milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I received a letter from Professional Credit Services attempting to collect a debit in the amount of {$230.00} listed for collection by XXXX XXXX XXXX XXXX XXXX. I did not incur this debt. 

I immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on XX/XX/XXXX. 

In the meantime, I sent an email to XXXX XXXX - XXXX XXXX XXXX. I wanted to know how an account was established in my name when I never applied for it. 

XXXX XXXX XXXX at XXXX XXXX - XXXX responded to my email. She said someone drove into a transfer station on XX/XX/XXXX, dumped a load of solid waste, but could n't pay the fee. The transfer station had to open an account to collect the fee at a later date. 

The transfer station used a vehicle registration to open the account, but I no longer owned that vehicle. I sold it on XX/XX/XXXX. I informed XXXX that I had submitted a properly filed Report of Sale to the Washington State Department of Licensing on XX/XX/XXXX, and that I can not be held responsible for a debt incurred on XX/XX/XXXX. XXXX XXXX informed me that Professional Credit Services have to substantiate that. 

On XX/XX/XXXX, I mailed another letter to Professional Credit Services via Certified Mail. The letter included a detailed explanation of how the debt came to be put in my name. I also provided adequate proof that it was not my debt. I included a copy of the Report of Sale as evidence that I did not own the vehicle when the debt was incurred. I also provided a copy of the Bill of Sale bearing my signature and the signature of the new owner. 

I have a Return Receipt showing Professional Credit Services received my letter on XX/XX/XXXX, but on XX/XX/XXXX, I received another letter attempting to collect the debt. 

The collection notice included debt verification in the form of a receipt bearing a signature of the person who incurred the debt. The last name is not legible, but the first name looks like " XXXX. '' It 's not my signature and it 's not the signature of the buyer, XXXX XXXX, as it appears on the Bill of Sale. 

The debt verification also included a computer screen print showing the account information on file with XXXX XXXX XXXX XXXX. The driver 's license field is blank. XXXX XXXX admits that the transfer station did not obtain any identification from the driver. The account information shows a phone number, but the number has never been assigned to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX XXXX XXXX to Bay View Loans. Shortly after, Bay View Loans reduced my loan payments. In XXXX they XXXX my mortgage payments saying my escrow account was low. I have owned my property since XXXX. I have always had a fixed rate loan and incorporated my tax and insurance into my payments, for this very reason! I am not in a financial position to handle such a dramatic fluctuation in my expenses. They claim to have under estimated my hazard insurance by about {$3500.00}. However, I have been with XXXX since XXXX and my hazard insurance only increased by {$29.00} this year! I am unable to pay this new amount and am in danger of losing my house! I believe my account was mishandled intentionally and I should not be held responsible for their mismanagement of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (CO).
Issue: Problems when you are unable to pay

Complaint: My car was a total loss in an accident XXXX. Prestige Financial accepted the payout settlement from essurance for {$3100.00}. Prestige still falsely charged off {$4300.00} even after we were under bankruptcy protection. I have written Prestige directly and disputed their claims on all XXXX credit bureaus without success. If this does notget resolved our next plan of action is to seek legal counsel and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other

Complaint: My wells fargo credit card got decline at the store couple of times, I went online to check the status & found a note to call at the number. When I called them, i came to know that they blocked my card & provided no reason for that. On requesting further details, I have been asked to visit the branch. I requested them that during office hours, I may not visit your branch & kindly provide an alternative. On that note, my request is forwarded to the concern dept & since then I am waiting for call. On calling them to inquire about the update, the officers appears to very rude. 
It has been more than 24 hours but card is blocked & nobody is giving any explanation to me, why they have blocked it. If they need to inquire about any transaction activity or else, they should have called me before blocking my card. I felt very embarrassed at the store. You are requested to take strict action to ensure that going forward any other consumer would n't face such inconvenience.

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 10/21/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with Equifax several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX, Equifax and now XXXX. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call Equifax and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX Collections could. I could dispute it so, I had XXXX Law dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( Eqyuifax ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed years ago and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my XXXX report, I called XXXX on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX XXXX it should have been paid from of that money. I have asked XXXX Collections to provide me with a list of what I have paid and so far I have not received anything. Why can XXXX XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: Wire transfer done on XXXX ' 2016 coming from an XXXX customer, was deposited into the wrong account number and for the last 3 weeks I 've been dealing at different levels with Wells Fargo Bank and nobody seems to know where the money is or when it will be returned to the sender for initiating another transfer.

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 11/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: XXXX 2015 was a record XXXX in XXXX Washington. As I was moving into property at XXXX XXXX XXXX WA. It was changing from XXXX level to XXXX level evacuation. Fortunately that area was allowing traffic to flow both ways and on good days I continued to move in. After spending nearly {$10000.00} cleaning, repairing broken pipes, pumps, electrical issues and roofing, I was able to pass XXXX and XXXX inspections and finish moving in. Both Wells Fargo XXXX XXXX XXXX XXXX were informed by the Owner that we had a lease agreement and that I was occupying the residence. In XXXX 2015 there was a Sheriffs sale and the next day someone trespassed and changed the locks on the house while I was out of town. When I tried to file a criminal complaint the Sheriffs office told me, " The Bank ordered the locks replaced. '' Neither Bank admitted doing this criminal act and the company ( XXXX XXXX XXXX, XXXX XXXX WA. ) handling the Sale of this property denied having the locks changed and then agreed there is a year of redemption in effect with the owner. The trama & frustration was devastating. XXXX has a class action law suit addressing this issue state wide. Thousands of renters, lease agreements and present owners have been locked out illegally. This should never happen to legal occupants and I pray restitution for these actions.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out {$13000.00} in student loans in XX/XX/XXXX. I have added up all of my payments over the life of the loan ( XX/XX/XXXX - XX/XX/XXXX ), and I have paid more than {$24000.00}. The loans were transferred to Navient in XX/XX/XXXX, and now with fees and interest, they are claiming that I still owe over {$42000.00}. Their records only go back to XX/XX/XXXX ; they do not show any records from the time I took out the loans, so the bulk of my payments are not on their records. I have paid off my debt, but Navient keeps charging me fees and interest. I do n't know how to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been taking measures to improve my credit the past few months. In XX/XX/XXXX I disputed a collection account on all three credit bureaus. The collection was listed as XXXX XXXX ( account # XXXX ) for {$180.00}, original creditor was XXXX XXXX XXXX. I have no knowledge of this account. My ( XXXX ) dispute results came back on XX/XX/XXXX with the results stating that the account was removed from my credit report. XXXX and XXXX also removed this account after completing online disputes. On XX/XX/XXXX, this same account, Original creditor XXXX XXXX XXXX for {$180.00} was reinserted on my credit report by all three credit reporting agencies. It is now listed as a collection from Diversified Consultants ( acct # XXXX ). I am not sure why this debt keeps resurfacing as it is not mine, and also I never received any notification in writing or otherwise pertaining to this debt or the fact that it would be added back onto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Medical) with Arnold Scott Harris, P.C. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from XXXX XXXX on XXXX/XXXX/2015 from Arnold Scott Harris debt collector. I was not aware of the outstanding debt for XXXX ride on XXXX/XXXX/2015 from XXXX XXXX. I never received a bill and XXXX would not give me any information regarding how I could get a copy of the bill. I searched and found the number of the XXXX XXXX XXXX and talked to XXXX. She verified that the address XXXX city ) they had on file was incorrect which explains why I never received a bill. She also said she could not send me a copy of the bill and told me there was nothing XXXX XXXX XXXX could do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with McCarthy, Burgess & Wolff, Inc. (FL).
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: On  XX/XX/XXXX , I opened an account with  XXXX  for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on  XX/XX/XXXX . On  XX/XX/XXXX , I received the first notice relating to this matter from  McCarthy, Burgess and Wolff.  I never received any communication from  XXXX . After receiving that first noticed, I immediately called  XXXX , spoke to  XXXX  #  XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency,  I spoke to  XXXX   (  operator ), and she then transferred me to  XXXX   XXXX  (  XXXX  ext  XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on  XX/XX/XXXX . Furthermore, the  XXXX  statements have the wrong address. That is not my address, nor as it ever been.  XXXX  stated that she would submit a dispute on my behalf. Then, on  XX/XX/XXXX  I called and spoke to  XXXX , she said that the dispute was never done by  XXXX   XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor  XXXX   XXXX  ext  XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on  XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that  XXXX  put me in collections unlawfully, which impacted my credit report for equipment that was returned on  XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and  XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: On XXXX XXXX, 2017 I made an online purchase for a pair of sunglasses. The company, XXXX XXXX sent me an email stating they were out of stock and would I like to wait or cancel the order. I immediately sent them an email back stating I wanted to cancel the order. I heard nothing back. I sent numerous follow up emails, attempted to call them several times and got nothing but a recording and no ability to leave a voicemail. This company had charged my credit card and I wanted them to credit my Citi Mastercard for the amount they charged which was {$140.00}. 
Since I had heard nothing back from them and the charge was still on my credit card, I put in a dispute with Citi Mastercard. I sent Citi a paper trail of the emails I sent to this company requesting they cancel my order and credit my account. I waited over a month for an update from them. They then advised me they were closing the dispute in favor of the merchant because I did not have a cancellation number from the merchant. 
This is an unjust decision because the merchant was negligent in responding with a cancellation number, never sent the sunglasses and I have no control over any of those items. I did everything I possibly could to resolve the situation. I believe Citi Mastercard should have done more to protect my rights as a consumer. I called Citi numerous times, spoke to supervisors and they still advised there was nothing they could do to help. They told me that is Mastercard rules and regulations.

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