milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to Experian and XXXX XXXX at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all XXXX bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.

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 01/30/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop  receiving this call daily, some times several times a day

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus Experion, XXXX, and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Payday loan () with Enova International, Inc. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I had been taking out a payday loan with CashNet USA for a few months. After repaying my loan and signing in to reborrow, I did n't see the option of my original payday loan, only the " new '' option of a Line of Credit. I was approved. The payments were set up to draft from my account monthly. The first payment was roughly {$240.00}. However, the following payments were just down right ridiculous. Ranging from $ XXXX- {$800.00}!! That 's more than ALL of my monthly expenses combined! And to top it off, the line of credit gains interest DAILY. My balance is the same that it was when I was initially approved for the loan. It does n't seem like there is a way out! I feel like I am a victim of predatory lending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Diversified Consultants, Inc claiming to have taken over an XXXX XXXX XXXX XXXX debt with. The letter is dated XXXX promising to commence collection efforts in 30 days. Efforts were made to collect this debt that does n't belong to me before. XXXX XXXX XXXX said the have no record of this debt. I am no longer a client of XXXX XXXX XXXX and paid all outstanding bills. I initiated a dispute of this debt when it appeared on my credit report under XXXX and it was resolved and removed. This is a scam mow

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They refuse to put my debt in dispute. Second they keep sending me bills I owe it. I have never ever received any correspondence from them at all except pay the bill. They refused to give me the information at. firs of their client. They keep lying to me like they are the hospital or medical center. I asked if they are a collection agency they will play games and say they are. They refuse to correspondence with a attorney and lied to her saying that they are the medical company. I will file suit this week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with STERLING JEWELERS, INC. (OH).
Issue: Credit card protection / Debt protection

Complaint: I was walking through the XXXX XXXX in XXXX, Ohio and was passing by the Kay Jewelers store. A Kay Jewelers employee asked me as I passed if I was XXXX. I said I am XXXX. She said she needed only XXXX signatures that day to meet her goal and would I help her? I have goals at work too so I thought I would help. She said it was a newsletter and I would be getting something in the mail soon. She said she needed to ask me a few questions and was typing information on a tablet. Apparently, she was signing me up for a credit card as I got XXXX in the mail and my credit report showed I had a inquiry and a new account. I had no idea that she was doing this. Not once did she mention a credit card. I have n't ever had a credit card so I did n't realize that this was n't a newsletter but a credit card. Also, I have no one to buy jewelry for and I do not wear any myself so this would be the last place I would apply to get credit. I am very upset at my credit being affected and being lied to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XXXX XXXX refunded money to my checking account at Wells Fargo. I checked my account and {$5000.00} instead of {$500.00} was deposited. I was told to get XXXX XXXX gift cards to refund them their money, I did.These transactions continued because they claim mistakes were made in removing viruses. On XX/XX/XXXX deposits were posted of {$4000.00}, {$5000.00}, {$35000.00}, {$5000.00}. Of the online transfers {$4000.00} came from my savings account. I was not aware that these transfers were from my accounts I thought it was from XXXX XXXX because they told me when they made the transfers and I did check my checking account to see if the money was there. I went to the branch and withdrew {$5000.00} twice to purchase gift cards to give XXXX XXXX the numbers from the cards of which I do have in my possession. XX/XX/XXXX I discovered {$4000.00} missing from savings, I immediately went to a Wells Fargo branch and discovered these transactions and filed a fraud report. I was told that since I withdrew the money from my checking there in nothing Wells Fargo can do and the investigation is finished. Wells has ongoing account monitoring and if an online transaction looks suspicious it will be denied. I have never transfered money from my credit card to checking and I have only transfered money from savings to checking twice in the sum of {$300.00} each time. I feel as if these transactions should have been suspicious and denied by Wells Fargo. I could have just purchased the gift cards with my credit card and avoided the transfer fees if I was using my own money.

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 10/21/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Application, originator, mortgage broker

Complaint: Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. 
I contacted XXXX and the rep says there is no record of any request from Suntrust. 
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On  XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard  XXXX   XXXX  for purchasing an  XXXX  laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated  XX/XX/XXXX  for {$550.00} and one dated  XX/XX/XXXX  for {$270.00}. My plan was to pay {$270.00} on  XX/XX/XXXX  and the remaining balance ( approximately {$270.00}  ) b efore  XX/XX/XXXX . On  XX/XX/XXXX  I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager,  XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance.  XXXX  was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after  XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I  still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement  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 12/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2007 my wife and I took a 30 year mortgage against our home from Wells Fargo Bank the loan was originated in an " off site '' office location. My credit was very poor my wife 's credit was very strong the agent advised us to use my income as my wife 's income we questioned this, he said we would be fine it 's done all the time. The interest rate is 7.95 % APR we are struggling financially. We were told by an attorney to reach out to the CFPB for support as he felt he falsified loan application at an offsite location may be something that needs to be addressed

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 01/14/2018 about Debt collection (Other debt) with American First Finance, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (FHA mortgage) with Nu World Title, LLC (FL).
Issue: Settlement process and costs

Complaint: LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 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: Public record information inaccurate

Complaint: There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. 

Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.

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 05/24/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am filing a complaint against California Business Bureau, XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX, phone : XXXX. After I have paid my balance with this agency back in 2014, I was promised verbally over the phone that they will remove the report on the XXXX major credit bureaus and that they will send me a deletion letter so I could follow up myself through. Up to this date, they have not mailed me the letter and they have refused to removed the record on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!

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 06/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I use  XXXX  to file my taxes. I mistakenly left my old checking account information from  Chase as  the account to deposit the refund in. I have not had a refund for many years, so until now, this problem has not surfaced. I tried to alert the IRS about this problem but they informed me that I needed to contact my financial institution.  <P/> The ACH was made on or around   XXXX   XXXX   XXXX     in the amount of {$950.00}.  <P/> I contacted  Chase  on   XXXX   XXXX   XXXX     and they were able to locate the ACH. They instructed me to call back during business hours and provided me a number to reach the ACH department.  <P/> I called back on   XXXX   XXXX   and spoke to another customer service representative and then a supervisor. They were not even able to locate my closed account this time ( based on my SSN ) and instructed me to reach back out to the IRS ( creating an infinite loop ). They have apparently lost my account information. They claim that I never had a checking account. I told them I was looking at a check from my old checking account and they responded patronizingly that it must be a cashier 's check or something. They were also not able to locate the ACH transaction this time, even though they were able to last time. They are holding the money and I have no way of getting to it.  <P/> I included  two  attachments : an old check from my checking account and the  XXXX  printout that shows the ACH information with their routing number. The  two  account numbers do n't match ( I 'm not sure why ), but the routing number is clearly a Chase number. I also included a third attachment that shows the status from the IRS.  <P/> NB : The initial refund amount was for {$1100.00}, but there was a deduction, bringing it to {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Trouble during payment process

Complaint: We paid off our mortgage on X/XX/2017 and the lien has still not been released. {$210000.00} was wired to XXXX XXXX from XXXX XXXX on that date. We have notification that the payment was received. We have called the people at XXXX XXXX numerous times and they 've assured us that they were working on the problem. All promise-no action.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with AMERICAN EXPRESS COMPANY (NY).
Issue: Confusing or misleading advertising or marketing

Complaint: i have an issue with transit checks i purchased ssisary t checks and they were damaged I 'm just attempting to get reimbursed so i could get the money i invested returned ... ... 
from there this is an issue i had before .. i reported the issue through the consumer finance protection bureau and I 'm unaware of the relevance with them sending money to an account of mine with response stating i could be reimbursed the first time due to when the distance was exceptionally unexceptible ... 
i would want to see if you could locate the difference with the companie i purchased the vouchers ( transit checks ) from innitially to inquire if thats been done already as well if applicability would equate if the money could of been sent to due to my request if ever not a check due to my inability to refferiance my original response due to an email issue as well traveling I 've been unable to as well refferiance the account i would of before canceling the money transfer to so with that stated i would like for you to get the information regarding the card number ..do too a prepaid refillable american express card ... as well expiration date with code ... my email has been encripted before would even a phone number be possible.. the componie i purchased was XXXX .... XXXX NewYork XXXX ... 
social security card number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.

Company response to consumer: Closed with explanation