milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred numerous Overdraft and Non Sufficient Funds fees. 

Overdraft fees in the amount of {$35.00} occurred on the following dates : XX/XX/XXXX for a transaction in the amount of {$0.00} XX/XX/XXXX for a transaction in the amount of {$0.00} XX/XX/XXXX for a transaction in the amount of {$9.00} XX/XX/XXXX for a transaction in the amount of {$41.00} XX/XX/XXXX for a transaction in the amount of {$1.00} Subsequently, these 5 overdraft fees ( 5 x {$35.00} = {$170.00} ) caused Non Sufficient Funds fees in the amount of {$35.00}. 

XX/XX/XXXX Non Sufficient Fund Fee Total Fees incurred total {$210.00}

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 07/28/2017 about Debt collection (Medical debt) with I.C. System, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Violated HIPPA law on a d ebt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off. 
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account. 
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts. 

*** I have communicated through attorneys to resolve this matter and XXXX XXXX  has refused to comply and show account information and signed contracts. ***

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

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 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is illegally reporting a medical collection account for XXXX XXXX that was never validated per Fair Debt Collections Practices Act. I was never contacted and I have asked for a complete accounting of the debt but they have failed to respond. Experian should have some checks and balances to ensure that a creditor has in fact obeyed the law before allowing them to report a negative mark.

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 05-04-2015 about Credit reporting () with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Mortgage note sold multiple time, note was discharged in Chapter XXXX Federal Court beforeCarrington Mortgage acquired it and should have never reported this as negative information on me or my wife 's credit reports, the original note holder XXXX XXXX did that during Bankruptcy. This is causing XXXX extra negative item and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had paid off my Nordstrom account in    2014  at the  XXXX   XXXX  located at  XXXX , Virginia. After several months had past  Nordstrom  closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to  Nordstrom  at the  XXXX   XXXX  in  XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom  credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been trying to work with Wells Fargo Bank on a loan modification on my primary residence located at XXXX XXXX XXXX in XXXX CA. I want to keep the home so I 've been trying to get this modification approved since XX/XX/XXXX ( please see attached letter from my attorney for the complete timeline ) and I have a had to start the process multiple times to have Wells asking for more, and more information. XX/XX/XXXX I started the process again, they keep doing the same thing ( see attached letters dated XX/XX/XXXX and XX/XX/XXXX ) asking for more information then telling me I was declined, then asking me to reapply again. During this time, Well Fargo 's been reporting me past due on my XXXX credit reports, which is their Home Preservation Specialists is who told me to stop paying my mortgage so they could look at processing a loan modification. 
This problem with Wells Fargo Bank over the past four years is now affecting my credit, which is causing problems with my business XXXX XXXX XXXX XXXX XXXX in getting the credit request it needs to stay in business. Please consider this issues as soon as possible.

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 07-05-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: I received a letter dated XXXX XXXX, 2016 from Citizens Bank in regards to a deposit discrepancy. The letter stated that Citizens Bank credited my account {$49.00} to correct the discrepancy, however, no details, date, or specific information was provided as an explanation. In fact, the letter was very elusive as to why, when and how the discrepancy was caused or detected at an unnamed later date. I called the number on the letter XXXX asking for an accounting or date and reason for the discrepancy - the issue was escaladed to a supervisor, but no one had any specifics as to why, when or how the discrepancy occurred. I would ask that the CFPB inquire and investigate this discrepancy at Citizens Bank to see if any additional discrepancies are in need of crediting to my and other account and / or other account holders at Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.

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 04-06-2017 about Consumer Loan (Installment loan) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Problems when you are unable to pay

Complaint: This is an agency calling for a Medical emergency debt They have my cell phone and been calling my work number everyday harassing me .When I comforted them they were rude and hanged up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am writing bc I graduated in XX/XX/2005 with combined Federal and Private loans thru XXXX totaling around XXXX XXXX Upon starting payments they wanted me topay around {$1000.00}. a month at which the time I could not afford. We went back and forth and they said there was nothing they could do for me so they kept issuing forebearance. Finally they gave me a plan in which I could afford where they explained it would be interest only payments for so long then it would start going towards the principal. Well I have been making payments at first around XXXX and now they 've been around XXXX $ a month for the past XXXX years but I have been paying consistently since I 've graduated in XX/XX/2005. My grand total is now {$100000.00}. that I owe!! I called to see how I am ever supposed to get my total down if theyre charging me interest upon interest at the back end of the loan. Their answer was start doubling up on your payments. But at this point if theyre charging me interest on the back end no monies are going toward anything. I will be retiring owing more than I graduated in XX/XX/2005 owing. Something does not seem right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 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: On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.

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 11/20/2016 about Credit card () with U.S. BANCORP (OR).
Issue: Credit line increase/decrease

Complaint: RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. 
Elan rejected it, because it caused my credit limit to be exceeded. 
Understood. 
However .... 
After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. 
They would n't even allow me to do that! 
I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. 
BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. 
So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. 
I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. 
I ca n't even begin to describe how rude and disrespectful they were to me. 
Thanks for your 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
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: receivables management sv c is reporting false information to all  XXXX  credit bureaus. they are attempting to collect for services I never had. credit reporting amount of {$590.00} that I do not owe. I have reached out for a debt validation and gave them 30 days to respond but I never heard anything back.

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 08/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery another XXXX agency like XXXX and others who have been fined millions, probably the same, XXXX XXXX XXXX XXXX, is charging me for a debt I do n't even know about. The bank is not even in existence. How can you charge on a debt from a bank that does n't exist? I want this {$500.00} and something removed from my credit report, all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Closing/Cancelling account

Complaint: Over the last 5 to 10 years I have XXXX credit cards that eventually were bought out by Synchrony Bank. I had one account that was closed that I have had open and current for over 5 years and the other for 1 year. Payments were to Rooms to Go, HH Gregg and Belk were always paid on time and or paid in full. The accounts were closed without my knowledge and without reasoning. Again I always make on time payments and due to this fact it hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.

Company response to consumer: Closed with explanation