milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In XXXX 2014 I requested a complete history of all payments I have made on my XXXX, now Navient, loans. In particular, I was seeking the same data that is required on credit card statements and mortgage statements, namely " How much interest have I paid over the life of the loans? '' XXXX told me that they do not provide payment history beyond the last XXXX payments. I feel that they must have data on how much they have made over the life of the loan and refuse to disclose that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On  XXXX / XXXX /2017 I was shopping for a Surface Pro 4 on Amazon.com. I saw a link offering 0 % financing for 12 months on this item I wanted to purchase. I followed the link which led to a Amazon Signature Visa issued by Chase bank. On  XXXX / XXXX /2017 I reviewed my statement from Chase and saw an interest charge. When I called Chase they claimed that I had applied for the wrong card and that the 0 % interest deal was offered by a different bank. I 'm not sure who is more at fault Amazon or Chase, but this was classic bait & switch. I paid the card off in full to prevent further interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: My complaint is against Wells Fargo Bank, with which I have had a checking account since it took over Wachovia 's banking operations. On XXXX/XXXX/XXXX, I made a deposit of a {$690.00} check from my Roth IRA account with the XXXX XXXX XXXX XXXX ( XXXX ), and I have deposited my Roth IRA checks into my account on numerous occasions and the funds have always been available as these checks have always cleared. My checking account was overdrawn at the time, and I deposited this check as soon as I received it. The bank placed a hold on {$490.00} of this deposit, leaving my account still overdrawn by approximately {$50.00}. I was advised that the hold was place because I had repeated overdrafts in the last six months. The reason for such overdrafts is that in XXXX, I signed up online at the Wells Fargo website for what I thought was overdraft protection, and since then Wells Fargo has paid any checks or debit card transactions that I have made without having sufficient funds in my account for a {$35.00} fee for each such transaction, which I thought was part of the overdraft protection arrangement. When this hold was placed on my account on XXXX/XXXX/XXXX, I questioned Wells Fargo about my overdraft protection and I was advised that I had instead signed up online for " overdraft services '', which unbeknownst to me differs from overdraft protection and which was not explained at the Wells Fargo website. Wells Fargo 's marketing of its overdraft protection at its website was confusing in this regard. Had I known that at the time, I would have proceeded differently and made sure to enroll in the actual overdraft protection ( which I have now done by telephone ). And when I questioned the bank further about this hold and advised the bank that I have several pre-scheduled and authorized payments ( debits ) which will come out of my account during the period of the hold, I have received different answers : ( 1 ) one advising me that I must go to a Wells Fargo Bank branch in order to get the hold removed, and ( 2 ) and another advising me that the hold could not be removed at all. In the meantime, such pre-scheduled payments have started to reach my account and I am being assessed an overdraft fee of {$35.00} for each such transaction. I view this as an excuse on the bank 's part to continue to collect the overdraft fee of {$35.00} while the {$490.00} remains in hold status, which I view as predatory. The XXXX check that I deposited is not a personal check, it is from a nationally recognized organization. Also, I work for a municipality and my paycheck will be direct deposited into my account on XXXX/XXXX/XXXX and I am afraid a hold will be placed on that deposit as well. I would appreciate any assistance you can provide to me in getting the hold removed if possible.

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 12/18/2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (FL).
Issue: Other transaction issues

Complaint: I heard about a service made out to be similar but better than pay pal called google wallet. I downloaded the app and transferred XXXX $ in total to g wallet. It took about 3 days to clear in both my checking and google wallet account and when it did google wallet took XXXX $ from my checking account and there was only XXXX on my wallet account. i immediately called google wallet while I was in my bank and informed them the issue and they first claimed it was as bank error. the banker I was Cleary stated it was not and entirely Google 's fault. After about XXXX hours of calls and fighting with google wallet they refunded the XXXX extra dollars they had taken within XXXX hours but not the over draft fee the banker charged me. That was XXXX. the XXXX I actually had transferred went to Google wallet and I sent XXXX to google play with no issues. the remainder I was going to use once my wallet card arrived. I received the card XX/XX/XXXX or XX/XX/XXXX and when I tried to activate it they closed my account and said I would not be able to use the card or google wallet period. So I asked for a refund they emailed me a form which called for my bank info to refund me. today is the XX/XX/XXXX. I 've called daily spoken to at least XXXX supervisors had it escalated to higher departments and the only answer I get is they are looking into it. I have now filled out XXXX refund forms spent hours daily speaking with them and gotten nowhere. Should I seek legal action? Please help that XXXX is a lot of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
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 ordered some clothing on-line from XXXX 's on my XXXX 's card. The clothing came and was not as described, returned some by mail, and took the rest to the store at XXXX XXXX, XXXX FL Returned everything I ever purchased from XXXX XXXX. It took a long time for the computer in store to recognize and accept the information the CSM was inputting. She said that some may not show as it was apparently shipped from XXXX XXXX package, and those are shipped to a regional center not directly to the customer. I told her that I had not received anything from the XXXX but that the on-line service advisor said some items only available through them. 

Got the receipts and I and the CSM agreed I owed nothing. I then shredded my credit card and closed my account. The next month I called XXXX 's when receiving a bill for what had been returned or never received. 

They did nothing. Then the following month added penalties, exorbitant finance charges. Again I contacted them takes hours as it is through an international auto message center. 

So I wrote them asking them for anything with my signature charging anything. Reminded them that my card was shredded given to their credit dept and the account closed. 

They acknowledged their bank had received my letter. They never complied with the request for proof that I was the person charging something, that all merchandise had been returned that was received. 

They just keep adding usury charges and put this in the credit report as a bad debt and it came up during my application for a mortgage with XXXX XXXX XXXX in SC, and their recommended mortgage rep XXXX XXXX. 

I give up as I owe them nothing have paid all debts I did owe was not late ever, and they refuse to be responsible. This never showed on the XXXX XXXX Report monthly until after XXXX XXXX was so efficient as to send me a copy of reason for mortgage rejection. 

Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is eagle loan company and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.

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 05-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  of  2013, m ortgage loan with  Chase  was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (I do not know) with Office of Brockman & Rollins, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion, to date, I have not received the results of your investigation regarding my disputes dated XXXX XXXX, 2016 & XXXX XXXX, 2016. I did receive a notice from you dated XXXX XXXX 2016, explaining to me what an " inquiry '' is ( I know what an inquiry is ), but this did not satisfy your obligation, by law, to investigate and correct inaccurate information which appears on my credit report. As the 30-day clock has already lapsed, your only course of action here can be to delete the disputed items from my credit report.Inquiries are not a statement of fact. The inquiries I have listed did not have my authorization nor a permissible purpose to obtain my credit history. The law makes no distinction here, by placing the responsibility to confirm this information with you. Inquiries hurt a credit score, and are a part of the report. You are not exempt from following the law, simply because these entries are not tradelines. The FCRA clearly places this responsibility on you. The information you are reporting is incorrect in the way I have explained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The original creditor was XXXX from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not Portfolio Recovery who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with XXXX since 10 years ago and never will. My Bankruptcy representative made that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Unauthorized inquires are on my report from Capital One Bank, NA for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all  XXXX  credit bureaus. These items were not authorized by me and should NOT be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with AFNI INC. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to   XXXX   I have contacted  XXXX  who advised me that they do not have any record of any past due unpaid debt with  XXXX . They were able to access my records and they advised that my  XXXX  service was part of a service they provided to me as a package bundled with  XXXX  internet service and as such my contract was with  XXXX  and all billing was done through  XXXX .   I have contacted  XXXX  who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the  XXXX / XXXX  bundle was provided that had been passed to another collection agency and that was paid in full in  2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect information regarding an account was listed on my credit reports from all XXXX agencies. I filed disputes, shortly after XXXX and XXXX both made a correction and the account is now in good standing. After repeated attempts with Experian, they have not corrected the issue. Experian lists the account as negative despite being provided the proper documents. They have also failed to provide a description of how they processed my dispute, which I requested per my rights. 
This is the verbiage of my dispute to Experian : " This account relates to a dispute with the XXXX in XXXX that was resolved in XXXX. The XXXX claimed I had a past due ( in collection ) and I claimed I was owed because of overpayment. The XXXX conducted an audit and determined that I was indeed owed the same amount they claimed that I was in arrears. I received a refund in XX/XX/XXXX. I have included copies of the audit and refund documents. Can you please update the negative account in my credit report? Thank you. '' I have attached documents clearly showing the account should never been in collections XX/XX/XXXX. Please disregard the yellow highlight on one of the docs as that was for another matter. 
Thank you CFPB! 
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