milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with Allied Financial Group & Associates (Closed) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Financial contacted me in an attempt to collect a debt from a neighbor. On XXXX/XXXX/2015 a representative called my home and cell phone. The rep asked for me by name and advised me that I lived in close proximity to someone named XXXX. He then asked if I had seen or spoke to XXXX lately. I advised the rep that I did not know a XXXX and asked how he had obtained my information. He stated that it was public information and that he was well within his right to contact me about my neighbors debt. I advised him to not call my home or cell phone again in an attempt to collect a debt that I did n't owe and from a neighbor that I did not know.

Company response to consumer: Untimely response
Consumer complaint received 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: When looking at my credit file I noticed the following companies are reporting negativity to my credit report. The companies in question are XXXX and XXXX has agreed to remove the negativity due to the account not belonging to me and has since been paid to have it removed. XXXX corp is showing a late payment on the account. the account has never been paid late and has been disputed.

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 01/14/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IA).
Issue: Using a debit or ATM card

Complaint: XXXX, an online event ticket broker, charged us an incorrect ammount. We purchased tickets online for a XXXX XXXX Concert occuring on XXXX/XXXX/2016. During checkout they showed the total as {$250.00}. They charged our bank account {$1100.00}. We did n't know we were charged that much until we got the receipt. 
They will not even talk to us to resolve the issue. 

We contacted our bank to file a complaint and they did nothing for us. 

It should be noted that the tickets they sold us are still being sold today, from the venue sponsor for {$80.00}. 
XXXX tickets are only {$250.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL ().
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Care Credit. The interest rate is so high that when I make a payment, my balance barely goes down. I pay  XXXX , it might go down  XXXX  dollars, but then there is a penalty for not paying off the balance the first year you have the card, so even the  XXXX  does not matter. I called the company several times and told them I am stuck in a loop of making a  XXXX  a month payment, but it never reflects in the balance, and they told me I should have read the fine print in the contract, I asked what contract, I applied on my phone. I ca n't keep making payments on something that will never be paid down, or paid off, I do n't know what to do about this.

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 11/22/2017 about Debt collection (I do not know) with Green & Sons Agency, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Bank statesmens had wrong charges on a closed account. 
I made a statement for the bank stated that I did not use the account. 
The creditor agreed to cancel debt and remove from my credit. 

Later another credit collection agency filed the account on all three credit bureaus. 
Named XXXX XXXX XXXX has been reporting this information on my credit. 

They have no proof that I had any debt with them, no identification, no verification, And no signed agreements by me to repay anything or admitting that such debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am the newly appointed personal representative of the Estate of XXXX XXXX. I petitioned for appointment on behalf of the Estate 's largest creditor ( XXXX XXXX ). The bank started a foreclosure on XXXX/XXXX/2015 and it has lain dormant to date. My research indicates that both the mortgage company and the law firm handling the foreclosure filed bankruptcy, and the law firm does not exist anymore. The Condominium fees accruing since the DOD of the owner exceed {$40000.00} and continue to accrue each month. Now the Court has sent out a Notice that it will dismiss the bank 's foreclosure case for non-prosecution. I am attaching documentation referencing the above. I do n't know if the address I provided for the lender is still good - I obtained it from the recorded refinance DOT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I placed a freeze on all three reporting agencies. XXXX and XXXX asked me questions to verify identity then freeze was lifted. Transunion REFUSES to lift freeze. They said they are unable to kid the freeze because they can not generate questions from report. I just need Transunion to lift freeze

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 03-02-2018 about Debt collection (I do not know) with ECMC Group, Inc. (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I keep receiving calls from XXXX XXXX XXXX XXXX, a Rep by the name of XXXX. I have no idea why she is constantly call me regarding some unknown debut.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   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
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NJ).
Issue: Trouble during payment process

Complaint: I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX  XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX,  XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender. 
In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an account ( residential account ) with XXXX XXXX XXXX XXXX ( known today as " XXXX '' ) in XX/XX/XXXX. I personally went to this company and closed the account in XX/XX/XXXX ( I am attaching evidence ). During the last years, this account appeared in my XXXX credit report in the " Closed Accounts '' section until it was removed from my XXXX credit report. Recently ( since XX/XX/XXXX ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with XXXX along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, XXXX did not accept this evidence so as to remove this account from my credit history. I called again to XXXX and they asked me for another kind of letter ( Credit Correction Letter ). Then I called again to XXXX and they informed me that they " will '' send a Credit Correction Letter. Originally XXXX informed me they sent the letter but they did not. Attached you will find evidence that I went personally to XXXX in XX/XX/XXXX to ask for a letter as an evidence that this account was closed in 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 non-monetary relief
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I opened an account by going into a branch in XXXX, VA. I just wanted checking the man convinced me to open savings also. In talking about the account he said that there would be fees but they would be waived if I meet some qualifications like using my debit card at least 10 times a month, keeping a minimum balance. A few months later I noticed I was charged an account maintenance fee. I assumed I did n't use my card enough times and made sure to use it more and forgot about it. Month later I saw I was still getting charged the service fee and called Wells Fargo to find out why. they said I did n't Have the account that I thought I did. I asked what is the difference between my account and the one I was told I was opening and she said a one has a fee regardless and one the fee can be waived ( which does n't even seem accurate if you look at the statements ). She kept saying that it was stated in my statements but I have online statement only and never read them since all account history other than the fee is easily viewed online. I looked through all of the papers I was given when I opened the account and nothing was specific to the type of account or the rules regarding the 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 03/21/2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (MD).
Issue: Application, originator, mortgage broker

Complaint: I am in foreclosure. My aunt XXXX was contacted by a lender ( XXXX ) who asked then convinced us that we needed to make repairs to our roof. The home was fully paid for without a mortgage at the time. My aunt who had no income could not take out a loan, so XXXX suggested that she transfer the title to me so that I could refinance. I only applied to take over the house to help my aunt get the repairs to the home. We only needed about {$15000.00} to make repairs, but when I applied I was told by XXXX the company she works with do n't do small refinancing loans and that I would have to borrow much more. She convinced me to borrow {$50000.00}. Then XXXX suggested and picked out the roofing company who charged me {$20000.00} to repair the roof. Two years later XXXX came by my home and convinced me that I needed to borrow another {$50000.00} to make more repairs that never got finished. off and on XXXX would come to my house saying that I needed to pay her {$300.00} for fees, she also came to my job and harassed me there. I used the XXXX loan to make payments to both the loans. Thanks to the HUD counselor I realize now that I was preyed upon and was a victim of a predator the just stripped the equity out of my home. The women that did the refinance was XXXX XXXX and told me she work for XXXX and she convinced me that I needed these loans. I did not know how refinancing or mortgages work so I was an easy target. 
my family has lived in the home since it was built in XXXX. This was my grandparents home, my parents home, now my home along with my aunt. I really do n't want to lose it.

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 07-08-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a delinquency on my credit report and it does n't tell me where it has come from.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number. <P/>Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have recently disputed incorrect info on my experian credit report It is a bankruptcy filed XX/XX/2013 and a XXXX XXXX card XX/XX/2013 for XXXX that says it was included in a bankruptcy I have disputed it several time as not mine and they have refused to do anything about it. Now they will not even allow me dispute it anymore. It is effecting my score greatly. Thanks for your help.

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 08/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Result of Our Re-investigation from Equifax : " If you believe this was unauthorized, please contact the creditor. If you have addition questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX Phone ( XXXX ) XXXX. '' On XX/XX/2016 I phoned XXXX per Equifax letter XXXX and talked with XXXX ID # XXXX she verified using my ss # it was not mine. Transferred to XXXX XXXX credit card ID # did not have. Verified my ss # this was not mine, transferred to XXXX in Auto Loans, verified my ss # this was not mine, transfered to XXXX XXXX Customer Service Mortgage Services, verified my ss # this was not mine, transferred to XXXX, XXXX Executive Office, verified using my ss # this was not mine. ( TOTAL TIME I WAS ON THE PHONE 1 HOUR 2 MINUTES ) Equifax needs to be responsible call XXXX themselves, verify and remove the Credit Inquire which hard hit my credit file. This mistake needs to be removed immediately from my Equifax file. This is a careless mistake hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: We had a credit check for a possible loan while of vacation in late XXXX this year, noted the birthday was incorrect. ( wrong date was ( XX/XX/XXXX ) ). Contacted Equifax, and sent them requested information XXXX this year, XXXX twice ). I have sent Equifax copies of my drivers license and a utility bill from my address as well as a XXXX from that should have been sufficient. Received confirmation number ( XXXX ) dated XX/XX/XXXX. Stating my birthday was corrected toXX/XX/XXXX. Great right! Wrong! Back from couple week travel. Received another confirmation, ( XXXX ) dated XX/XX/XXXX, stating it was CHANGED BACK, to the wrong date! They have all my other personal data correct and I 'm pretty sure no one with my name lives in the house with me! And hope they do n't have my SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with LPSG (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company called me and left a voice mail on my phone, stating they were going to send XXXX uniformed police officers to my place of work, and said they contacted my place of employment and my place of employment stated to send to them to my house, I contacted my work and no calls had come in When I called the company they said I needed to give them my debit card number, I did not give it to them, They told me they were going to take legal action on me and I asked what my balance is they stated it was XXXX. My credit limit on my card is only XXXX,. I called my credit card company was was told it was only XXXX. I have already been to the police department here and was advised NOT to give them any info and to tell them that I had already contacted the police depart and that what they are doing is illegal and further action will be taken against them, This company was very rude to me and said if i do n't give them any money and dont give them my debit card number they will take me to court and garnish my wages, This has stressed me out to the point I could not breath and now I am scared for me and my family, This company needs to be stopped!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016, several fraudulent charges were made against my Paypal account. After working with Paypal I was able to get XXXX of them reversed, however the largest one, a personal charge issued to a man apparently located in XXXX, was ruled against me. This was communicated to me with vague language and no explanation, and when I tried to find out way I was told that because I 'd informed my bank that these charges were fraudulent and my bank had ruled in my favor, Paypal had opted instead to stop trying to charge my bank and instead charged my Paypal account directly. I know noone in XXXX, have never been, and have no family or other connections to the country, and object to both their ruling against me and the lack of any details as to why they did so, combined with their refusal to provide me further information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Debt collection (Payday loan) with JPMORGAN CHASE & CO. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a call from a man who said he works for Providian Financial and he was calling to collect a debt on a payday loan. I have never done business with Providian Financial so I asked that he send me in writing more information. He said that he has sent me XXXX emails that I have never received. He has called my cell phone and he gave me a callback number for him XXXX. He has been calling my employer repeatedly and when I ask him to stop, he said I am going to keep calling them until you pay the money and I do n't care if you get fired. He told me I had to go to a XXXX office and call him from there and he would tell me where to send the money. I want this man to stop calling my employer. My employer said he has jammed up the company phone lines on multiple occasions.

Company response to consumer: Closed with explanation