milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Debt collection (Medical) with AR Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by AR Resources about a medical bill that I did not know existed. When I contacted the medical organization ( XXXX XXXX XXXX ), I realized that the invoice was wrong and I submitted a dispute. While the dispute was active my invoice was put on hold so the correct amount could be determined. 

About a month later I got another call from AR Resources saying that I owed the money. I told them that I had disputed the charges and the invoice/account was supposed to be on hold. 

He told me that the medical organization had contacted him 2 days earlier ( XXXX XXXX by email ) and told him that my dispute had been denied and that I owed the full amount. I was so confused as to why I had n't heard directly from the medical organization and I asked him why XXXX XXXX XXXX had n't let me know and why was I only hearing about the dispute being denied from him. 

He told me that XXXX XXXX XXXX would n't call me about the dispute because AR Resources was the point of contact on the issue. He told me they were going to put it on my credit in a couple of days if I did n't pay him. I could n't risk my credit getting damaged by this, so I paid him. 

I then called XXXX XXXX XXXX to ask them why they did n't contact me to tell me they had denied my dispute. They told me that my account was still on hold, nothing had been determined yet, and they had never contacted AR Resources saying the dispute was denied. They said they are n't allowed to talk to anyone about the rulings of my dispute except for me. They said they had it on record that they had contacted AR Resources to let them know the invoice/account was on hold and not currently due. 

AR Resources lied to me about how much was owed because at that point nothing was owed, my account was on hold until the invoice could be corrected. He lied to me about the dispute being denied. He lied to me about him being the only point of contact on the issue. And now I 've paid money on something that I have no idea the actual amount that 's due on it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I keep getting denied credit due to a bankruptcy that never happened, I asked everyone to remove but seems to stay, the bankruptcy was never completed and was cleared by a judge. They started to take payments from my checks for a chapter XXXX in XX/XX/XXXX, but I got sick from military injuries in XX/XX/XXXX and lost job and could no longer pay, so it was cancelled until I resubmitted, the Veterans administration owed me money so I have never refilled the bankruptcy, just ca n't pay do to injuries. So when I get paid from Government I will pay back creditors, or fill again completely, again I have paperwork showing judge cancelled and it is public record, but keep getting it on credit. Needs to come off as it has cost a XXXX veteran even more money by being slandered by credit companies. If they can find where i seek to file, they can find where it was cancelled. I would like to be paid damages from the situation as it has cost me many problems, and it is my right to receive damages if false information is entered and not corrected. If I filed and it was legal I could understand, but if they do n't take it off I will make sure it is reopened and make sure everything is included and all those people will loose money because the credit reporting companies do n't research thoroughly to find correct information, about {$50000.00} dollars, I think the companies would appreciate correct work. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX is blocking me from utilizing external applications to manage my account. I have the right 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 explanation
Consumer complaint received 07/13/2015 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE. 

Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties. 

Suntrust needs to be less greedy and more accommodating during this long awaited transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are accounts found on my credit report that I would like to dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of these accounts and they should be investigated

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 10-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: A XXXX Bank check was provided for start-up costs for XXXX. The funds were held as a balance by Chase Bankers. After four days, the {$2900.00} check sum was transferred to available balance ( ON HOLD ). On the XXXX of XXXX, the account was frozen ( ATM use, web sight transfers, and credit/debit card use ). I called the customer service Chase Bank department. The representative informed me that the check was returned by XXXX Bank as FRAUD. In stead of zeroing out the balance, stamping the check with fraud, and putting in the folder with the other XXXX fraudulent checks deposited by people, a human being at J P Morgan Chase Bank chose to attempt embezzlement of my funds : {$640.00}. They withdrew the check balance from the account. The account is still frozen. The funds for last and this month 's rent, which were from an life insurance account transfer, have been unlawfully seized!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: I have created debit cards for my teenage children. The debit card is NOT a credit card but simply a debit card account with no checks. Wells Fargo prevents them from overdrawing the account through ATM machines and certain charges like at stores but allows charges from the internet to go through even though the balance is not there which results in {$15.00} charges for each occurrence, even if the occurrence is {$5.00}. This was discussed with them on multiple occasions where they assure me it wont happen but does. 

This in no way is reasonable, they have all the technical capability in the world and are simply perpetuating overdraft fees based on old methods of writing " hot '' checks. Its simple, if the funds are n't there, then the card wo n't work. They cant say they ca n't do it because they check it at the ATM and they check credit balances preventing transactions from going through. The fact is they are ALLOWING the DEBIT card to act as though its a CREDIT card with no credit limit, this is just wrong on so many levels and another example of how they fleece the XXXX Public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A copy of this letter was sent to IQ Data International requesting for the fifth time to remove the negative credit reporting to XXXX, XXXX, and XXXX  due to an improper serve disputed in court and the case was dismissed and granted in my favor. 

XX/XX/XXXX IQ Data International, Inc Attn : XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Acct # XXXX XXXX XXXX : This is my fifth verbal or written request to IQ Data International requesting to remove collection debt {$4100.00} on my account connected to Case # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vs.  XXXX XXXX. This case was dismissed on XX/XX/XXXX at the Plaintiff/Petitioner representing the Landing at XXXX XXXX connected to this case filed in XX/XX/XXXX 

After legal consultation on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the Law firm representing the Plaintiff and Creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was contacted to immediate resolve the default and judgment debit. 

This negative credit reporting has hindered me from obtaining housing in all of California, without good cause, therefore, slandering my reputation as a good tenant because of an improper serve after seven and half years of tenancy at XXXX XXXX XXXX XXXX XXXX. 

This has been already disputed with Experian, Equifax, and Transunion to remove this collection in XX/XX/XXXX and prior numerous times. 

If this collection is not removed off my credit reports immediate, I will pursue with legal counsel representation to sue under the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act for Civil restitution allotted under the laws. The validity of the collection is connected to this case. 

Please find attached the Court Request For Dismissal from the Law Firm representing the Plaintiff and letter to the law firm. 

Is IQ Data International , Inc., above the federal laws ; that this agency does not have to abide by the federal laws? 

Respectfully, XXXX XXXX XXXX XXXX, XXXX 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 10/17/2017 about Debt collection (Other debt) with CITIBANK, N.A. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I need some of the debet application takeing offf my account

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 11/24/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, XXXX XXXX and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. XXXX refused on XX/XX/XXXX to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. 
Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no reason to accept either the target or the XXXX XXXX ; I think it is irresponsible to issue the flat credit card that are more easily faked. 
I expect the CFPB to at least ask or direct Target and XXXX to give customer or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use both methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I called XXXX XXXX XXXX and asked them if they could set up an impound account for the property taxes only. I asked them to pay the delinquent taxes before the default date of XX/XX/XXXX. They sent me a proposed contract which I did not sign because it increased my monthly payment by {$1700.00}. I called XXXX XXXX County Treasurer and Tax Collector ( XXXX ) on XX/XX/XXXX and they said the 2nd installment had not been paid. I sent a check that day. I called Nationstar and told them I had not signed the impound account proposal and had paid the taxes myself. She told me that if I did not sign, then there would be no impound account. 

Apparently Nationstar did send a payment to XXXX, and it arrived before my payment. I sent a check for {$3800.00} to Nationstar on XX/XX/XXXX noting that it was for reimbursement of it 's payment to XXXX. After some delay they finally applied it as a repayment. 

The problem is they are saying that the DOT alows them to impose unilaterally, an impound account. They are mistaken. The federal law in the cited in the DOT is superseded by CA state law. That law requires 2 consecutive tax payment to be delinquent. This did not happen. 

I engaged an attorney to advise me on the law. I do not want to sue for damages, but XXXX XXXX XXXX d/b/a Mr. Cooper will not respond by phone or letter. They do continue to threaten me with foreclosure and even sent a XXXX XXXX property inspector to our door. He had been told by Mr. Cooper that the property was unoccupied. I do n't even have a XXXX XXXX loan!! 

This brings up the question of, why are they are trying to force me into an impound account. My attorney thinks it may be part of a larger plan to force other mortgages they are servicing into impound accounts. This makes sense since they are trying to collect way more funds than is necessary to pay the taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: CALL TO GET FORENSIC AUDIT AND " FULL VALIDATION '' AND NO RESPONSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 've checked my credit report and Jefferson capital have a debt that I have no knowledge of.

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 02/27/2018 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: Information belongs to someone else

Complaint: On XX/XX/XXXX, a credit card with XXXX XXXX was opened up using my information. 
My ex-husband opened this account using my information and I never authorized him to do so. 

Upon finding out about the existence of this account, on XX/XX/XXXX, I requested that this account be closed.

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 12/19/2016 about Credit card () with TD BANK US HOLDING COMPANY (SC).
Issue: Other

Complaint: I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is XXXX XXXX. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have any therefore these inquireies have to be removed from my credit report immediately. If American Credit Acceptance continues to use delay tactics and knowingly and willingly not comply I will seek legal council and action. There dereliction of duty has resulted in a negative impact on my Credit Worthiness and credit score causing great distress..

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This is in to ref # XXXX my XXXX complaint against Equifax filed with you XXXX XXXX. On XXXX XXXX, XXXX Equifax choose to contact me ( consumer ) instead of reporting to you ; sending me an email of a investigation ( basically no changes to my report ; attachment ), when in fact I did not contact them ; I contacted The CFPB. Then to add salt, Equifax waits till the deadline to request an additional 30 days to reinvestigate. 
It appears to me someone is playing games. Especially, enlighten of this security breach of information cover-up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo will not fax paper work to me or another mortgage company. I have been trying for over a month to get paper work that Well Fargo has on my XXXX Mortgage. We have called everyday for XXXX weeks and have faxed everything they have asked for. But they will not give me information about me to me! Is this covered under the Freedom of Information Act. I can, t get my own info. how is this legal. I am trying to get a new loan for my house but Wells Fargo will not help at all. This is a contract between them and me and they are withholding this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is showing XXXXXXXX 90 days late anXXXX XXXXXXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted Transunion they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late 90/120 and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with XXXX XXXX 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I spoke with  XXXX  representatives from  Chase Auto Finance  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  Chase  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from Chase showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company response to consumer: Closed with explanation