milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Debt collection (I do not know) with I.C. System, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Describe what happened so we can understand the issue ... 
I am requesting that during this 60 day Investigation. That the items in question related to XXXX XXXX be removed from my credit report until the outcome has been finalized. This is part of the pending litigation pertaining to this matter as well. I am represented by a law firm and I am requesting that the site to be removed during the dispute and litigation. 

This is my second request. I have also disputed with the data furnisher twice.. 

cc : my attorney and authorized representative : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This past XX/XX/XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. In XX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally on XX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that XXXX was still reporting that I had the loan and was behind on payments. I tried contacting Transunion and did a dispute and whe the investigation was complete it stated it was correct from the info they received from XXXX. I have disputed this on 3 occasions now. I have also contacted XXXX on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MOHELA (AL).
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 filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XX/XX/XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XX/X/2017 about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted validation letters to Equifax about accounts listed on my credit report that are not mines, and that I have no knowledge of. Equifax submitted letter back stating " verified, '' and I submitted letters requesting that Equifax provide me with proof that the account is mines and they have yet to provide me with proof. 

Account : XXXX XXXX XXXX & : Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Fraud or scam

Complaint: Paypal offers the use of PayPal MyCash which allows consumers to add money which can be transferred to the holder 's PayPal Account. Within the past few weeks, it appears everybody is having issues getting these cards to work. 

Paypal will not admit there is anything wrong either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2016 about Debt collection (Auto) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I filed a dispute against XXXX on the CFPB XXXX responded and did not remove Harley Davidson, They said this was joint with my husband. This is guilt by association. XXXX never provided me with a contract that I signed neither did Harley Davidson in XXXX XXXX Nevada. This is not my debt, and should be taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing/Cancelling account

Complaint: My Complaint is in regards to my credit card with Bank of America there was a payment made in XXXX made through and Insurance company that I purchased through Bank of America in the event I had any life changes. The problem is I was just made aware that Bank of America no longer conducts business with them. As result I 'm out of the money that I paid to the insurance company. Well XXXX there was a refund sent to Bank of America on my behalf. Instead of Bank of America sending me the check they applied as a a credit which brought the balance down. No problem right. None for me as well however not only did they bring the balance down they said that is not a payment. Its a credit, I said this is something that I paid monthly and its not like I went to the store and purchased something and than returned it in that case that would be a credit. This service was to be provided for customers in the event they were unable to pay there bill. The issue is Bank of America accepted the payment and than charged me late fees .Closed the account and reported me late to the credit bureaus. I 've made a numerous of attempts to reach out to them and have yet to have this matter resolved recently my wife reached out to your office and a complaint was submitted and we received correspondence from a woman by the name of XXXX XXXX who works with XXXX department of customer care for complaints. Let me start off by saying she was absolutely rude and combative and I hope I never need to deal with her again. She sends us an email stating she wants to resolve this issue please give her a call and than we call her and she is very combative. My wife resubmits a complaint addressing the level of dissatisfaction we received only for the complaint to go back to the same person whom was the one that was being combative. The problem is Bank of America is receiving my money that I work hard for applying to the account and saying there is n't a payment that was n't made because this came from the insurance company. The insurance was again in the event I was unable to pay my bill they would pay it. Although Bank of America no longer does business with this company. The insurance company refunded the consumers some of the money and it was either sent as a check. Bank of America takes my money and than says there is not payment it is a credit. Which cant be a credit because that was a payment made for a service that was never rendered. What Bank of America is doing is stealing. They are charge me a late fee for something that was n't late. Its no different if I have a friend pay my monthly bill. You cant say your applying that payment as credit because someone else paid and that charge me late payments. That is completely unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: Ocwens negligence and unwillingness to provide an escrow analysis or a breakdown for my   XXXX   XXXX    escrow adjustment caused my   XXXX   XXXX  , escrow analysis to have a higher shortage than expected.  Ocwen  failed to disclose that they were spreading my escrow payments ove r 56  payments. Ocwen failed to notify me in a timely manner about the changes with the escrow so that I would have a chance to minimize my shortage. Ocwens failure to provide proper notification caused an additional increase in my monthly payment, because I had to request that my escrow payment be spread over  12  payments, and not the spread that was previously used to avoid any more unnecessary increases. Ocwen failed to provide the information/material when I first requested it, but later sent the information on   XXXX   XXXX   XXXX  , after I received the new escrow shortage in   XXXX   XXXX       On   XXXX   XXXX   XXXX   Ocwen 's attorney emailed a breakdown of the capitalization and down payment amount that was used to calculate my {$110000.00} modification beginning balance. However, the calculations and dates Ocwen used to get the same {$110000.00} beginning balance was calculated and adjusted differently on the transaction report they provided.     On   XXXX   XXXX   XXXX  ,  Ocwens  attorney provided a response and transaction history used to support her response about my concerns with my year to date principal payment totals on my  XXXX  and  XXXX  statements. Ocwen negligently and carelessly failed to include my {$1000.00}, payment on the transaction history report that they provided with the correct  XX/XX/XXXX , received date. Ocwen failed to correctly deduct my {$800.00} modification down payment from my {$1000.00} payment, and apply it with the correct  XX/XX/XXXX  received date. Ocwen failed to include the correct capitalized amount and date for my   XXXX   modification on the transaction/payment history they provided. Ocwen failed to re-apply my {$200.00} balance from the {$1000.00} payment with the correct   XXXX  , received date. Ocwen negligently reversed my {$800.00} down payment from a suspense account and re-applied it with a  XX/XX/XXXX  received date.  Ocwen  negligently reversed and re-applied {$200.00} + {$600.00}  (   XXXX  {$800.00}  ),  contractual payments received between  XXXX , with an incorrect  XX/XX/XXXX , received date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (TX).
Issue: Trouble during payment process

Complaint: Our loan is currently being serviced by   Seterus.
<P/>  Recently our account was locked out from logging in online.  <P/> We have tried resetting it, we have called and the people on the phone do not have the ability to unlock accounts.  <P/> The website is unreliable and from the representative 's own words " sometimes works and sometimes does n't work '' We have been charged a late fee already

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (UT).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX 's website is non-functional for me. I had a username and password. They redid their site and my old sign-in did not work. I have tried more times than I can count to sign in with what I have recorded or to use the " forgot username '' or " forgot password '' function. I have tried to initiate a new account. Nothing has worked. There is a phone payment function but today it took me THREE CALLS for it to finally get me to the right place and accept my payment. My time is quite valuable, so it can be argued that such trouble costs me up to hundreds of dollars each time. I have spoken with customer service and have emailed complaints SEVERAL times. I always get an email back saying I will be contacted to resolve the issue and I never am. Today I was frustrated to the point of calling my former mortgage servicer and inquiring about a refinance. It could be easily done but the cost involved makes it impractical. As bad as I want to be rid of Franklin American, I do n't wish to pay thousands extra to do it. I think they should be forced to repair the problem and compensate me in some way. I do a great deal of banking and purchasing on line and can honestly say I have had nothing close to this level of difficulty. The problem has persisted for over six months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (I do not know) with PREFERRED CREDIT INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft. 

Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I Called Experian And Asked For My Annual Credit Report Like I Do Every Year And For The First Time Ever They Refused Citing That Because I Moved Recently That They Need To Verify My Change Of Address ( Out Of All The Times I Have Moved This Is The First Time They Are Refusing To Let Me Have My Report Based On Me Moving ) I Tried To Give Them My New Address They Again Refused, Gave Them My Old Address And ALL Info For Verification And They Still Refused Saying That Either Need A " Creditor '' To Verify The New Address ) Or Send A Copy Of My Driver 's Licence And Social Security Card Which I Do Not Feel Comfortable Just Sending Through The Mail To And Risking Identity Theft Just To Prove Who I Am, And Them Asking Me To Risk Identity Theft, That Is Just Wrong.Asking The " Creditors '' Would Be Perfect, Please Call The Hospital Where All Bills Originate From ( XXXX XXXX XXXX XXXX XXXX And Ask For Verification Of My Current Address ( You Could Ask The Collection Agencies Also As I Am Sure They Have My Current Address Also ) And Also My Current Address That I Need Experian To Change It To Is Also The Address You Will Be Answering This Complaint To.Thank You.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (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 previously disputed an account listed as AMERICAN CREDIT ACCEPTANCE on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the XXXX  account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called XXXX on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.

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 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.

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 05/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word document.

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 09/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX XXXX, XXXX, I had XXXX XXXX XXXX deposits sent to my account, XXXX around for XXXX  and another for {XXXX}. The {XXXX was sent first to my account before I completed my transaction purchase at a store for XXXX. Once the funds were sent, I completed my purchase at the register because the funds showed available in my balance on my XXXX app, as I already had funds in my bank, plus the XXXX} that was sent to me. The XXXX deposit for XXXX was made after my purchase, however this did not matter as the funds were sufficient for the XXXX or at least that was what I was shown on my XXXX Banking Application on my phone. This morning, I wake up to find that XXXX has charged my account a {XXXX} insufficient funds fee. I called and spoke with a banking representative and was told that my deposit were made after XXXX pm XXXX XXXX and as such would not be processed until today. I am in XXXX, and on my banking app, the funds were shown in my balance, and that is why I felt comfortable making my purchase. I can only trust what I see in my app to be true. XXXX has refused to refund me my XXXX fee. I believe that they purposely deceived me and likely do so to many others, making billions off of middle class Americans just trying to survive so they can make billions of dollars in profit. I was shown that I had the funds available. I made the purchase based on what I seen. Now XXXX took XXXX dollars of my money to illegally and XXXX make a profit off of someone who works hard, pays her taxes, and at the same time struggles to make ends meet. I would like my {XXXX dollars back as it was illegally taken from me.

Company response to consumer: Closed with monetary relief