milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection 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 05/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Billing disputes

Complaint: I was reviewing my American Express bill online today, and I noticed a charge fromLost Wallet Protector for {$39.00} - 1 year fee. I was suspicious and contacteda representative, who stated that I had been enrolled in the insurance programsince XXXX of XXXX. Then stated that I would have to contact the Lost Wallet Ins. 
Dept. to cancel my enrollment. I was enraged, because this was an issue that I haddealt with back in XXXX or XXXX with American Express, I had previous contactedthis Lost Wallet Ins. Dept., and asked them to cancel my enrollment and refundmy money since XXXX. To learn that this insurance was not canceled and thatI was still being charged annually {$39.00} for something I NEVER AUTHORIZED orsigned up for - I have health insurance and Life insurance I have absolutely noneed for this Insurance Protector by Lost Wallet. This is a scam and no XXXX isrefunding my money from XXXX XXXX to present. I want my money back andAmerican Express to cease enrolling me in a program I DO NOT WISH tobe a part of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I first got moved from XXXX XXXX to Navient, they lead me to believe that a sub-prime loan was the only option that I had. Since I graduated from college in 2012, my loans have almost increased over 30 percent. I recently received an interest addition of more than $ 10K for the last year. I feel that I was railroaded and made to believe that this was the only option I had to better myself. I now have almost $ 80K in loans from navient. The way the loan was structured and the amount of the interest the loan adds, never gave me a chance to be able to pay off this loan. This loan was given to me with the sheer intent to make me pay more interest on an already unmanageable loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with PNC Bank N.A. (SC).
Issue: Problems caused by my funds being low

Complaint: I am unemployed. I had a payment that should not have been processed. I had already informed that vendor that the funds were not available for payment when my balance was {$56.00}. 
The payment {$140.00} processed by the bank anyway. My account balance was already low and now I now have an overdraft of {$200.00} that I can not pay due to being unemployed. They are charging me an additional {$7.00} for each day that the account remain negative. That is unfair practice against the account holder. 
Then when I ca n't pay the overdraft, then I will be reported to check systems.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently applied for a mortgage and have found that on my Equifax report there is a paid off  XXXX  's account reporting as a charge off and showing li ke 26 late pa yments. This was paid off in  XXXX  of    2013 o r so and is showing I owe {$160.00}. I have tried multiple times to contact their retention and renewal department only to get an anwsering machine and never a call back. I just want it to either come off my report or show the status and payments etc correctly.

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 CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I've contacted XXXX 's on several different occasions attempting to resolve an issue regarding a payment they are reporting as " LATE '' on my credit report! I have also sent certified letters demanding they delete the late payment or provide me with proof/verification that my payment was late in the past. They failed to do so, and they have been very unhelpful in this whole process.

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 12-05-2016 about Bank account or service (Cashing a check without an account) with TD BANK US HOLDING COMPANY (SC).
Issue: Making/receiving payments, sending money

Complaint: I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is TD BANK XXXX XXXX the only XXXX there.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (CT).
Issue: Problem with customer service

Complaint: I purchased 2 money orders from western union. The retailer printed the 2 money orders with MT PAYEE printed in the Payee section. I explained the purpose of the money orders, to pay for a mortgage, and the XXXX XXXX XXXX XXXX CT employee stated that the money orders " printed that way ". Furthermore he stated to just write the bank name next to MT Payee. This information is false and has possibly cost me my home. I was in a mortgage modification trial period and now will be late because of this error by the retailer. Western Union said it is 6 to 8 weeks until they will process my refund. This is unacceptable. money order numbers : XXXX - {$1000.00} XXXX {$910.00} I spoke with XXXX of CT Banking Dept

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (WA).
Issue: Managing the loan or lease

Complaint: Auto loan was different from the price agreed upon. 
Lost track of many payments, reported to credit bureau of " late payments '' and involuntary repo although I surrendered my car to them and have n't missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/XXXX. I have called Experian several times. 

1. On XX/XX/XXXX, I sent a handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/XXXX, I sent another handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

3. On XX/XX/XXXX, I sent a third handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

4. On XX/XX/XXXX, I sent a typed letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 3 handwritten letters and one type notarized letter ( all certified mail ) disputing incorrect addresses on my credit report and Experian has failed to delete the addresses.

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 07-01-2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Mortgage (Other mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir or Madam, I am writing to file a complaint against Third Federal Savings & Loan Bank in XXXX, OH. For years, Third Federal wrongly reported an item on my credit report after a version of a short sale in XX/XX/XXXX, which caused me financial harm due to incorrect reporting on my credit report for years. In XXXX XXXX, the bank reduced the interest on the repayment agreement with no initial explanation and that caused me to look back at this whole situation. 
Several realtors have said that my case was one of the first short sales in XXXX in XXXX and once more regulations were passed my situation would never have been handled as a short sale. 
How was my case handled? XX/XX/XXXX, Third Federal converted the {$20000.00} deficit after the short sale to a promissory note at 5 percent interest, which I have been paying on for seven years. Yet, Third Federal reported this as a charge-off on my credit report, when not one penny was charged off. To date, I have paid {$11000.00}. As of XXXX XXXX, the balance due was {$9200.00}. I have continued making the monthly payments. 
The credit report inaccuracies have cost me more than {$10000.00} in interest and higher insurance premiums, as well as immeasurable stress as I struggled to get a new job and buy a new home in the face of the negative information on my credit report. In light of what Third Federal has cost me financially, I asked Third Federal in XXXX XXXX to erase the remainder of the {$9000.00} balance. Third Federal declined. The bank said it had already reduced the interest rate earlier this year, even though this move preceded my request to reduce the balance and had nothing to do with the bank 's admitted errors and the financial harm the bank has caused me. Interestingly, no one at Third Federal will give me an in-depth explanation into why it reduced my interest rate without a request from me. 
I gladly accepted this interest rate reduction, which the bank says it initiated because I 'm a good customer. But this still does not address the financial harm done to me as a result of the bank 's mistakes. 
That 's why I 'm writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Firstsource Advantage, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation debt collection sending paperwork that are not mine hippa violation i sent all bureaus the police 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 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got a letter from experian credit company letting me know that someone had hacked XXXX system stilling information like Social Security date of birth so for that happening they offered me free identity theft I have not had a phone since XX/XX/XXXX XX/XX/XXXX through XXXX but someone has tried to get a phone of XX/XX/XXXX in my name they also tried again in XX/XX/XXXX XXXX bill is for {$490.00} the other bill is for {$2200.00} and this is not me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Seattle Service Bureau, Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I owe a certain amount that I understand is to be paid and In good faith I am willing to take responsibility for my actions. I was properly notified about my debt owed in an ordered manner, what I did not agree on is the aggressive action took apon me of suspending my license if I do n't pay that same day of phone call without a warning or a letter notifying me the legal action. I was already trying to find income as far as getting a job to pay back my debt and was letting the agency know that I do not have money at the money at moment, I received a phone call from someone saying I owe XXXX that same day and if I do n't pay it he will suspend my license. I am XXXX XXXX months XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX, I am also borderline XX/XX/XXXX which means I have XXXX XXXX XXXX and I am in n out of the hospital on top of everything happening to me and my life being at steak with myXX/XX/XXXX XXXX I am convinced to call my attorney and take this to court for stress and risking my XXXX XXXX life due to my stress. On top of that I am unemployed, have no car and I am a single mother living from home to home due to instability of support and financial reasons, I have absolutely no money in my bank account that I had to cancel my account. With that being stated I do n't agree with my license being put on hold for various reasons. How am I supposed to get a job with no license? How am I supposed to go to my doctor visits for my child and I and for the XX/XX/XXXX that I am going to have? I had respectfully told your agent that in good faith I will find money somehow that I do not have too atleast not suspend my license because that 's not the correct way of collecting. The collector did not sympathize with me at all did n't even let me talk once and if I did he said he did n't care about the situation and he 's still going to keep my license suspended. I need to take legal actions for myself and child when I do have a job or income I will pay back my debt but as of right now I have no options I 'm practically homeless need help myself to even have a burger how am I going to come u with XXXX. The collector 's name is XXXX XXXX. I hate to throw anyone under the bus but I am struggling to eve find a warm bed to sleep in at times I have a XXXX year old with me as well and I bend over backwards to make her happy and feed her with no money, while I sometimes starve which is n't good at all. All I want is patience and security that I know I will find some stability and handle this situation properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: birth year is wrong, i was born in   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 WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern,
  
  I am having significant trouble with the customer service of Wells Fargo & Company ("WFC") and having even more trouble with WFC recognizing my consumer rights.
  
  By way of background, WFC has been reporting a number of false records to my credit report, including but not limited to reporting my living address as   XXXX   XXXX   XXXX   XXXX   as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB, OCC, and other regulators concerning illegal marketing practices of WFC.
  
  To follow up on my previous concerns, WFC claims that their current submissions to my credit report abide by the Fair Credit Reporting Act ("FCRA") but nothing could be further from the truth. Indeed, WFC has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and     XXXX   are not only not supported but also conflict with each other - raising serious concerns as to what information WFC is reporting on consumers and what process they use to verify that information.
  
  For my personal situation,  XXXX  reports that a WE EFC loan with an amount of  XXXX  was opened on      XXXX   XXXX   XXXX     . However,    XXXX    reports a similar, although not identical loan of   XXXX     wa  s opened on     XXXX   XXXX   XXXX    .
  
  I would like to know, why WFC company is reporting similarly looking loans with conflicting information and produce a detailed report of how WFC reports "open dates" and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.
  
  The above instance of conflicting information is just one example, I would like WFC to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.

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 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I made two purchases with mybestbuy credit card. I have been having difficulty making payments for several reasons : 1. I do not know when a payment is due.
2. I can not log on the website to view the balance of my credit card statement, see purchases I have made, or make payments. 

I have contacted BestBuy and resolved the issue of not being able to log onto the website. The same issue has returned again. I am now being charged a late fee due to the fact of not being able to make payments on time because of technical erros on their side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Payday loan debt) with Global Trust Management LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.

Company response to consumer: Closed with explanation