milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Bank failed to make the annual payment for homeowner 's insurance, despite proper funds in my escrow account and all payments being current. The insurer cancelled the policy due to the bank 's non-payment. I was never informed of this until 90 days had passed and PNC placed forced coverage insurance on my mortgage. I have acquired new homeowner 's insurance. Because I am deemed high-risk due to PNC 's non-payment, my insurance premium rose significantly.

Company response to consumer: Closed
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to remove dispute remarks from my Experian credit report. I have XXXX accounts with XXXX Student Loans which I am not disputing. I have informed both XXXX and Experian I am not disputing them but neither claims the ability to remove the remarks. I have XXXX XXXX XXXX. of XXXX student loans that have dispute remarks. I have contacted both Experian and XXXX XXXX XXXX XXXX and informed them I am not disputing the accounts. Neither one claims the ability to remove the dispute remarks from the accounts.

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 02-06-2017 about Debt collection (Medical) with Stevens Business Service, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called XXXX XXXX XXXX on XXXX. They show no accounts in collections at Stevens Business Services. However, XXXX is showing XXXX accounts in collections from XXXX XXXX, XX/XX/XXXX still open. 
Accounts do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I 've had a Southwest credit card with Chase for several years now. When I opened the account I was told there would be no annual fee yet I 've just discovered that they have charged me a {$99.00} annual fee three times ( since 2015 ) without my knowledge or consent. When I contacted them after realizing this I was told that the fee for the first year was " waived '' and that they will not waive or refund the fees. This is classic bait and switch and a clear violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help me, I have disputed previously a couple things with Transunion, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 02/22/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: I received an email explaining my credit was reviewed after i told the broker not to contonue after discovering my credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: yes my dad open a military star card in my name with out my promission I try to tell them it was my dad who did it but they are still trying to make me pay it they say I 'm reliable cause my dad used my social security number but the paper they sent me of the account show none of my signature it show my dad and his ex wife my ex step mother the bill keep going up and I not reliable for it cause I 'm not the one who open it and I never knew it was open until I check my credit I try to dispruting but they would n't let me when none of the signature are my that was use when using the card and I was told that if I do n't pay it they will take my tax return and I wont see a penny back from it this need to stop I should have to pay something that I did n't do and this is a military a government program for a shop on XXXX XXXX and XXXX bases so why is the government try to take money from me that I do n't owe them I did nothing wrong and this is unfair plz help me

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 10/17/2017 about Student loan (Private student loan) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The complaint is regarding how the company accepts payments. Ever since XXXX XXXX bought out my loan earlier this year, I have been dealing with the servicing company American Education Services ( AES ). Each month I call to make payment, AES employs strong-arm tactics to try to force me into giving them my banking account and routing number. 

I continue to be told, every month, that they will accept my banking account and routing numbers as the only form of payment. Each time they conclude our transaction by reminding me that they will allow the " courtesy '' of a debit, only after being transferred to a number of gatekeepers who all try to dissuade me or deveieve me that debit is not an option. I deal with this every month that I call. 

I was told today, by AES, that " this is how we 've always done it '' when it comes to accepting payments strictly through banking routing numbers. This is a dubious explanation as debit is clearly possible. I have also been told by a supervisor that they actively discourage debit because it costs them money to process payments this way. I 'm not sympathetic as this is the year XXXX and I would like to conduct my business- as I do with countless other merchants and vendors- and use my debit card. 

I have told AES that I can not and will not provide them my banking details, yet they will not accept this explanation each month I call.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Taking out the loan or lease

Complaint: I 've made 24 payments of {$490.00} to my auto loan. As of today only {$430.00} has been applied to the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo Complaint Wells Fargo continually and intentionally charges my account for unnecessary and fraudulent fees. On XX/XX/2017, at XXXX my checking account had a balance of {$4.00} and I made a cash deposit of {$1100.00}. A little after 2 hours after the deposit was made, the bank intentionally put my account into a negative balance and charged my account an overdraft fees. This similar incident has happened numerous times. 
On XX/XX/2017, after requesting an explanation about the unauthorized fees, a representative at the bank XXXX XXXX XXXX was very disrespectful towards me raising her voice and screaming at me during the time of the discussion. She indicated that the bank will not reverse any fees because this is how the bank makes its money. She went as far as sending for a branch manager XXXX XXXX XXXX XXXX to speak on the bank 's behalf and he also indicated that this is the bank 's policies.

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 03-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been struggling with my mortgage payments, and applied for loan modification, back in XX/XX/XXXX.I was sent a package to resubmit back to mortgage holder, providing current information on income, expenses and desired options. The mortgage holder keeps on requesting the same income information that was previously provided and insist on delaying procedure to underwriter. HUD Counselor has take the approach that there is no standard or guideline to delays and stall tactics being used in the decision process rather a wait and see.I think from XX/XX/XXXX to XX/XX/XXXX is more than enough time to give a reasonable respond for an application.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap.

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 08/18/2016 about Debt collection (I do not know) with Financial Credit Network Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am XXXX years, XXXX, and XXXX. A debt collection company sent me a notice in XXXX 2016 claiming a debt of {$510.00} without any explanation. I send a letter to the debt collector within 30 days demanding the debt collection company produce all the documents and evidence of the claimed debt. Instead of providing the documents to verify the claim, the debt collection company reported the {$510.00} claim to all reporting agencies. I demand an immediate withdrawal of the unlawful credit bureau reporting without producing documentation demanded to verify any claim of {$510.00} being owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Im on XXXX and having a tough time making financially. I saw the CashNet commercial and applied for a {$250.00} loan. I was approved and when paid back they sent a message saying I could apply for a {$2600.00} loan. Rent was due and I was desperate so I applied. They sent me a message saying I was approved and they were putting the money in my account. They sent me a document packet with a promissory note. When I open the document for the first time I was given the terms. They are charging me a total of {$8000.00}. The interest rate is 189.13 %. How is this legal? Shouldnt I have been give this info upfront so I could have decided if I wanted to do business with them. I would think people applying for Pay Day loans are experiencing some type of financial hardship and this company is taking advantage of them. Is there anything that can be done about this predatory behavior? My rent takes up half of my XXXX check. After paying back CashNet I only have about a fourth of my monthly income to buy food, pay utilities, pay for medical and insurance, buy gas, etc. Had I known upfront CashNet did people this way I would have never applied for a loan with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: This morning I logged into the Experian website to lift my security freeze. I lifted it from today XX/XX/18 through Friday XX/XX/18. I was curious if it actually lifted this time as in past times they charge me but don't lift the freeze. I got a confirmation - see attached, I then looked at my credit card statement and they charged me to lift the freeze - see attached. My bank called me about 6 hours later and stated they still can not view my credit report as it is still locked. I spent an hour on hold ( yet again ) calling several different numbers, but still Experians excuse for customer service, refused to even answer the phone. I've been defrauded of money. They have purposely and willfully stolen money from me and refused to provide a service for what I have paid. Due to their malfeasance, I have lost a business opportunity and a loan. I should hire an attorney and sue them

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 12/18/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX I have a mortgage with Citi mortgage account # is XXXX for a house on XXXX XXXX XXXX XXXX md XXXX. 
" We are pursuing a short sale and have a good solid offer close to the lender 's valuation. We have submitted the offer to the bank but they are not responding to our inquiries on the pending value dispute ( we have tried to contact them at least 8 times without response ). We feel as though the lender is acting in bad faith by engaging in lender delay to frustrate the sale. '' We just where trying to do the right thing but feel like citimortgage is not. Please help us look in on this please. 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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Medical) with AmeriCollect (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Open in XXXX closed in XXXX balance {$12000.00} keep changing complained numerous of times still no results, was offered to settle in XXXX for {$1600.00} was a great offer just did n't have the money now the company is reporting ever month to the credit bureaus and the amount is increasing but yet the acct. is closed and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside a  XXXX   XXXX   XXXX   XXXX    XXXX , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX    XXXX    ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED MY INFOR AS I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the SSN is matching. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.
Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX    {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the Legal Permissible Purpose to access my credit report and under FCRA can be disputed through the credit bureau. It is then the companys responsibility to prove permissible purpose i.e. Inquiry for credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.
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Inquires Number Thereof   XXXX   XXXX    XXXX    XXXX     XXXX     XXXX   XXXX       XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX       XXXX     XXXX      XXXX      XXXX     XXXX    XXXX    XXXX    XXXX     XXXX   XXXX      XXXX        XXXX   XXXX      XXXX      XXXX   XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX     XXXX   XXXX    XXXX    XXXX   XXXX     XXXX      XXXX     XXXX     XXXX   XXXX   XXXX     XXXX       XXXX   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 02/18/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. 

The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. 

C/O XXXX Account Claims # 's XXXX,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