milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have asked these companies to pull these reportings from my the bereau because they solicited my business after they told me that this would be a soft pull and said that it was only to look at the credit history even after i told them of a public record was on my file. I was decieved and think that the company should own their responsibility and remove it after one year as they told me. VERY DECEPTIVE!! 

XX/XX/2016 US BANK XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX WA 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 04/26/2016 about Credit card () with PAYPAL HOLDINGS INC. (ID).
Issue: Other

Complaint: I submitted and FDCPA debt validation request to PayPal Credit for debt validation on XX/XX/XXXX. The request had a 30 day time window on it, and was completely ignored by PayPal. I submitted the second letter requesting debt validation to XXXX on XX/XX/XXXX, and once again the request was willfully ignored. The agents in customer service are obviously outsourced and have no idea in the slightest what FDCPA even is. My requests have been willfully ignored and violated. I understand that I need to report these violations to the proper federal venues. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On or aroundXX/XX/XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XX/XX/XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within XXXX days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your XXXX disregard for 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 non-monetary relief
Consumer complaint received 07-01-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Although I took my daughter to XXXX, on XX/XX/XXXX we left his office before any service was provided due to lack of hygiene XXXX general bad hygiene practices and inappropriate office practices ( inappropriate magazines in the children 's waiting area ). Immediately following the experience, my XXXX insurance company suggested I file a complaint with the Virginia Department XXXX XXXX XXXX. The case number is XXXX. Although XXXX XXXX XXXX provided NO service at all, his office fraudulently charged my supplemental XXXX plan and collected money for service he did not provide. Additionally, he has been fraudulently billing me {$14.00}. When I received a collection letter from Transworld Systems , Inc on XX/XX/XXXX I immediately tried to call Transworld. I tried several times, but was disconnected when I opted to speak with a representative. When I received another letter dated XX/XX/XXXX I attempted several times, again, to reach a representative with Transworld. On XX/XX/XXXX, I finally gave up trying to reach Transworld, and I called XXXX office directly to dispute the validity of this charge. I spoke with XXXX XXXX and also XXXX XXXX. XXXX XXXX called me back shortly after I spoke with her on XX/XX/XXXX and indicated that XXXX XXXX XXXX would not be pursuing collection, however, today, I received another Transunion Statement dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax says my personal information was likely stolen in their recent hack. I never agreed to such a disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: After a period of financial difficulty, I received an offer from Wells Fargo for a loan modification to bring the account current and to lower the monthly payment. I needed to make a payment by the end of each month ( XXXX, XXXX and XXXX XXXX XXXX to qualify. To assure the payments were received by the last day of the month, I utilized XXXX 2-Day service. Apparently, the XXXX delivered the Priority Mail package with my XXXX payment XXXX weeks late! I did not know that this occurred until I received a letter XXXX from Wells Fargo stating the XXXX payment had not been received and that I was ousted from the Loan Modification plan. On the same day that letter was received from Wells Fargo, I received a letter from their attorney. I promptly replied to Wells Fargo and supplied documentation from XXXX showing the package was supposed to be delivered on XX/XX/XXXX, but did not arrive until XX/XX/XXXX! With that reply and documentation, I also included another payment for XX/XX/XXXX I believed that once Wells Fargo reviewed the documentation and saw that I attempted to make the XXXX payment on time and that XXXX mishandled the package, I would be placed back into the Loan Modification program. Unfortunately, today I received a letter returning the XXXX payment. I acted in good faith to make the trial payments as required. I believe that Wells Fargo should act in good faith, given the documentation and proof provided them, to continue the loan modification as originally offered.

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 01/13/2017 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Received a phone call from the 'federal student loan processing center ', voicemail left by a man name " XXXX '' and that I 'm eligible for a reduction in my student loans, an offer from the current administration. I did not speak to this person, only have a voice mail on my cell phone from phone # : XXXX. I have not and will not return the call, nor take the call if I 'm call upon again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My bank account was Levied from an account I have never had. XXXX XXXX The notice was from 2011 this was 7 years ago and not they levied my account. 

According to the Timed Barred Debt with the States Attorney Generals office this is uncollectible. 

I do not owe this debt. 

I never had an account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number has called nearly every day since I got my new phone. I have about 10 five second voicemails from them, all silent. I've answered once and they asked for someone named XXXX. I told them it isn't me but they still call every day. They're obviously looking for someone else, yet apparently don't believe it's not me. I've had this new number for all of two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TN).
Issue: Problems when you are unable to pay

Complaint: I have filed a previous complaint against carmax auto finance, they broke the law and aware of it but. Did not acknowledge it,, they called prior to the complaint and left messages and then called the same number multiple times each day, after they let. 

When I filed a complaint they stopped calling, they tagged my account with a XXXX which I did not request, just want them to be respectful when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (SD).
Issue: Account opening, closing, or management

Complaint: I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when I completed all offer requirements. I have received a confirmation letter from Citibank specifically addressed to me from Citibank that I have met all the requirements. In the letter sent on XXXX/XXXX/2016, Citibank stated that " Our records confirm your account met all criteria for promotion code XXXX. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle. '' However, I have not received AA XXXX bonus miles as of XXXX/XXXX/2016. During the waiting period, I have already paid a total of {$60.00} of monthly service fee to wait for the promised AA XXXX bonus miles. I wish Citibank honors her own promise written in the confirmation letter.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is unknown Wells Fargo credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Making/receiving payments, sending money

Complaint: I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. 
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. 
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. 
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. 
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. 
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Payment Where Being Made But The Correct Amount Deductions Were Not Coming Off Of The Student Loan Balance HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Payday loan () with Financial Credit Service, Inc. (TX).
Issue: Received a loan I didn't apply for

Complaint: I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: X/X/2017-XX/XX/17 Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.

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 12/16/2016 about Mortgage (FHA mortgage) with GMFS, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My home was flooded last XXXX 2016. I contacted my mortgage company - GMFS - and asked if I could get a deferment on my loan payment. They told me that they would give me 3 months ( XXXX, XXXX, XXXX ) where I would not have to make a payment and my next payment would be due on XXXX/XXXX/2016. They said that those 3 months would be tacked to the end of my mortgage. I received a letter from GMFS recently where they stated that I owe them payments for XXXX, XXXX, and XXXX 2016 plus my payment for XXXX 2016 totaling {$4900.00} and that this payment was due now. They threatened foreclosure so I paid the amount they asked for. I believe this to be wrong on their part but I paid the money to keep my home. If they had told me this up front I would have just continued to make my regular payments. I truly believe they lied to me or that their company representatives are grossly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: KeyBank sent me credit card convenience checks ( 0 % until XXXX 2019 ) with a slip attached to the checks stating Fee : None. The accompanying letter mentioned : " with a 0 % fee for transferred balances, you can use your checks to : ... travel and entertain ... write yourself a check .... '' And : " ... for a limited time only, you 'll enjoy our 0 % fee for transferred balances using these checks! '' There is no mention anywhere of a fee for using the checks to deposit cash into a checking account. On the reverse of the letter it states : " Is this ... subject to the terms and conditions of my cardmember agreement? A : Yes, except as otherwise described in this offer. 

The offer is clearly intended to mislead and make customers believe there is no fee for using the checks in any way. To be sure, I called KeyBank and was put on hold twice, and then told that the " no fee '' provision was only for transferred balances. I did not use the checks, have no damages, but am notifying the CFPB of this misleading offer. Let me know if you want me to scan documents to you. 

Also, please note that a XXXX search for Consumer Financial Protection Bureau resulted in a list, at the top of which are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. 

As it appears on my end if I have {$20.00} in my account, Wells Fargo will not posted my pending transactions until XXXX or so. So if a charge come in at {$22.00} at XXXX ( when I do not have the opportunity to make a deposit due to the time ) I am then charged with an {$35.00} overdraft fee. Surprisingly enough I have only noticed this ( close to close of business hold ) on transactions that will make my account overdraft. 

This year alone I have paid over {$700.00} due to these practices. When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account. 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.

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