milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.

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 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a dept. was put on my credit report by XXXX XXXX apartments in XXXX TX and then given to a collection company for collection and they put it on my credit report, I paid it so it did n't hurt my credit have written them to ask for proof it was mine they said then did n't have to give it to me it would just stay on my credit I also wrote all collection companies they said I needed to contact collection company no one wants to prove what THE SAY AND XXXX XXXX APARTMENT SOLD SO A DEAD END THERE I am XXXX years my home is paid for I have never lived in XXXX tx or signed for anyone there. can you help me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Company complaint is with Ocwen Loan Servicing. Back in XXXX of XXXX Ocwen proceeded to pay my homeowners insurance as instructed to do so in contract, with XXXX XXXX XXXX, A check was mailed to XXXX at XXXX XXXX XXXX XXXX, XXXX, Ill. XXXX ; as noted on check # XXXX, dated XXXX/XXXX/XXXX and a copy of which is included with this complaint. ( See attachment ) On the back of this check is endorsement stamp by company XXXX and has a persons signature on it too. Deposited in XXXX XXXX bank. XXXX claims NEVER receiving this check ( for this reason, XXXX cashed it ). So XXXX preceded to notify Ocwen that they still needed payment for the homeowners policy to remain in effect, so Ocwen, instead of telling XXXX that they sent a check to their office in XXXX Ill, they write a second check of {$950.00}. See attachment, included ). So now I 'm really short funds in my Escrow account with Ocwen. I thought this matter was resolved in XXXX, after much conversations with Ocwen agents concerning this matter. I received my escrow account summary in XXXX of XXXX and notice that my balance is way negative, so I 've been trying diligently to get this matter resolved but with NO success. Just being told we 're working on it. Well they been working on it for almost XXXX years. So I do n't believe it, and I need help getting my {$950.00} back in my escrow account. I just want the {$950.00} restored where it belongs in my escrow account so I can have a new escrow evaluation and my monthly payment reduced. Also attached is my first page of my escrow summary for XXXX, which shows Ocwen 's contact info and my loan number with this account.Loan number is also on both copies of the canceled checks. Also attached is a word doc that lists Ocwen agents I contacted recently and the agent at XXXX I talked to that said she would try to locate the check in question and she forwarded a copy to agent at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I took out a loan through XXXX last XX/XX/XXXX. I have been contacted by a law firm in Texas called XXXX XXXX XXXX XXXX XXXX, saying that I owe {$700.00}. I live in Ohio and this company is in Texas. I contacted XXXX, and my debt was sold to United Debt Holdings ... and the debt was for {$500.00}, verified by XXXX, and UDH. United Debt Holdings told me that they sold it on XXXX XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of Georgia. None of this makes sense since I am in Ohio. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Williams & Fudge, Inc (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message, they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from " Williams & Fudge, '' a debt collection agency. I believe this is who are behind the calls, but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people, especially for a debt that 's not mine, and especially when they wo n't actually tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: We had paid for a trip with XXXX using our Citi Credit card. The company took our money and then never returned it or paid the XXXX party for the service. The company essentially stole our money without providing any good or service. We noted this to citi multiple times noting that XXXX had taken our money and then declared bankruptcy. Citi noted there was nothing they could do besides for disputing claim with XXXX and their merchant bank. I believe this would constitute a billing error and Citi has never sufficiently answered this problem concerning the issue. It appears citi credit cards provide no protection and citi is unwilling to be responsible for stolen funds from our credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this complaint because XXXX | Trans Union | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
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, XXXX I purchased some tickets through XXXX for a show on XXXX XXXX, XXXX for {$300.00}. Due to medical circumstances I could not attend the show for which I purchased tickets and insurance. 

XXXX ticket company did not fulfill their obligations by forwarding the purchased insurance from XXXX XXXX XXXX. XXXX has not responded to numerous e-mails and phone calls. XXXX sent 9 pages of unreadable screen captures as their response to Capital One. 
No one at Capital One could read XXXX 's response. Not even Capital One 's " supervisor. '' XXXX claims ignorance. Six months later on XXXX XXXX, XXXX sends me an insurance policy that says the claim would need to be filed before the show took place in XXXX XXXX. 

Capital One resolved a dispute in a AXS 's favor even though the vendor did not provide a legible response. They did not contact me to let me know they had decided an outcome. They could not give me a reason why the dispute was decided the way it was. I 'm stuck in the middle three different XXXX dollar corporations that have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (I do not know) with PASCO, Inc (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid off my XXXX XXXX and have n't used it in 6 months. I received an alert that my credit score dropped from over 750 down to 620. When I looked at the reason, it was due to an unpaid fee on this XXXX XXXX card. 

I never received notice and because I had already paid the card off I did n't have any reason to check the cards balance. I called the company and complained and closed the card, when I asked if they could help with my credit score they said " it is what it is '' and that was the end of that. 

This is troubling since XXXX it 's the only cc I have and 2. I have had a nearly perfect credit score for many years now and this one incident has caused a significant dip.

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 09/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied for HAMP program on XXXX/XXXX/2015 ( See attached letter ). My attorney requested the NPV chart tied to that Making Home Affordable Program ( HAMP ) review and Ocwen states I was not denied for NPV so they are not required to issue the NPV chart to the me. If I was actually reviewed for HAMP, then I want the NPV chart to make sure the correct values were used as I believe I qualify. The only conclusion I can come to is that Ocwen is blocking me from review for HAMP and HAMP 2. or the investor of myloan is not partivipating in HAMP. However, Ocwen states my investor is participating in HAMP and that I was reviewed for HAMP and I simply do not qualify. My attorney has run the NPV on check my NPV web site and it comes back positive ( See attached ). I do understand that there are variables that can change with each investor, but I do not understand why Ocwen refuses to give me the NPV and disclose the numbers they used in the HAMP review. Ocwen is evading issuing me the NPV chart after denying me for HAMP and HAMP 2. My attorney believes the program ( HAMP ) requires servicers to issue the NPV chart if they deny a borrower for the HAMP program. I was offered a regular modification with worse terms than I would be offered with HAMP. It appears Ocwen is doing this on purpose and they are unwilling to review me for HAMP and isssue the actual ( NPV ) findings solely to offer me a worse deal with worse terms which I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Senior discrimination at its worst. After forgetting my online login information for Citibank credit card account I called service number to have it unlocked. I used my granddaughters cell phone because the volume on my house phone is to low, because I called using her phone the costumer service rep put me on hold for almost 20 minutes to create a fraud notice on the account ( find this out about hour later ) after being transferred 3 times and left on hold over 30 minutes at one point trying to have my issue resolved. This caused extreme frustration called a different Citibank department to have the card shut down service rep became incorrigible why I became confused and asked them to speak up as I could not hear them well was placed on hold another 20 minutes and told they would not shut down my account and that no one at the company had the authorization to close an account. That seems ridiculous, considering calling a lawyer.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Capital One Auto Finance did not comply with the Fair Credit Reporting Act, Section in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file. On XX/XX/XXXX I obtained my annual free credit reports from XXXX. I noticed that Capital One Auto Finance had an account listed about me that is time-barred. The date of opening is incorrect and furthermore I did not authorize Capital One Auto Finance to report this account on my credit file. I called Capital One Auto Finance on or about XX/XX/XXXX to ask them to delete the account because it is too old to be listed on my credit file. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX  XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three  credit bureaus wrote back to me stating that Capital One Auto Finance verified that the information about the account was accurate and that it would remain on my account. I am distressed that Capital One Auto Finance continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : Capital One Auto Finance # XXXX This Account is too old to be on my credit file. The opening date of this account is incorrect. There is no contract for this account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with National Arbitration Forum (MS).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from an " officer '' XXXX XXXX. He called with no caller ID and claimed to be working with my county and threatened to come to my home or place of employment this Wednesday to serve me. Said I would need a supervisor present and a valid state ID. Said to call XXXX immediately to prevent being served. The number left is for dispute resolution services, a collection agency. They are misrepresenting themselves as a legal agency and are using threatening tactics.

Company response to consumer: Untimely response
Consumer complaint received 02-01-2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling in excess of 12 times per day and refuse to let me consolidate my loans. Use multiple phone numbers to keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH XXXX XXXX ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS XXXX PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXX IT SHOWED 180 DAYS LATE FROM XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XXXX TILL XXXX OF XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT ALEXANDRIA DOCKET NUMBER IS XXXX. I CONTACTED BUREAU OF FINANCIAL INSTITUTION IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.

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 10-06-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: I have had a Best Buy credit card for a number of years. I have only used it a few times over the course of several years. I have it set up on autopay and I do n't receive a paper statement so I do n't check the account regularly, as there is no need. Recently I logged into my account and was going to pay off the card when I noticed that despite my monthly payment, the balance has not changed that much. I began to look at my statements and noticed a charge every month for Debt protection. I called customer service to inquire about this charge and was told that it was added to my account in 2004. I informed the representative that I DID NOT authorize or sign up for this. They processed my request to cancel this from my account. I also requested a full refund of all the fees including interest that I have been charged over the course of the last 12 YEARS!!! I received a letter in the mail confirming that this debt protection had been cancelled and that they were crediting my account for 3 months of charges as a " courtesy ''. This is unacceptable. How can they get away with fraudulently signing consumers up for programs they did not authorize? I demand a full refund of the unauthorized fees and any interest charges that accumulated because of 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 monetary relief