milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i got a random bill for a service i never received for almost {$400.00}. all that happened was i asked how long the wait was and got told 6 hours so i went elsewhere because i had an accidental overdue due to misprescription from a doctor. i never got seen, i never got a service yet they insist i owe 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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several fraudulent unauthorized inquiries on my experian credit report and i have contacted customer support numerous times to resolve this, they have failed to help me get this fraudulent inquiries that were not authorized by me off my experian credit report, XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/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 12/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Financial credit network is reporting false information to the credit reporting agencies. They state I opened and incurred a debt of {$100.00} ( XXXX dollars ) in XX/XX/XXXX. The last transaction made on this account was well before XX/XX/XXXX. I want all incorrect information removed from my account ; such as, the false opening date ; as this might negatively impact my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion recently sent me my Credit Report on XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The following inquiries were and are being disputed : XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Please note that for some of the mentioned disputes listed above have been disputed with XXXX & XXXX and removed.Transunion has not complied FCRA.

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 11-12-2016 about Debt collection (Medical) with AMCOL Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This account it should be snt to the insurance company at the time XXXX I have never advise of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (VA).
Issue: Deposits and withdrawals

Complaint: I have a Rushcard and my pay is deposited twice per month there has been an issue with customers of Rush including my self with having access to our money for more than a week some longer. My most recent issue is that my balance is not correct. Rushcard is saying that a gas merchant is holding XXXX for XXXX gas transactions XXXX for XXXX the other for XXXX. I have use this place XXXX of times now all of a sudden they are holding XXXX of my money for XXXX worth of gas, my balance with Rush changed 5 times in one day and on the day i got my deposit into my debit card less than half my pay was in there, that is due to Rush and not the merchant. Their was and is a problem with my availble balance because of Rush, if the merchant is holding my funds it is out of concern that Rush will not pay or when the merchant submits for payment that person will show no funds available because of the issues at Rushcard I have no money to finish paying my bills. XXXX remaing bills are for insurance and if not paid they will lapse. Nothing fair about this, people are suffering in many ways due to Rushcards carelessness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Account was hacked and I filled police report, me nor the officer and get in touch with the investigator, whom seemed to disappear after I filed police 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 05-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have reached out multiple times to Fed Loans Servicing to resolve my issue and have been unable to resolve any. I am filing a compliant because my loans were transferred by Fed Loans Servicing to default when I was making payments. I paid almost {$12000.00} in XXXX, to lower the cost of my loans. I was paying on my loans when XXXX were transferred to default XXXX and sent to a third party. 
I consolidated all of my loans in XXXX, I assumed all of loans were consolidated until I received a phone call from a collection agency stating that Fed Loans Servicing had transferred XXXX of my loans to them do to non payment. I received a phone call from Fed Loans admitting their mistake on my account and stating they would erase any negative reporting on my account. There was no record of the phone call on my account to inform other fed loan employees of the mistake made by Fed Loans. 
In XXXX 2016 the XXXX loans were added back to my Fed Loan account but my credit has been falsely negatively reported because of Fed Loan Servicing making a mistake. 
I have spoken numerous supervisors and have sent certified mail with my payment history twice and clearly my loans should have never been in default or sent to a third party. This has been a very unprofessional handling of my loans. I am asking for help, I do not know what else I can possibly do to resolve my issues with Fed Loans Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of doing a HELOC with Bank of America. The originator of my loan application. The originator said I could have my home appraised because I disagreed with their automated valuation tool. Today my processor tells me that BofA is refusing to send an appraiser to my house because I have n't made upgrades in last 365 days. It is my understanding that I 'm entitled to a appraisal from a licensed appraiser if I disagee with their home valuation software aswell as I was told by the orginator before I applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was pulled off of the XXXX XXXX XXXX, by a XXXX XXXX when my complaint became personal to the board. I have spoken to the CF.P.B. ( # XXXX ) on the XXXX day of XX/XX/XXXX ( start of this case ). I have been abused, financial, by the XXXX XXXX because of my complaints with the F.t.c. I recently found out about a XXXX XXXX called the XXXX XXXX using my name spitefully because of the XXXX XXXX Crash. Let me start by explaining my previous issue with my first Credit Card of XXXX   XXXX, during the XXXX XXXX conspiracy act. My financial problems started with the abuse I sustained while doing business with The XXXX XXXX Credit Card. They were the first to take advantage of me with a false charge of a tobacco sale from XXXX XXXX and a Ferry Ride from XXXX to XXXX. I was told the XXXX XXXX President was responsible for these false charges, while I was helping the F.b.i. stop a child XXXX XXXX traffic problem in the system. I was XXXX XXXX, during the time of my working years, and was told to file XXXX 's XXXX, while arguing my case with the Office of Personal Management. After explaining my case to the Office of Inspector General, the  previous President Obama, left office with a promise of a back-drawn paycheck due in XX/XX/XXXX. The new President Trump, recently claimed he was going to pay me my back pay, and also pay off my complete Chase Credit Card Bill. President Trump is aware of the abuse I sustained determining the correct qualities of my work load, while the banking system disrupted my self worth.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This people keep calling me and harassing 3 to 5 times with different numbers, talking rudely and extremely irrespecutful and in a harassing way.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with HOVG, LLC (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed the referenced accounts ( # XXXX & # XXXX XXXX by third party XXXX XXXX XXXX XXXX. The credit report shows these items were deleted from my credit file XXXX 2017. HOVG LLC, dba Bay Area Credit service ( BACS ), XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX has now reinserted these items on my credit report. The reporting period has expired and I have NOT received any notification. This is a serious violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: freedom furniture and electronics sued me where i did not live. i had no idea about the lawsuit, and was never given proper notice. they are taking money from me on a monthly basis only because they threatened to put a lien on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to save my home from Foreclosure, but Nationstar is still just giving me the run-a-round and I am requesting that the CFPB take a more active role in forcing Nationstar to treat me fairly. I have an FHA loan. My income was reduced due to a reduction of income even though Nationstar claims that they want to help me, that 's the exact opposite of what they do. First, I have submitted a request for mortgage assistance and all of the documents that have been requested. However, Nationstar continues to lose my documents and keeps asking me for the same documents over and over again. How can they lose them? I fax them, and I get a confirmation. I have them emailed, and we get a confirmation ... What can I do if they keep losing what I send them!? 2nd, I 'm told that XXXX XXXX at XXXX ext XXXX is my relationship manager, and single point of contact. However, When I call this number, she is never available and I have yet to receive a call back. Also, when I speak with someone else, I always get different information and most of them are rude. Third, I received court documents to attend a foreclosure hearing. It is my understanding that when Nationstar is working on helping my save my home, then they should stop all efforts to foreclose on my home! I feel that Nationstar is purposefully treating me unfairly. They received $ XXXX dollars from tax payers to bail them out, and they continue to just jerk homeowners around. As I research Nationstar online, I see that they have been fined a lot for misconduct on the way the treat homeowners. Please help me NOT become one of their statistics. I want to save my home. I 've researched the public information on FHA loans and I qualify for help. Please help me get treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My private student loans with Navient. I have been trying to make long team payment arrangements. Over the last few years I have been paying my loans on time by automatic draft. I noticed even though I was on a approved payment arrangement. and paid on time I was being charged {$15.00} late fee on all my loans when I had the funds coming out of my account on time everytime. I called last week to have the payments stopped because I am in the middle of a lay off and I just cant afford to pay for almost {$980.00} a month in student loans payments. I work in the XXXX where I have to pass XXXX and I ca n't have any negative credit history. At this point I ca n't pay the amout they are looking for every month and I do n't know what to do. I called and have them stopped the automatic draft one my loans to give me time to try for a deferment or forbearance. Monies still were taking out of my account. I have been given misinformation and it seems something is wrong when my loan balance is so much more than I borrowed. I just want a payment plan I can make with out having to choose to pay my loans or buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid Capital One credit card services on XX/XX/2018. I have 2 credit cards with the company. I paid the payment through the on-line payment method. The payments went through but then my bank returned the payments which were {$100.00} to the card ending in XXXX and {$180.00} with the card ending in XXXX. I called my bank to verify my funds and they said it was an error on their part. I then called Capital One on XX/XX/2018 and made a phone payment with the representative. I had verified that I had enough in my account before I made this call. The representative took both payments over the phone. I then found out that he switched the payments and placed them on the wrong cards. Then, Capital One took out an additional {$100.00} when I did not authorize the payment once I called and had the phone payments already taken out. 

This made my bank account go haywire! Now it looks as if I had not made the payments. The funds were available and that is why I made sure that when I called that they were applied to my credit cards. When I called to see what was the problem the representative said she had to verify my account. I told her that I did not need to verify my account because it is the account that I have been using and it is a viable account. My card that ends in XXXX is now over the limit {$380.00} which is absolutely absurd!!! It is not my fault that Capital One took out too many payments that were not authorized! I am tired of going back and forth with Capital One. I am sure other customers have the constant problems that I have. I think that I will begin some sort of boycott with Capital One and their wayward practices!!!! Also in the near future, the representatives and supervisors need more training on how to approach someone that is upset about their account!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I fell behind on our mortgage. We were given the wrong information by Chase and finally after six months we were told what we could do. That was XX/XX/XXXX and now three years later we finally were approved for a modification and our payments were suppose to start in XX/XX/XXXX. We submitted our XXXX set of documents and they were rejected, we submitted our XXXX set and again rejected. So XX/XX/XXXX has come and gone and we submitted our XXXX set and it was accepted but the problem is they were accepted on XX/XX/XXXX. We are now two months behind on our modified mortgage! I asked Chase when will the payments start and I was told the date on the documents. Chase found something wrong with all of our documents! There was nothing wrong with them but they are dragging it out all over again! How can something designed to help you start out by drowning you? We are in the same boat we were in last time! So now we have to play catch up! That is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Optio Solutions, LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have a company called qualia collection services from XXXXphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in XXXX for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told. 

On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}. 

No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good. 

Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Application, originator, mortgage broker

Complaint: I am very upset and concerned with my bank Wells Fargo who refuses to help my wife and I on our financial delima. I 've been a loyal customer for 30 years and my past credit rating was excellent until just recently since my wife is no longer able to work. She has filed for XXXX which will take quite some time which does not help us right now which we need desperately. Our car is in repo status and we will not be able to make next months house payment due to XXXX that an XXXX has to remove from my mouth which is very costly. I only owe XXXX dollars to pay of my home and it is appraised by Wells Fargo for XXXX dollars. It is beyond me why Wells Fargo is unwilling to let me access some of my equity to keep us from loosing our home and our car. I do n't understand why Wells Fargo will not help us since our credit has gone down hill recently. If they would just review my past credit history which I 'm sure that they have not, maybe then something could be resolved to get us the help we need. My name is XXXX XXXX XXXX. My email address is XXXXXXXXXXXX and my cell number is XXXX. Hopefully this complaint letter will make Wells Fargo see that they are in the wrong by treating a valued customer as myself and do the right thing and help us on this matter.So many times in the past my bank has helped me out and my question is when I need them most, why ca n't they help me now. 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