milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Well my XXXX year old XXXX son figured out how to log onmy XXXX  account on XX/XX/XXXX and buying XXXX at {$12.00} plus XXXX at XXXX plus XXXX for XXXX XXXX I contacted XXXX several occassions. i also contactedmy bank on XXXX/XXXX/17 to be told theywere still processing cannotdo anything to dispute it. then on XXXX/XXXX/2017 i contactedmy bank bank of america to dispute the charges as they were not authorized by me and did not know they happened until i got an email from XXXX. Also my bank accessed me {$100.00} in over draft charges. I filed a dispute with claims department at XXXX XXXX our time on XXXX/XXXX/2017.I was told that she give me a temporary credit on my acount for the XXXX transactions and theover draft fees. Well two hours later i called back to talk toa supervisor of my bank in claims to be told that they will not credit back the transactions unti ten business days later and the overdarft fees another three to five business days after that. thisis not right as it was an unauthorized purchase and should have been credited right away after the dispute was filed. i do not appreciate being lied to as first lady in claims said she was working on the credits back right then only mention of the ten days was that i get a letter sign it send it back to the bank. This is very unacceptable not to give me temprary credit for the transactions and the over draft fees as it was done by my minor XXXX son without my knowledge or permission. This is unacceptable to not help me with this situation and lie to me. Not happy at all.

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 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The inquiries were not listed on my credit report on XXXX XXXX when I just recently checked my credit report they were reinserted on my credit report in addition I was not notified 5 days prior to them being reinserted back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have 3 loans with Navient totaling XXXX originally. I have been denied consolidation several times. I am now adding up what Ive paid over the years and it adds up to just over XXXX dollars with still barely a dent in the principal amounts. This seems criminal to me, and I cant get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. 

This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Credit decision / Underwriting

Complaint: I applied for and completed a home modification program ( Home Affordable ). My mortgage was sold from XXXX XXXX XXXX to Di-Tech. Upon completion of the modification program, I received a letter from XXXX XXXX XXXX explaining to me that since I completed the program in good standing without missing a payment, they were awarding me {$4000.00} to be applied to the principal of my mortgage loan. Once Di-Tech bought the mortgage loan from XXXX XXXX XXXX, they ( Di-tech ) decided that I did NOT qualify for the {$4000.00} and advised me in a letter that they were taking that money and that I was no longer eligible for it. I called Ditech to inquire how they came up with their reason that I did not qualify for the {$4000.00}. They said I had missed a payment back XX/XX/2012, therefore rendering me unqualified. After speaking to Ditech, I immediately called XXXX XXXX XXXX who in fact verified that there has never been a payment missed or even late. I have NEVER missed or been late on a mortgage payment in 49 years of owning my home. My daughter wrote a letter to Ditech along with the proof that the payments were all made and all I 'm getting is " we need more time '' explaining that they can not find a discrepancy. If I can get that {$4000.00} applied back to the principal of my home, I will be able to refinance and bring my payments back down to where I can afford them. Since Ditech took my mortgage from XXXX XXXX XXXX, my payments have steadily gone from XXXX to XXXX. I am XXXX yrs old and a widow, and live on a fixed income. I feel strongly that they are scamming me in order to keep the money that was issued to me by the Dept of U.S. Treasury. I have the letter from them awarding me the money. Please help me get the money back that I have coming to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am filling a complaint once again because Chase keeps prolonging my loan. I have filed a complaint on XXXX/XXXX/2016 with the CFPB. However my concerns have not been properly addressed by Chase. I was told by my assigned specialist XXXX XXXX that my loan was not eligible for a modification I questioned him why in the decision packet, my wives income was not considered.Chase has my monthly income of {$0.00}. This is not acceptable because I provided my chase bank statements for proof and my wife 's pay stubs. However Chase refuses to review my loan with my current income. At this point I will be force to involve the FDIC and my Attorney General XXXX XXXX so they can start an investigation against Chase. I am tired of the excuses Chase keeps giving me I am falling more behind instead of them trying to find a resolution so I can start making my mortgage payments. Again, they are not providing me with a reasonable explanation as to why they are using {$0.00} income. This is against my rights and they are not giving me a fair review. I could have been assisted already, but in every review they keep using {$00.00} income. I just want a logical explanation and I can provide any proof of income. My wife works XXXX, why would a XXXX lie that she works there? she has even given the mortgage company permission to call and verify her employment, but they continue to deny us. I need help and hopefully they provide a reasonable explanation through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On ThursdayXX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XXXX of XXXX, I tried to apply for a card at 0 % interest for 18 months from my bank, Wells Fargo in order to set up a new office for my business. I got the run-around for weeks because they insisted the address on my account did not match the address with the XXXX. Finally, they offered to resolve this by giving me {$10000.00} XXXX XXXX at 0 % on my already-established WF credit card for 18 months. This seemed to solve my need so I agreed. For the past 2 months I have noticed significant interest charges on this card ( over $ XXXX for a total now of over {$600.00}. ) While I had been making additional purchases with the card ( beyond the {$10000.00} @ 0 % ) I had also been making large payments to cover the new charges, along with the minimum payment for the {$10000.00} cash advance. I could n't understand why I was getting charged so much interest so I contacted their customer service. According to them, and unbeknowst to me, they had been dividing my monthly payments ( somehow?! ) towards both my new charges AND the {$10000.00} ( which was supposed to be @ 0 % for 18 mo ) rather than applying my monthly towards the higher interest ( new ) charges as well as the minimum payment on the {$10000.00} cash advance. Essentially, now, four months into my 18 months of 0 % interest, they are claiming that I have paid off close to {$9000.00} of the balance that was at 0 %, while meanwhile my accruing new charges in the amount of close to {$15000.00}. It seems incredibly unethical and deceptive for a bank to take it upon themselves to apply portions of payments to a lower-interest-rate-balance when there are higher-interest-rate charges to be paid. This was not disclosed to me and to this day I do now know how they are calculating which percentage of my payments are being applied towards the 0 % cash advance. When I spoke with them on Monday, they insisted there was nothing that could be done.

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 08-08-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In XXXX of last year I moved out of the XXXX XXXX XXXX XXXX after living there for 2 years. I was consistent in paying on time every month. However in XX/XX/XXXX I received a move out balance of {$720.00} that I did not agree was owed. It included a late rent of {$200.00} dollars and I did n't even live there in the month of XXXX. I spoke to the property manager stating when I would bring In XX/XX/XXXX rent for those 5 or 6 days and she said ok. I left this apartment in the same condition as the apartment I moved into before I moved in the one left from and had not additonal charges for clean up of carpet or cleaning of stove. I requested the bill and pictures for the cleaning of the carpet and stove but never received. at the end of XX/XX/XXXX I lost my job and advised the property mananger that I would be will to pay but at the time was unemployed and was struggling paying the rent where I had recently moved. When I called back in XX/XX/XXXX/XX/XX/XXXX when I became employed again, hoping to resolve, I was told they sent it to a collection agency and i 've been attempting to get it resolved since. They have not sent the verification of debt and the 3rd party collection company that they sent it to National Credit Systems no longer takes my calls or responds to my letters but they are the ones still reporting the debt to the credit bureaus but refuse to talk with me. They sent it to an attorneys office and I 've asked them to verify and they sent me documents for another person named XXXX XXXX that live in a totally different state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.

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 03-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
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 received a bill from XXXX XXXX for in XX/XX/XXXX. I have have had a XXXX XXXX card for 12 years. I had not used the XXXX XXXX Card since XX/XX/XXXX because I was using an XXXX   Credit Card for all purchases under the XXXX Brand. 

I reviewed the charge and called Customer Service to report a fraudulent charge and request new cards. They took my information and mailed new cards. I then began receiving phone calls saying that my account was overdue. When I tried to access the account it reported a zero balance. 


I then called customer service to report this. They said that there had been a mistake and I never should have received collection calls. And that my account was still under review. 

I then received another bill iwth interest and fee charges attached to the initial charge. 
When I called customer service and complained that I had requested the charge be reviewed she said that they were going to continue to charge my card fees in case I was lying about the charge. Since then I have been receiving collection calls 10 times a day about this fraudulent unresolved charge. I have heard nothing from XXXX XXXX. I have a balance on My XXXX card that will be transferred and I will never shop at a XXXX XXXX store again. Help!!!!!!

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 06/29/2015 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX from Harris and Harris located at XXXX XXXX XXXX in XXXX called my daughters phone number about 3 weeks ago. My daughter has developed medical issue dealing with her XXXX in the last year. Last summer she went to XXXX XXXX for emergency care. They never asked for her information but sent a bill. I am the insurance holder so I submitted my insurance information. Earlier this year another representative from Harris and Harris called me. I explained that the {$950.00} bill was inaccurate as XXXX never submitted it to my insurance and never sent payment reminders. I also said this should not be a case of collections. This representative apparently did submit the insurance information BUT we still never received a bill. Three weeks ago XXXX called my daughter who is not the insurance holder and told her if she did n't give her money over the phone this would go against her credit. My daughter asked her to send us a bill after explaining the situation. XXXX repeatedly said that she had to pay money on the spot or this would go against HER record. I am tired of medical companies billing practices. This is not the first bill that has fallen into the cracks and has appeared a year later. We simply asked XXXX to send us a bill through XXXX as this is NOT a collection issue and she refused. I did receive a bill BUT through the collection agency. I have paid many other medical bills for my daughter. There is no reason why I would n't pay his one. Medical companies should be required to bill consumers accurately within 30 days of a service and follow up on a monthly basis before sending bills to collections. Since this situation is a billing issue with XXXX it should not eve be handled through any collections agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX XXXX - XXXX EXPERIAN - 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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Northwest Recovery Solutions Inc (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation