milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/2018 Commonwealth Financial reported a new collection account on my XXXX and XXXX credit reports. Said accounts are posted as new and less than 30 days late payment. I am not responsible for this debt and have no knowledge of how this debt is associated with me. I have not incurred ANY type of medical debt that would be legally reportable or collectable. This account they have listed as account number XXXX is a violation of the FCRA and the FDCPA. I have never dealt with Commonwealth Financial and have no legal binding contract or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. 

However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. 

I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. 

I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Credit determination

Complaint: I applied for a credit card with CitiBank [ see XXXX ] I did not receive a card. I did n't worry about it, I do n't really need it, I just wanted the XXXX " bonus miles '' they lured me in with. 
Now, I am applying for a Loan, but XXXX XXXX XXXX wo n't give me a loan as there is a HARD INQUIRY on my credit, from " CBNA '' ( which is Citibank ) on XXXX/XXXX/16. I have called Citibank 4 times already and spoken to XXXX people, but they have no evidence of my application ( neither do I, I mailed the form to them ) and they say they can not remove this Hard Inquiry from my credit. This means I can not get a loan. I 've been working on this for 4 weeks now, and getting nowhere with anyone, including XXXX. 
Please 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 04-08-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never lived at XXXX XXXX XXXX my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a card Upromise XXXX account ending in XXXX and apparently from XXXX payment from my account I am being held responsible for this account. I am a victim of ID THeft and I would appreciate this card to be handled under that protocol.

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 09/26/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I reported fraudulent activity to American Express on XX/XX/XXXX for my Serve Prepaid account. There were approximately XXXX charges totaling {$430.00} from XX/XX/XXXX-XX/XX/2016. American Express has since closed my account, told me that the charges were authorized, and has refused to provide any additional information or credit. The fraudulent charges triggered a balance transfer and used up all my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XX/XX/XXXX my XXXX yr. old mother was taken by a scam artist. The card information was falsely obtained. The person calling her was claiming to be her grandson in another state and told her he had been arrested for drugs and he was sick and needed medicine. She was told to go get 8, {$500.00} American Express pre-paid cards, call them back with the numbers so he could post bail. She did this and they continued to call into the night when she then suspected a scam and called me. I called American Express that night. i had to register 5 cards in my name and 3 in my wife 's so that I could dispute the charges. I did this and American Express told me they would reimburse the money. After weeks of submitting in writing a police report they have now denied without any explanation. I spent 3 hours on the phone one night being on hold for 2 1/2 hours. I get no response just a run around. Please help get my elderly parents their money back. They only live on Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Experian about the date of credit card closure and credit limit. However, upon disputing the information with Experian, I was informed the current account information was correct. Unfortunately, different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. 

Therefore, I ask that Experian remove the closed XXXX credit card account from my credit file immediately. 

Attached to this complaint as follows : Results from the CFPB complaint with XXXX. Reported {$8500.00} credit limit, closure date of XXXX. 
Results from CFPB complaint with XXXX. Account information inaccurate, account removed from file. 
Results from XXXX dispute. Reported credit limit {$2500.00}, closure date XXXX. 
Results from Experian dispute. Reported credit limit {$10000.00}, closure date of 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 04/13/2015 about Credit card () with Asset Recovery Solutions, LLC (OH).
Issue: Customer service / Customer relations

Complaint: I verbally asked Asset Recovery to remove my work phone number and to cease calling me at my work however they have continued to call me at work.

Company response to consumer: Closed
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank has charged my business account for QuickBooks service without my permission. I had subscribed to this service on one of my business accounts. I subsequently closed that account. 
Without notice to me or any specific permission from me, Wells Fargo began billing for their QuickBooks services on a separate account. I never asked for this service on that account and they claim that my consenting to the service on one account constituted consent for any other account which I had open.

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 08/19/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. 
Thank you very much for your very kind assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Credit card) with Perfection Collection (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin. 

In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The week oXX/XX/XXXX I sent Transunion a dipute in reguards to XXXX and XXXX XXXX. These collections were deleted onXX/XX/XXXX than added back some time inXX/XX/XXXX. I did n't receive a written notification no later than 5 days after the these four accounts were reinstated

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 05-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I opened a dispute with Citi Bank over a purchase with XXXX. The issue was that XXXX would not honor their return policy. I purchased a bed frame from XXXX and was dissatisfied with the quality, thus I went to return. XXXX refused to accept the return even though it was within the proper time frame and inside the original boxes the item came in. 

I call my credit card company to opened a dispute stating they refused to except the package. Citi Bank sent me a form to fill out and with it I attached a letter explaining my exact reason for wanting to return it, I was establishing it was a return with cause and not in bad faith Citi Bank then went against my claim once they received a boilerplate answer from XXXX. Citi Bank refused to look at the evidence and returned the money to XXXX and now claim I must go after them myself. 

On XXXX/XXXX/16 at XXXX I called and spoke with a dispute rep in which she admitted that they incorrectly filed the claim as problem with quality instead of the correct claim, failure to honor return policy. They made a mistake in handling this claim and now want me to remedy myself. This call has been recorded and I can provide it as evidence.

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 04/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: we fell behind in mortgage, way behind. we have tried for loan modifications several times. one company took {$2500.00} and closed up shop taking my money with them. Rushmore, the mortgage company told me they would do modification for free, take 30 days. I called about 3 months later after never hearing anything even after phone calls and told they never did it and it takes 6 months!. we have gone to many people, taking money up front, even after I told husband not to do it, and no where. I cant do thru bank either. Now on XXXX XXXX I got a letter telling us that we had to sign our keys over to Rushmore by XXXX, 2016. That we would get only {$2500.00} AFTER they decided if it was acceptable to them. I have since got a letter from a lawyer telling me that the auction on property is XXXX XXXX, 2016 at XXXX XXXX. If it is being sold at auction then Rushmore is in now way going to give me moving expenses since they will then no longer own property. we have not sent back their letter. I do not have means to move as rents in my area are as high as mortgages! we also have a XXXX yr old son that they are putting out on street. We need longer then XX/XX/XXXX to get up funds and need much more then the {$2500.00} they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. 

I am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. 

In my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. 

To me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XX/XX/XXXX I paid off the remaining loan amount to the captive finance company of XXXX XXXX, BMW Financial Services doing business as XXXX XXXX XXXX. 
1 ) After 4 years of paying on time they had me wait two weeks to send the title for my check to clear 2 ) When I finally received the title on XX/XX/XXXX, they sent the wrong title 3 ) When talking to them over the phone on XX/XX/XXXX, they insisted on me first returning the wrong title that they sent before they can send me my title. 
4 ) When insisting that they should return my title even before I returned the wrongful one, they refused. They also refused escalating the call any further after talking with a Service Manager called XXXX. No last name. 

We see BMW Financial Services treating its customers as untrustworthy even when the customer has complied in every respect and they have not. 

A company like BMW should hold itself to higher standards, standards that respect and put the customer first as opposed to putting their company fist even when they make mistakes.

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 01-12-2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ). 
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We recently filed a complaint with our mortgage company and how they were overcharging us for escrow. They submitted their response and are changing the payment. However, we believe the payment should have been adjusted back in XXXX ( XXXX XXXX ) when the new Homeowner 's policy went into effect. As such, they partially overcharged us for XXXX and fully overcharged in XXXX. Again, I tried to contact them before the XXXX payment was due to no avail ( being on hold on two separate occasions for over 45 minutes ). As such, we paid the old payment of XXXX in XXXX and XXXX. XXXX mortgage should have been XXXX versus the XXXX we paid. As that difference did not go towards principal, and we are not seeing it in our escrow account, we believe they owe us the Homeowners Insurance overpayment amount ; i.e. the difference between the old payment and the new payment ; partial month of XXXX and full amount for XXXX. 

I have also reviewed our account on their website and it is still reflecting the $ XXXX amount for homeowners insurance. I am attaching for your review.

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 01-03-2018 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ended cable services with XXXX and returned there equipment. When the collection agency called me I was informed that the charges were for non returned equipment. I returned the equipment to the XXXX store in XXXX Ca. I was told that they would investigate and return the call with an update. The next thing I received was a ding on my credit report.

Company response to consumer: Closed with explanation