milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express sent me a copy of another person 's driver 's license complete with their name, address, date of birth, signature and license number. When I called them to tell them they tried to tell me that I was mailed a scam letter and it was not from them. It was clearly from them since I accessed it directly through their " secure '' site. I called multiple times to resolve this issue and they hung up on me or put me on hold and never came back. I cancelled my card to hopefully protect my identity however I am not sure where / who has my personal information. They would not offer any assistance to solve the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer, meets FCRA requirements '', meaning that instead of correcting the report and sending me a letter to verify the alleged debt, they have suo motu decided that they were in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Greetings : I have been paying Wells Fargo Dealership for about 4 years for a XXXX XXXX XXXX. The installment is XXXX per month. I have never paid the account late. 

However, all 3 credit companies reflect a 1 time late payment for 30 days on XX/XX/2016, when it was not. I attempted to dispute the issue to the XXXX credit companies and submitted a Wells Fargo Letter as proof since WF indicated that it was an error on their part for this time frame. The credit companies advised that WF needs to update them and WF has not.

The WF letter states, " would like to inform you that an internal processing error may have affected the date that you received your loan statement between the months of XX/XX/XXXX and XX/XX/2016. Please note that we corrected the issue .... '' ( they have not ). Please help and assist if you can as this matter is reported for 7 years. Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Trying to get PMI removed and went through Ocwen 's process to have a new appraisal. Once that was done we had to put {$780.00} more toward principal to have PMI removed, sent in {$800.00}, they put it toward escrow. Got that fixed then they went back to our appraisal from 3 years ago. Now trying to get it removed before the 90 period is up for them to use the current appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MicroBilt / PRBC (formerly CL Verify) (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: MICROBILT and XXXX have been and are reporting inaccurate information on my credit report. MICROBILT and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. MICROBILT and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and MICROBILT asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and MICROBILT of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor MICROBILT have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a )  the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to MICROBILT on XX/XX/XXXX : XXXX.The following hard inquiry which should be deleted immediately is : Creditor Name : XXXX XXXX XXXX via MICROBILT Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint submitted on this property regarding Ocwen Loan Servicing. Please refer to XXXX attachments that provide a history of my experience. This is my second attempt having requested a Deed in Lieu on my property at XXXX XXXX XXXX XXXX in XXXX, NY. Despite weekly calls since XXXX 2015, this process is still not resolved. On my call today with Ocwen, I was informed by my relationship manager, XXXX XXXX, that my Deed in Lieu was denied due to the property evaluation being ordered but not completed because of lack of access to the property. I do not live in this property and have not had access to this property for almost four years. Ocwen 's Property Preservation Program is the only entity that has access and it was noted several times in my case file for the evaluator to contact them for access. The process has been stalled numerous times over the past several months due to things such as Ocwen not paying their attorneys fees and its relevant departments and contractors not communicating with each other. I was told that I was in the final stages of my Deed in Lieu process being complete until today. Now I am being told that I may have to start the process all over again through circumstances completely beyond my control. I need someone to review all case notes on this file through Ocwen and assist me with bringing this four year process to a close.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Auto debt) with Pacific Credit Exchange Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Explained to collection company ( Pacific Credit Exchange ) this is not my and i wish to dispute this, they replied " NO '' and hung up the phone on me. mean while the letter my bank received was a Live to take and block my bank account. this is not me in year 1989. never had car nor did i deal with a loan company " EVER '' i need help from you, please. saying i bought a XXXX XXXXXXXX XXXX ... .l never own a car like that. they are leaving me very confused and they wont let me DISPUTE this, Ive done as much as i can to try and clear this MISTAKE with no positive result, so what do i do next?

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capio Partners, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capio Partners XXXX XXXX XXXX XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In or about XXXX of XXXX I contacted XXXX requesting my account number so that I could cancel services with them and move to another phone company. I advised the representative to cancel my account, this was before the next month 's billing cycle began. That same day I went to XXXX and ported my phone number to them, leaving XXXX and cancelling my account. I did not use any of XXXX 's services going forward. Yet it seems that after that month 's billing cycle ended they continued it, not cancelling my account as requested. They apparently billed me, despite my request and despite the fact that I could not use their services at all as I did not have a device connected to XXXX 's network even for 1 day during the new billing cycle as I was with XXXX pre-dating the new month 's billing cycle. 

Today I got a credit alert that a company is trying to collect this false debt, with fees. I do not owe a debt, and I take issue with this company as well as XXXX because I ensured carefully prior to the new month 's billing cycle to cancel all services and cut all ties with XXXX, it would 've been impossible for them to provide me with any services as well.

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 02/25/2018 about Debt collection (Federal student loan debt) with AES/PHEAA (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a co-signer and I have tried in conjunction with the borrower to have my name removed from a loan I co-signed for XXXX XXXX. The first information we received from Navient was that if 12 consecutive on-time payments were received, we could apply to have my name removed. After that was done, we called back and were told that the following criteria needed to be met : 1 ) finish school ( he graduated in XX/XX/XXXX ) ; 2 ) 12 on-time payments ( done - in fact, has not had 1 late payment since XX/XX/XXXX - 47 on-time payments ) ; 3 ) Be a US citizen - he is a XXXX XXXX  ; 4 ) Be age of majority - he is XXXX years old ; 4 ) run a credit check - not a problem but has been told I can not be released because of a foreclosure on a house in XX/XX/XXXX. I can not understand why a 6 year old foreclosure would preclude the ability to have my name removed as a co-signer since XXXX XXXX has met all the above requirements and has worked at a steady job as an XXXX ( in his field ) for over 4 years. I am asking for help in releasing my name as a co-signer since XXXX XXXX is in a position to repay the loan, has made on-time payments for 4 years, and has a steady income that is twice as much as I make. I do n't understand why a foreclosure that is 6 years old ( that happened when the housing market fell in XXXX XXXX ) should be used against us for as long as it has. I have asked for information and am told since I am a co-signer that I can not help myself and have no rights in the matter. Please help - someone should not have their credit held up by a company when the borrower has the means to repay and has shown good faith that they are making their payments on time. I have read that Navient has a history of not releasing co-signers and since they are not willing to work with us, I am filing a formal complaint for some relief. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: I opened a credit card with Home Depot. I did not get a bill, so I had called them. At that point they assessed a {$35.00} late fee. I paid the bill in full for my purchase, which they have confirmed, but then they added another fee of {$35.00}, beginning back in XXXX of 2015. They keep adding a fee each month even though it is paid off.

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 05/18/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received call from "   XXXX   XXXX   '' claiming I owe a debt to some payday loan company. I do NOT. I owe ANY payday loans.
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They threatened to take " legal action '' if I did n't call. I did to listen to their lies -and they claimed a payday loan company named "   XXXX   XXXX   '' was their client.
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ALL completely fake and a complete scam. While they did have my 1st and last name and my last 4 digits of my SS # - they clearly bought this information and are attempting to strong arm me into paying a ransom. Illegal under Federal and State criminal laws.
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The BBB has them marked an F and a known scam in NY -- >   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    I demand they stop contacting me and purge all information they have in their system on me purged - immediately.  <P/>
This company must be shut down immediately to prevent further ID theft of others.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with XXXX XXXX XXXX XXXX XXXX innacuratley reporting and still as of today XXXX showing i owe this amount on my Equifax report although XXXX XXXX advised them and they promised they would take it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: My mortgage was transferred to a loan servicing company known as LoanCare. I called them on XX/XX/XXXX when I noticed that the property taxes due XX/XX/XXXX had not been paid, and was assured they would be paid on time. I noticed on my county website in early XX/XX/XXXX that they still had not been paid and called the company. They told me to send an email, which I did. I then received a delinquency notice from my county treasurer last week, indicating that they had not been paid. I emailed the company again, since I had received no response. That was on Monday and I still have no response. I called the company tonight and been on hold with their customer service line for an hour. 

My escrow balance is far in excess of the taxes that are due, by the way.

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 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I graduated from XXXX XXXX 2015 Navient was after me the entire time for payments while i was a student im sure the interest was piling up ... .i contacted them sent in payment stubs and gave my info to get on the income driven repayment plan ... .they said it would be {$0.00} but said if anything change let them know ... .they still sent emails to me saying payments were due even though i was suppose to be on this plan ... .now im in default and i was suppose to be on that plan ... .i did what they ask now i cant qualify for any grants because of this default and i want to return to school ... .i thought as long as you were a student you didnt have to make student loan payments ... .what do i do i got a lot of emails from them with all kinds of different payment amounts that were due ... .i tried attaching them but no luck give me an address and i will happily print them out and mail them or fax them in

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This is a medical bill that is showing up in collections as an open account on my credit report. I filed Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This medical bill was put under the Chapter XXXX Bankruptcy and should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Addresses were deleted and added back to my credit report without any notification to me as is required by the FCRA.

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 08/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AL).
Issue: Delinquent account

Complaint: My credit card company, American Express, has reported inaccurate information about my account status on my credit report with Equifax and other credit reporting agencies. In addition, American Express deceived and misled me into believing that my credit card account was current when it was in fact not current. American Express has reported that my credit card account was 30 days past due in XXXX 2016 and 60 days past due in XXXX 2016. That information is wrong and inaccurate based on my billing statements. For that period, I paid the minimum amounts due by each due date, as indicated on my billing statements. 
On my XXXX XXXX, 2016 billing statement, it stated that the minimum payment of {$170.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$170.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$50.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$50.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$190.00} was due by XXXX XXXX. Through electronic withdraws from my checking account, I paid that {$190.00} amount in XXXX installments on XXXX XXXX, XXXX XXXX, and XXXX XXXX - all before the deadline of XXXX XXXX. 
My XXXX XXXX billing statement is the FIRST time that American Express informed me that my prior payment of {$170.00} ( for the XXXX XXXX billing statement ) was not paid by my checking account bank. Indeed, as stated earlier, as of my XXXX XXXX statement, the only amount that American Express told me that I owed was {$50.00}, which I paid on time. American Express did NOT inform me on the XXXX XXXX statement that my payment of {$170.00} for the prior billing period was not paid by my bank. Thus, at the time I received my XXXX XXXX billing statement, I reasonably believed that my account status was current because that is what my statement expressly stated. Once I received my XXXX XXXX billing statement, I realized that my {$170.00} payment was returned, and then I paid the amount owed ( {$190.00} ) BEFORE the due date listed on that statement. 
I spoke to a supervisor at American Express on Monday, XXXX XXXX, 2016, and she refused to correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation