milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Fraud or scam

Complaint: I entered into an agreement with a virtual account seller and after agreeing upon initial payment and after receiving said payment the seller than says that the price had changed and to get this account I must pay an additional amount of which I did and the seller than states that I sent it to the wrong account after I had followed his directions. He never made mention of this other account until after receiving the second payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I should not have to wait an additional 60 days to get inaccurate data off of my report with Equifax. How is this fair to me? I have already wrote a letter and mailed it to Equifax and nothing was done nor did I receive a response back. I feel I have waited enough time already. I was able to resolve it within 4 days with another credit agency. This is inaccurate and now I 'm being told it will take 60 days for the matter to be resolved. This is not fair please help XXXX XXXX XXXX {$130000.00} inaccurate never owed, please remove. I confirmed this with the IRS. 
COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX, Wells Fargo charged {$2000.00} to my XXXX XXXX XXXX XXXX XXXX from a company called XXXX XXXX , in XXXX FL. I called them and told them I had never heard of such a company and had not done any business with them. They refused to return my money and claimed I had dealt with them. There was no phone number to make any contact. I have been fighting this cause since then. Last week I was told that my time of limitation has run out BUT I have been on this case since XXXX. 

The following year on XXXX, I was charged {$1500.00} to sell my timeshare. Then on XX/XX/XXXX, the same company, XXXX XXXX XXXX, called me and hurriedly told me they needed {$3800.00} as they were selling the property. I was confused and did not realize that I had already paid them {$1500.00} earlier that year. This was charged to my XXXX XXXX XXXX XXXX XXXX. I refused to sign the contract and asked them to cancel. 
I called Wells Fargo and asked them to refuse the charge. They told me they could n't reverse it. In doing so, they accepted the scam charge rather than supporting their client who had been with them since the sixties. I received a letter which claimed I had profited from this charge. How can they prove that? Still pursuing this all these years and the time of limitations is up. They never sold my timeshare.

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 08-08-2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease

Complaint: This account was closed when the vehicle was repossessed XX/XX/XXXX or XX/XX/XXXX. The ex husband rook on the loan in the divorce and has since filed bankruptcy. It was included in that bankruptcy. This is not an open account and the car is no longer in my possesion. Please remove as an open auto loan and include in the ex husband 's bankruptcy. Please remove from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute to Experian XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.

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 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Made several attempts to obtain records. Regarding Balance ... ..have last statement Bill of balance which was {$300.00} I had no problem paying and was told they would not accept that amount. Do n't feel I should pay because contract agreement was I could cancel after 30 days because I did n't like the service and I did and XXXX keep charging me. Everytime I call about account I 'm told call someone else and given the run around. I disputed the account on XXXX it was closed then reopened with no communication about the debt. This is unjust I 've made attempts to pay debt. I 'm being forced to pay something else. It 's ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (KY).
Issue: Trouble during payment process

Complaint: My XXXX who is a XXXX XXXX was taken advantage of by The American Advisors Group. His living room floor sunk on 1 side and he asked for a reverse mortgage. They promised money to pay for all of his debts. The floor was never fixed. the company sent a work crew out to fix carport and paint storage building and he did not want these things done. the money for these repairs was taken out of the {$22000.00} promised. XXXX received roughly XXXX dollars. Now he had to make insurance payment and they are large like a loan payment. The loan has jumped up to {$22000.00} most of this is interest. How is he suppose to pay this? Then there is the matter of his eventual death, they promised that I the XXXX child would have the house which sits on XXXX areas of land. I am afraid They will still the house from me. Like they did in the XXXX XXXX XXXX court case which they lost and it is so close to our complaints. I need this matter resolved and I strongly advisor others to be very cautious about this company and there outrageous claims, lies and theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Other

Complaint: I received a Barclays Bank Delaware XXXX XXXX in XXXX of XXXX. A few months ago, Barclays began reporting that a card issued in XXXX is also mine. It is not. They say i need the account number, which i do not have as it is not mine. The owner of the other card pays on time as do i. We both seem to have great credit. However, i am buying another home soon and ca n't allow this on my bureau. When i contact the Bureaus, they contact Barclays and Barclays insist it is my card. I suspect they data entered a wrong SSN or something. If not, they should see it is XXXX seperate SSN 's and XXXX seperate addresses, as i do not get the other person 's bill. I do n't believe this is fraud. I believe it is arrogance and stupidity.

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 12-07-2016 about Credit card () with SYNCHRONY FINANCIAL (MT).
Issue: Unsolicited issuance of credit card

Complaint: Synchrony Bank via XXXX opened a credit card account in my name. They sent me the card which I did not activate. Nevertheless they opened the credit card account and certain XXXX charges ( all justified ) were charged to that account. XXXX denied any association with Synchrony and Synchrony refused to close account unless I provided information they should not of had i.e. birthday, Social Security number etc. I refused and they told me there was nothing they could do to close the account. Numerous calls to Synchrony produced no resolution although they did waive an unauthorized {$1.00} charge. After many complaints to XXXX I finally received a letter from Synchrony stating I was a victim and someone had opened an account in my name. Yes, but it was Synchrony that opened the account and activated it without my permission not some unknown person.

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 05-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Struggling to pay mortgage

Complaint: We had an original sheriff sale ( Ocwen Loan Servicing ) date of   X/XX/16   and the notice was published on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX ,   XXXX   &  XX/XX/XXXX . We had the property ( in the family for   XXXX   years ) listed for sale despite not wanting to at the end of   XXXX   XXXX   . I  called the local attorneys office   XXXX   XXXX   XXXX   XXXX   on  X/XX/16  asking the price it sold for and who purchased it and left a message. I did n't hear back so I called again on   X/XX/16    and spoke wi thh    XXXX   XXXX   and he stated it was pulled from the sheriff sale because " they did n't serve us '' which they are required by law to do. Since this was published we had to lower our asking price by $  XXXX  because people knew it was going to auction. It is still currently on the market.
My husband has had unfortunate health issues over the last few years being in and out of work. He   XXXX   his   XXXX   over  XXXX  weekend in  XXXX  and was unable to work until earlier this year.  He was in a    XXXX     for  8 mon ths for 23 hours a day with no income. He was denied  XXXX  twice. It is now under a second appeal with an attorney we had to hire to hopefully get some back-pay.
I tried to work with Ocwen for a modification, unemployment forbearance or anything to help save our property but to no avail. They have applied so many fees that we 've lost track. I do not believe Ocwen 's " Helping Homeowners is what we do '' motto because they do n't help homeowners. They drain them financially and emotionally by giving false hope and then letting you down. You talk to people all over the world that you ca n't even understand and end up getting so frustrated going around and around in circles. They need to be investigated, something needs to be done!
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my job and asking for my boss and Human Resources consultant, so that they can garnish my wages. They are threating to send legal documentation to my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I recently filed for bankruptcy and asked to have my mortgage with XXXX America reaffirmed. Bank of America closed the account instead. 
When I called to ask why they said because they never received theirpaperwork back from the attorney. I contact the attorney, BofA neversent any paperwork. So I called back and requested they send thepaperwork. They assured me they would XXXX it. I waited a week, thepackage never came so I called again. This time they told me they showthe paperwork was requested, but they did n't show that it was sent. 2 weekshave passed and still nothing from BofA and now I am going to miss mydeadline to get this paperwork handled because BofA is doing NOTHING. 
Now I am going to have to request an extension from the court so thatmeans my bankruptcy is still in limbo and who knows if BofA is going todo what they are supposed to do. My attorney told me they are notoriousfor this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Medical debt) with Alorica Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: RECEIVED A PHONE CALL FROM XXXX XXXX AT XXXX XXXX XXXX ON XX/XX/2018. GAVE THE FAIR DEBT " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE ''. SHE INFORMED ME THAT UNLESS I PAY {$470.00} THAT DAY THE ACCOUNT WILL BE REPORTED TO THE CREDIT BUREAU. I INQUIRED WHERE THIS ACCOUNT CAME FROM, I RECEIVED NO NOTIFICATION OF THE DEBT FROM THEIR COMPANY AND HAD NO CHANCE TO REQUEST COMPLETE DOCUMENTATION/ITEMIZATION FROM THEM TO DISPUTE. SHE GAVE ME AN ADDRESS OF XXXX XXXX XXXX XXXX OHIO XXXX, MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX AND VERBALLY INFORMED HER I AM DISPUTING THE VALIDITY OF THE DEBT, IF THEY ARE TO REPORT IT TO THE CREDIT BUREAU THEY WILL REPORT IT AS DISPUTED, AND AM REQUESTING ITEMIZATION SENT TO MY XXXX OHIO ADDRESS.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Point Financial Corporation (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX  XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.

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 02/24/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX and XXXX XXXX, there were bank accounts opened at Wells Fargo in my name. I did not open these accounts. There was also an application for a Wells Fargo Credit card in my name, unbeknownst to me. Even though I spoke to the Executive office at Wells Fargo on XXXX XXXX about this, accounts were opened again a week later. 
I went in person to the Wells Fargo bank on XXXX XXXX at XXXX XXXX at XXXX XXXX, XXXX XXXX and a case has been opened. I was told that all my information had been used. This is the only business that it seems my identity has been use since I am a former bank account holder with Wells Fargo. I want to hold Wells Fargo responsible for this breach in my confidential information and I want to have an police report and help with changing my XXXX Drivers ' license number. I also want Wells Fargo to pay for an Identity theft protection service to say the least this seems to be coming from their offices.

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 02/15/2018 about Debt collection (Other debt) with U.S. BANCORP (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to US Bank in the amount of {$720.00} to U.S Bank for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from US Bank regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " XXXX XXXX '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the XXXX XXXX to the appropriate agency. She laughed and hung up the phone.

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 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file.

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 11-07-2016 about Mortgage (Home equity loan or line of credit) with Veripro Solutions Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The company that purchased my home equity load which was discharged through bankruptcy six years ago has contacted me and told me that my debt was satisfied through some government program and that they were sending documents to city register to remove the lien from my property. I had to sign some Dodd Frank form and forward it to them. I did that. This was back in the beginning of XXXX. Since then I have checking acris.nyc.gov website to see if the lien was removed but nothing happens. I have contacted the company numerous times and each time they are telling me that the paperwork has been submitted but nothing happens. I went down to the city department that handles the liens and they told me that it takes 5 weeks to process a record. It has been way longer and I am afraid that this is some kind of scam.

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 06-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Hello! I receive a Social Security direct deposit at Chase Bank for {$440.00} and I paid XXXX pay of {$160.00} and XXXX XXXX XXXX for {$57.00} all paid on XXXX/XXXX/2016 that left me with {$230.00}, i made a withdrawal from the ATM for a {$220.00} then that left me {$7.00} and some change, then I made a {$140.00} payment to XXXX XXXX XXXX, I knew I was going to be charged {$34.00} overdraft fee for this payment, and then I see {$34.00} overdraft fee for the {$57.00} which was paid out of my direct deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT. IT SHOULD BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED TRANSUNION IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY 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 01/14/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: i want my pmi to be removed.i am sorry i was cliked on applied for a loan i am not

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on equifax credit bureau. According to equifax, I have no credit profile. 
On the other hand, I have three credit cards of XXXX XXXX, XXXX and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than XXXX. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including equifax and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus. 

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, Equifax told me that they do not have my credit profile and any of these three companies including XXXX XXXX, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

Company response to consumer: Closed with explanation