milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX  balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this debt with the company several times requesting documentation to prove I owe this debt and have never been provided any information. I did not contract this debt nor have I seen any proof otherwise. My fourth and final dispute requesting proof of debt was sent to the company  on   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Removal of unauthorized inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XX/XX/XXXXFraud alert was placed XX/XX/XXXXon Transunion Credit Report XXXX Transunion refuses to remove inquiries. Please delete.

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 04/25/2017 about Debt collection (Other debt) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Enhanced Recovery placed a collection account on my credit report prior to giving me a notice of my right to dispute, prior to reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I requested XXXX to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed XXXX that they could pick it up any time. They declined. XXXX then turned my credit information over to a collection agency who placed a collection on my credit bureau. I contacted both XXXX and AFNI Inc. regarding this report on my credit informing both agencies that I dispute this debt. They have refused to remove it from my credit report which has dropped from an XXXX FICO score to a XXXX. If they would like to attempt to obtain a civil judgment to collect this debt, I would welcome my day in court. Until that day, I have requested that they remove this stain from my otherwise perfect credit bureau and stop their harassment as they attempt to collect money for a service which they could not deliver and equipment which they were unwilling to come and retrieve.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: RE : XXXXXXXXThere is a real problem with your system because CFPB does not provide any means to communicate with the agency for an ongoing complaint. This is a response regarding a communication from Wells Fargo for the above referenced complaint. 

Wells Fargo is once again lying by stating that it has not been able to contact me. In fact, I spoke with their representative on XXXX occasions since filing the complaint and have been in constant contact with the single point of contact. In the conversation with their executive office representative, he indicated that he could do nothing but review documents from the modification. They refuse to do anything to address their years long refusal to refinance this XXXX mortgage and repeated attempt to force me into short selling my home even when the XXXX mortgage is current and the owner of that mortgage has no interest in foreclosure. 

Someone from CFPB needs to actually step in here as this has been going on now for over a year. I have yet to see the agency do anything more than pass complaints on to Wells Fargo. Where is the consumer protection here? 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX separate credit accounts which were sold to third party law firms then I was sued, received judgments, and BOTH were eventually vacated AND discontinued by the court system, as they were never proven to be my accounts in the first place. 'Chase/ XXXX ' XXXX sold to 'XXXX ', and XXXX ' is listed under the same name. Experian is not listing them as 'public records ', however the original accounts are still listed, and as 'seriously delinquent ' when they should be completely 'deleted ' ; as with the other XXXX bureaus which have done so successfully. I sent Experian the certificates of disposition from the court, via USPS certified mail, and received my return receipt, yet no response via mail. I followed up online yet the form would not allow me to submit 'proof ', so I followed up with a phone call at which point I was able to upload proof. I received my finalized dispute results via e-mail, listing both accounts as still 'remaining ' on my report, with no explanation.

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 07-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Santander sent me my first bill last week. I have been attempting to pay it ever since. The bill strongly urges you to go online, and set up your account to manage your account and pay your bill. I have tried every day, several times to set up my account. The site keeps saying they can not find my account and to call the company. I have called several times. All I get is a recording stating that I should go online to pay my bill. No one ever answers the phone. I am unable to pay my bill because of the company 's deceptive and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Accounts & Advisers Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.

Company response to consumer: Closed
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.

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 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute and investigation is for TransUnion Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. TransUnion has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with TransUnion that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. TransUnion also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX TransUnion reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can TransUnion not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed TransUnion keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

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 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a XXXX XXXX card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: The whole crux of the matter is this : I was charged fees for something that should not have incurred fees. I believe in being responsible for my actions, but it goes both ways. The bank is to be held responsible as well. I was " tricked '' into thinking that my payment was made, when the bank actually had n't. 

On XXXX,XX/XX/XXXX, I deposited {$27.00} in cash into my checking account via ATM. I setup up my credit card payment ( XXXX XXXX ) to be paid the following day. It is understood that these payments take a few days to process. 

On XXXX morning (XX/XX/XXXX), I logged into my account and noticed the fee had not been taken out yet. On XXXX afternoon, I logged in, and noticed that the {$27.00} WAS NOT IN MY ACCOUNT ANY LONGER. 

At this point, I proceed to make a few small overdrafts at or under {$5.00} using my debit card, as is allowed per my overdraft choices. 

On the afternoon of XXXX,XX/XX/XXXX, I went to the ATM to deposit {$14.00}, the amount needed to bring my account over zero within the time allowed. When I looked at my receipt, I saw to my amazement that a XXXX overdraft fee was charged on XXXX  for my payment! 

I deposited the money. I setup the payment. The payment was removed. How could I be charged a fee? 

On the late afternoon of XXXX, XXXX XXXX, I put a message into the bank 's secure message center online. On XXXX,XX/XX/XXXX, I logged in to see that not only had they not responded to my message yet, but ANOTHER FEE WAS ADDED. This {$30.00} fee is for an extended overdraft situation. 
I sent an additional message about this fee. They refused to respond, for whatever reason. 

I finally called in on XXXX, XX/XX/XXXX. I spoke to a customer service representative who listened to my situation, which was an abbreviated version of the first five paragraphs above. She finally agreed to remove the first fee. I protested, because the fees were related. But for the fact I was charged the first fee, I would not have had the second fee tacked on later. I asked to be put through to speak to someone higher up. 

The supervisor/manager was very knowledgeable and professional, and made an extremely detailed explanation of the posting order of transactions. I re-explained my situation. She finally said that they only do one courtesy fee removal a year. I responded that I see both fees as bank errors, and not courtesies. I even counter-offered with them removing one as a bank error, and the other as a courtesy. She declined on behalf of Citizen 's Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I went to XXXX from XXXX XXXX, 2016 until XXXX XXXX, 2016. While I was in XXXX, there were XXXX charges to my Bank of America credit card in XXXX California ( {$150.00} on XXXX XXXX, 2016 and {$100.00} on XXXX XXXX, 2016 ). There were no other authorized users for that credit card, and I had it in my possession during the entire time I was in XXXX. So, there is no way that I could have been responsible for those charges. 
I filed two disputes for the charges, and Bank of America denied my claims twice even after I submitted documentation showing that I was in XXXX during those dates ( boarding passes, hotel bill, metro transactions, and sales receipts ).

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 06-03-2015 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a call from someone who identified themselves a from " Healthcare collections. '' They asked for personal information that I refused to give. When I asked for more information, they hung up on me. I checked their phone number ( XXXX ) with the Better Business Bureau and XXXX and nothing came up. I do n't believe that I have any outstanding medical debts, but if I do, I want to pay them. This, however, sounds shady and I wonder if it 's a scam. If it is a scam, someone else may fall prey to them. 

Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called Equifax,  XXXX , and   XXXX   to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer calle d each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have a personal school loan in the amount of {$36000.00} with Sallie Mae. Sallie Mae has charged me late fees because i have been latte with payments because I am not able to make the current payments. Sallie Mae has never contacted me directly. They have only called my co-signer with an automatied system. Because of Sallie Mae negligence. Sallie Mae reported my loans to the credit reporting companies as defaulting. So now they have ruined my credit rating and my co-signers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with SUNTRUST BANKS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My Chapter  XXXX  Bankruptcy was  discharged   XXXX   XXXX ,  2017  including a debt of  XXXX  from SunTrust Bank. However  XXXX ,  XXXX  dropped my case oveer my complaint with the   XXXX   XXXX    and  submitted  XXXX  electronic payments to a closed account with SunTrust. After numerous letters and visits to SunTrust branches in  XXXX   XXXX ,    2017  I received a letter from SunTru st Recovery Dept. than king me for the payment and demanding an additional {$700.00}. This whole account was discharged  XXXX   XXXX ,  2017  and SunTrust received proper notice from  XXXX  and my new attorney. The electronic payments from  XXXX  to SunTrust were an error. I never paid any monies to SunTrust and do not owe any further amounts to SunTrust I have all the   XXXX   XXXX    info rmation and the numerous letters to SunTrust. The last call I received from the SunTru st Recovery Dept state d that they would not return the money ... .period.

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 09-06-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the " waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.

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