.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Perfection Collection (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account is not mine. Remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX is reporting over $ XXXX in debt on all three of my credit reports. I contact the company on XXXX XXXX to get validation of the 6 debts and never received said information. On XXXX XXXX, XXXX I sent another letter certified listing several items that I was looking for to validate the debts.In addition, I contacted both the original XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX to get clarity of the debts and they both said they did n't have any debts in my name and when I asked about my daughter they could n't find said information as well. State Collection Services sent me a itemized list of specific medical procedures and dollar amounts of said procedures that they list was supposed to have been preformed on my daughter when she was a minor. ( HIPPA Violation ) they never sent a signed copy of my alleged signature authorizing said procedures or agreeing to pay for these debts nor have the company provided something proving to me that they have permission to collect on said debt as the original creditors listed above states they never provided State Collection with debts nor my daughters personal information in which they have. I have never authorized a third party permission to look at nor receive personal information on my daughter nor myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Interstate Recovery Service, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX had contacted me during my work hours I spoke to a young lady offering a a gift card for {$250.00} and I will receive magazines and can cancel any time. She then transferred my call to another representative that took my mail address. I never received the gift card but I did their magazines. They withdraw {$50.00} on XX/XX/XXXX through XX/XX/XXXX off my Checking account. I had recently moved from my original address and did not pay much attention with the plan to cancel the magazines. When I tried to cancel on XX/XX/XXXX they refused to cancel my policy saying they had send me a notice of renewal and since I did not sign they automatically sign you up for a year contract without my consent!!! I tried to explain that I moved and was not aware of the notice and tried to cancel with no success. I contacted my bank on XX/XX/XXXX to stop payment. The Bank also tried to contact XXXX XXXX XXXX to cancel payment and they were very rude not only towards me but to the Bank Representative refusing to cancel.My bank did warn them they will stop payment and they will be recorded as well of the conversation if they withdrew any more money from my account they will take action. Since than I keep getting harassed phone calls and mail by the company and recently a debt collector to collect the full amount of year contract. I need a resolution to stop this company, read reviews on line and I 'm not the only victim of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Synchrony Bank has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call me.

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 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 04/23/2018 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: I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting.

XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX this is not my account I never had a account with this company.

XXXX XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent.

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as XXXX XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment

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 08/24/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In XXXX I lost my job. I am now XXXX years old. Sadly we had no choice but to file Chapter XXXX in XXXX of XXXX. On XXXX XXXX, XXXX, I am being sued for {$720.00} dollars. From a XXXX party debt collector. It was originally a credit limit of {$600.00} dollars. Never received anything not a call or a letter. To appear in court within XXXX weeks! I called them and told XXXX the situation. She was very rude and trying very hard to make me feel like a XXXX bag. I was threatened by them of putting a Lien on my home and garnishing my wages. I need MORE TIME to hire my attorney and he is very good. I am a Senior XXXX and I will not stand by and have this company me threaten me and take away from me. Going to get this company for harassment. I am retired and I will not just stand by and got this letter within XXXX weeks for a court appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 I looked at my account online with the intention of paying off the entire " balance ''. The website showed a balance owed of {$22000.00}. I paid the entire amount on XXXX/XXXX/15. Then a couple weeks later I discover ( I ca n't recall if looked on my phone or reviewed a paper statement XXXX that my balance owed was {$120.00}. I called Wells Fargo on XXXX/XXXX/15 to question the {$120.00} balance because I in good faith paid the " balance owed '' on the XXXX. I advised the gentlemen that I wanted to pay this down to XXXX and he advised me that if I paid the {$120.00} ( which I subsequently did on the XXXX ) I would have a XXXX balance. Today XXXX/XXXX/15 I looked on my iphone app and that same account is now showing I still owe {$56.00}. I called and they explained that the {$120.00} was principal owed and the {$56.00} was the interest. If I had not happened to look at my account I would have not known the interest was still owed. As you can see by the attached document the balance owing once again still shows XXXX. This is extremely deceptive and needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter has XXXX student loans from Wells Fargo Education Financial Services in the amount of {$63000.00}. from her XXXX education. She spent three years getting her XXXX XXXX XXXX degree from XXXX University on full scholarship and graduated in XXXX XXXX. She is working and ready to start repaying the loans, however the payments are too high for the salary she makes. We have always planned to pay off the loans when she graduated with the equity in our real estate, which is currently on the market. I have requested Wells Fargo reduce the interest and extend the terms of the loan to a payment that she can effort until our real estate is sold. Wells Fargo reduced the interest less than 1 % and will not extend the terms that would reduce the payment. The first payment is due on XXXX XXXX, XXXX and if Wells Fargo will not extend the terms until the sale of our home is complete, she will not be able to make the first payment close to {$600.00}. Based on the salary she makes, the numbers just do n't work. I will attach the details in an attached letter sent to Wells Fargo Executive Customer Service Committee, but would appreciate any help the Consumer Financial Protection Bureau can provide my family. Thanks in advance for your consideration in this matter and I look forward to hearing from you soon. I really need your 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 11-12-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: I deposited {$150.00} into a sole owner checking account and then they removed it from my joint account with my XXXX son. Huntington Bank ( XXXX supervisor ) filed a complaint internally with in the branch. I had purchased a money order which was lost. It returned to me via U.S. mail. I took the money order to the branch and they stated to deposit the money order. They then charged me {$10.00} for a return check fee. They reversed the {$10.00} fee but my {$150.00} is still missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The loan servicer is Great Lakes. On XX/XX/XXXX, I made a {$3000.00} payment on an account that is in a paid ahead status through XXXX. The account has five " tokens '' with a different balance that make up the total balance due on the ascount. I directed 100 % of the {$3000.00} payment to a specific token number on that account. However, not all of the {$3000.00} went towards that token ( it went towards other tokens too XXXX. I called Great Lakes and the representative and supervisor said that my payment was applied to satisfy my minimum monthly payment of {$740.00}, and the remainder went towards the specific token. But my minimum monthly payment is {$0.00} because I am in a paid ahead status ( I have been in a paid ahead status for well over two years on the account ). 

I can understand this to be the rule if the borrower is not in a paid ahead status, so in that case, the borrower would have to satisfy the monthly payment first before applying the rest of the money as he wishes. But when a borrower, like me, who has no minimum monthly payment and still can not apply my money as I wish is nothing but a penalty for paying early. It is a penalty because the {$740.00} first went to pay the interest of other tokens before the interest and principal on the token I applied it to. This means I can not satisfy more of the principal on the token I am targeting, which in effect, ends up costing me more money. Thus a penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I bank with Chase bank and had a grandfathered Checking premier account which consist of no maintenance fee for the past 13 years. In XXXX XXXX, 2015 I was given misinformation by a bank representative which resulted in my account being converted to a new Checking premier plus account with monthly fees after I was ensured that nothing would change on my account but the name of the account. I have contacted the bank to fix this and I am constantly getting the run around. Please assist me in getting my old account back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except XXXX, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you

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 12-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: Capital One Bank is being completely unreasonable. I was out of the country on XXXX separate occasions ( XXXX and XXXX ) and missed XXXX payments months apart. I had an average of {$15000.00} in my account during those months. The account had been open for a number of years and never late. 

I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with Optimum Outcomes. I have notified Optimum Outcomes account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 12-01-2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This was for a online class at XXXX XXXX University. I was unable to complete the class and with drew from same, The teacher I emailed with said dont worry about it, he will take care of it. Years later he no longer works there and the school refuses to honor it. All attempts to clear this up with the school and debt collector failed and they didnt care, just want the money. 

Well I noticed that i appeared on my credit bureau and in XX/XX/XXXX, so i disputed it. The credit bureau XXXX XXXX  removed it on XX/XX/XXXX. Well it happen to appear again. I have had no notification from Penn Credit that they were gon na be putting it back on my bureau, whihc as you know is a violation of the FCRA. On the XXXX report it was also removed but again reappeared.

Company response to consumer: Closed with explanation