milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to XXXX XXXX on XX/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documents. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the Credit Bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The only reason i knew of this debt was in existence was when my bank account took a hit and was marked frozen. I was never contacted or pursued. They sued me in Nj. I was informed it was a XXXX account from XXXX acquired by them in XXXX. I was told that XXXX was a client of theirs and i would have to prove a case of identity theft and submit an affidavit of fraud, a police report, and proof or residency from XXXX - XXXX. I feel im being put trough a wild goose chase to prove this is not my debt. I have not lived in the state of Nj since XXXX. I find it is nearly impossible to provide such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous Estate administrator to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate Administrator for my sister who passed away XX/XX/XXXX. Upon my sisters death the Vermont probate court appointed my Mother as the administrator of my sisters Estate and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the Estate administrator. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as administrator on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed administrator and XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets. 

Estate of XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My problem is with Stellar Recovery,  XXXX , MT In th  e last year, I disputed and had removed, an old collection account they had inserted in my credit report with  XXXX  of the  XXXX  credit reporting agencies.
In the last 30 days, the item that had preciously been delete  d suddenly was re-inserted again and showed up in my   XXXX   and   XXXX   credit reports.     I did not receive any notification of this action or a chance to dispute said item.   I immediately initiated a dispute with both reporting agencies.     It is my understanding that re-insertion of an already deleted item is counter to the existing consumer laws and that at least, they must removed it immediately, and at   best, I may be entitled to compensation for the breach.
I would like to register a formal complain against Stellar Recovery for their recent a  ctions

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this agency has ignored its duties and the law by refusing to correct the wrongs herein after notice and documentation for years. after hiring XXXX and the removal of XXXX items fabricated on my credit this agency still continues some of these wrongs. it appears this agency has an understanding with the banks to do this to make them money and to retaliate with clients for enforcing rights regarding bogas statements i did not pay a legitimate bill.. 
there are XXXX fabrications now. one is the charge off by XXXX. for services never received. this was retaliation for enforcing right not to pay for services i did not receive known by said company and after notice to bureau. the next is a charge for services by XXXX. for materials never received they said i did not return XXXX and for XXXX false claimed bill owed at address i never lived at and otherwise never owed and this account was started by XXXX. by misrepresentation and never complying with the contractual agreement they false advertised on t.v. further they did not provide services when stoped working and later charged for enforcing rights retaliation as the false credit report for XXXX dollars. the debt collection agency further can not to date tell me the details their clients claim as to what happened from the start and thus report not caring of the truth of the matter as the bureau who compounded same after notice. the bureau now as a result of the fabrications compound same by reducing my credit for maxing credit card and making loan applications directly caused by denials of credit from these wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease

Complaint: Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (VT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested. 
I think this speaks volumes to the incompetence of this financial institution. 
When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past. 
The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do. 
I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAVE BEEN RECEIVEING MULTIPPLE PHONE CALLS EVERY DAY AT DIFFERENT TIMES FROM A COMPANY NAMED CONVERGENT OUTSOURSING. THEY ARE ATTEPTING TO COLLECT {$260.00} FROM A XXXX ACCOUNT I CLOSED LAST YEAR. I DO NOT OWE THIS MONEY. I CALLED XXXX AND ASKED THEM TO SEND ME A COPY OF THE INVOICE THAY ALLEGE I OWE BUT THEY NEVER SENT ME ANYTHING. ON XX/XX/XXXX CONVERGENT OUTSOURSING REPORTED THIS DEBT ACCOUNT TO XXXX CREDIT BUREAU, WHICH MADE MY CREDIT SCORE GO DOWN CONSIDERABLY.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. mishandled personal information including my name, social security number, birthdate, address, and driver 's license number. I verified my data were affected by using the Equifax website at www.equifaxsecurity2017.com ( screenshot attached ).
Equifax Inc. has put me and millions of others at increased risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is not applying over-payments to my principal despite being directed to do so. I have been making all my extra payments on the highest interest loan. According to their policy they will continue to advance the due date on this loan indefinitely unless I request otherwise. I have routinely indicated that payment should be made to the the principal and not advanced, but they have consistently done the opposite. I call every month to have them remedy this, and they note that I have indeed directed them to apply the payment to the principal. On my latest call after much pressure, the representative stated that this would be a recurring issue as I am in the IBR ( income based repayment ) program and that I would just have to call each month to fix. When pushed to clarify if this was just an issue with my account or a known issue with all accounts wishing to apply over-payment to principal, the representative did additional research and found that it was a known issue with other accounts as well. 

This causes additional interest to accrue on my student loans and benefits Navient. I find it hard to believe that a company responsible for handling billions in student loans is unable to fix this issue in a timely manner. I am wasting an hour every month on the phone trying to work this out. Now knowing that it is not a one time issue and that it is effecting other people trying to make repayments ( some of whom may not be catching the issue ) it seems like an issue that CFPB should look into.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX   XXXX ,    2017  at around  XXXX  central time a woman named  XXXX   from   Medical Revenue Services ( MRS ) contacted my employer. She stated that she was from MRS and needed to talk to me about some business. My boss stated that sh e was rude and gave me the number. I called and told them not to contact my employer because it was against the law. I will contact an attorney if it continues.

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 04-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Application, originator, mortgage broker

Complaint: We recently refinanced w ith Wells Fargo, within the last 6 months. They were the holder of our  mortgage and we refinanced with them to get a lower rate and shorter term. We decided to go with them because we were told we would receive a {$500.00} gift card (   XXXX   or  XXXX  - the representative couldnt ' remember which  XXXX  ). Our refinancing was completed several months ago, but even after multiple follow-ups we have not received any gift card/certificate. The rep who helped us refi will not return any calls. We recently sent an email to customer service and have yet to hear a response. Please help us in getting some answers on if there even was a gift card offer and if so, how can we obtain it.

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 11/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: This is in dispute of my Case number : XXXX. I am not disputing Chase 's closure of my account. I am disputing whether or not Chase has the authority to require the writer of the check who is not related to Chase ( his bank is XXXX XXXX Bank ) to physically appear at a Chase location with me, in order for me to to receive the {$3500.00} that Chase has already been paid by XXXX and is still holding in their suspense account for the past four months. Can Chase arbitrarily hold funds and require the writer from a third party bank to appear at a Chase location to present his/her identification? If this is not arbitrary, then what was the basis of Chase 's decision to do this? It certainly appears either predatory against smaller banks, or possibly discriminatory against the person presenting the check to the teller at Chase ( as discussed in initial complaint, check was written and cashed into my account by XXXX XXXX, a signer on the account ).

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 EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (TX).
Issue: Trouble during payment process

Complaint: I have an investment property. Initially the bank said based on the federal requirements I must escrow the taxes and insurance - based on certain requirements. However - last couple of months the same bank has been hounding me to refinance - specifically saying that if I do, buying some points, and go through the entire refinancing process - which is about {$5000.00} in closing costs, PLUS the points I have to pay, they can remove the escrow. 

The interest rate difference is and the cost is burdensome for me. I have satisfied all the rules to remove the escrow requirements. The bank is refusing the remove the escrow requirements siting the law - however - the law doesn't say if you refinance the escrow can be removed. 

When I question it - they are being very vague and in cooperative and have been made to run around in numerous phone calls and email exchanges. 

The bank is being unreasonable in their requirements - without adequately explaining. either they are violating the law - or squeezing the consumers to spend money by selling points. To sell these points for {$1000.00} they are making the consumers spend over {$5000.00} in closing costs

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with Wells Fargo I keep getting letters that my real estate taxes are not paid. I have written a hard copy complaint, and sent back their email. I have XXXX letters and XXXX emails from Wells Fargo in the past 3 weeks on the same subject. I pulled my canceled checks and see that my real estate taxes are paid. What gives Wells Fargo?

Company response to consumer: Closed with explanation