milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Debt collection (I do not know) with OCWEN LOAN SERVICING LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt belongs to my ex-husband ( divorced 18 years ). He died on XXXX XXXX, 2016, therefore, he has not been paying his bills, because he is dead. 
I have explained to these people XXXX separate times, that I have nothing to do with my dead ex-husbands debts. I know they did an internet search for a related phone number and they focused on mine, as I am the only XXXX with a landline. My name nor phone number was never on his account, as he continued on with his life independently of myself. 
I have also told these people that, I am on the " Do NOT Call '' list and, they need to remove my phone number from their call list, especially since I had nothing to do with my ex-husband 's finances. They have refused to remove my number " unless an authorized person states it should be removed ''. I told them Good Luck with that, unless they can communicate with the dead. My dead ex-husband being the only authorized person on this account. 
I have also told these people XXXX that, his adult children will fax his death certificate to them, this Monday, XXXX XXXX, 2016, when they return to work. They continue to incessantly ring my phone and disturb my right to peace.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had to paid XXXX XXXX XXXX and open a new account I had a {$57.00} balance on my account with XXXX XXXX XXXX ; I had XXXX XXXX XXXX for about two years ago. I had stopped the service for a while and then started back up, but they said I needed to pay the {$57.00}. I paid it directly to XXXX XXXX XXXX, but I was still getting notices from I.C. System Inc. saying that I owed this amount. This information was removed from XXXX, but not from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and XXXX inaccurate information on my credit violation of cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I set up a payment of XXXX - the statement balance - to be paid on XX/XX/XXXX prior to the due date for the statement. I confirmed that this payment was set up more than once. I am sure of this as I was closely watching my XX/XX/XXXX spending and went into the site to verify the amount and date of payment for my personal spreadsheet tracker. The website did not pay the amount. I also did not receive notifications about the account being due as I had previously set up and received in the past. I have sent multiple messages about the XXXX interest and XXXX late fee and how it should be removed. The website regularly does not work - I have had issues trying to download statements or make payments.

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 10-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: They lied about speaking with me and put lies into my " file '' stating i oked things i never did or stating they spoke to me and never did. They charged me additional " interest '' on the already high interest that i paid. i sent my payments to the address that was given on the payment coupons and apparently the computers do n't link together because every month they would call harassing me about being late.

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 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Im so tired of going back and forth. Someone is garnishing my social security. the notice said the funds are going to navient. I have XXXX loans that are defaulted. They are not with XXXX. I logged into the website and I see XXXX with XXXX, yet my garnishment states its going to navient. XXXX said they re not garnishing my check but someone is. Well navient called me XX/XX/XXXX to tell me I was 21 days past due and owed XXXX payment for my total loan of XXXX. I called them 2 months ago and left messages and I also applied for IBR over 30 days ago. She said my loan was 21 days past due and how did I want to make that payment. And then guess what after 14 years of deferement and forbearance just when I thought that was over they offered it to me again and never discussed my IBR application which I sent all the info in and have not heard anything. I am sure they could care less about helping me now after 14 years as they are getting my social security. so now I am in deferrment again and i am trying to get it all figured out and then they offer no help at all. they did not even have record of my IBR application that I got an email stating they had received. LOL

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I check My credit report weekly. I have found that Equifax has a XXXX account # XXXX XXXX XXXX XXXX reporting the amount owed at {$620.00} as of XXXX XXXX 2015. {$620.00} is the incorrect amount. Since this amount reporting is incorrect it should be deleted from my credit report as per FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following creditors and Transunion have been and are reporting inaccurate information on my credit report. The following creditors and Transunion have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Transunion and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Transunion and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Transunion nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Certified mail sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. The following creditors and inquiries should be deleted immediately are : Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX Date : XX/XX/XXXX Creditor Name : Transunion - XXXX XXXX XXXX XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

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 10/27/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CT).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by Citi to refinance my mortgage and told that they could use the documents from my HELOC that close 2 weeks before. Without highlighting or asking permission, XXXX XXXX, pulled our credit. He then informed us that our credit score was below the allowed score to qualify for the lower refi rate. This was a complete bait and switch since there was no mention of needing to qualify to be eligible fore the lower rate that he quoted us. He also never asked permission or mentioned that he was going to pull our credit. Even worse, we have since learned that Citi pulled our credit twice without approval. Once on XX/XX/XXXX and again on XX/XX/XXXX. We want to file a formal complaint about the bait and switch tactics and pulling our credit twice without permission. Obviously credit needs to be pulled for a mortgage, but it was highlighted that they would use our documents from the recent HELOC that was closed 2 weeks before.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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: Notified Capitol One that I was charged {$30.00} for an order placed with XXXX XXXX. 

I indicated that I did not receive the merchandise ordered and requested a credit to my account in the amount of {$30.00}. 

I was issued a temporary credit. 

However, several days later I received a letter from Capitol One with two ( 2 ) pages of questions, including The reason for my dispute -- -I had already done this A detailed description of what merchandise I ordered -- -what difference does this make, I did not receive it Why was the merchant unable to provide the merchandise -- -How am I supposed to know this Describe the merchants return policy -- -not applicable, I did not receive anything to return In addition, there were several other questions. 

Capitol One 's practices are far different than any of the other credit cards I deal with. 

With any other credit card once I dispute the charge and give a reason, the credit card company then submits this information to the credit card company, and they have a certain amount of time to respond or the temporary credit is made permanent. 

Why should I be incovenienced to provide all of this addiitonal information when it is most likely had my original dispute been forwarded to the merchant, they would not have disputed it and I would have been issued a permanent credit. 

The reason is clear, it is to put the burden of proof on me rather than the merchant. 

I am requesting a response from Capitol One

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with them. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau/equifax and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit. Equifax did not do enough to prove that this was not my debt and it was done maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: We found Fraud transaction ( XX/XX/XXXX ) {$2300.00} on Business account of Chase bank. 
We did cliam ( # XXXX ) to Chase bank and they said they ca n't distpute because it 's already over XXXX hours. 

XXXX XXXX is take out the money from our account. 

The bleow information is for Fraud transaction. 
XXXX/XXXX/2015 {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID :XXXXThis is unahtorized transaction. 
How can we get back the money?

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Aadditional payments on my student loans are not being applied to my principle balance, but rather only being applied to interest, therefor my balance has not dropped. In 2016 I paid over {$5700.00} in interest, however my balance has dropped less then {$1000.00}. ( 2016 beginning balance approximately XXXX ending balance approximately XXXX. ) I can provide financial statements to show payments and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX of XXXX I submitted a consolidation application and selected XXXX as my loan servicer. At the time all but XXXX of my loans were being serviced by XXXX. Those XXXX were being serviced by ACS. XXXX processed the application and they tell me that they sent payment to ACS on XXXX XXXX, XXXX. ACS has informed me that they transferred my loans to XXXX on XXXX XXXX, XXXX. XXXX now says that those XXXX loans are in repayment and have not been paid. XXXX tells me that they have not received the returned payment they made to ACS and can not, therefore, proceed with the payment to XXXX. ACS informed me today that they received payment from ACS but because the loan was already transferred to XXXX they returned the payment, but that they show that it was returned to XXXX XXXX Servicing, with whom I have never had an account. They tell me they will investigate but I was told on XXXX XXXX by a XXXX representative that they would investigate and take care of the situation. I 've been waiting for almost a month but the consolidation has not been completed I am repeated told by all XXXX servicers, XXXX, ACS, and XXXX that they are waiting on something from the others and it will be taken care of if I 'm patient. But that 's simply not true and it would never have made it to this point without my persistence.

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. 

I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. 

I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. 

I believe fraud has been committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Credit card protection / Debt protection

Complaint: I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. 
The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.

Company response to consumer: Closed with monetary relief