milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, XXXX XXXX, and Capital One finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved. 
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail. 
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All negative reports should be deleted from my file. Each account has been paid to the original creditor.

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 06/22/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, 2015 XXXX. After the XXXX, I was XXXX not quite myself. Somehow I overlooked a payment for my XXXX mortgage and paid it one day after the thirty day deadline. I am working very hard to maintain good credit so that I can refinance my home. However, PNC Bank, my XXXX mortgage, would not remove the delinquency from my credit report, even though this was a circumstance I could not help. I tried calling them twice and writing them twice as well, but they would not listen to my appeal. Please advise me of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I received a letter from Citimortgage stating that they would no longer be servicing my mortgage, effective XXXX XXXX, XXXX. The letter is dated XXXX XXXX. I am aware that banks are entitled to change mortgage servicer, however I thought they were supposed to give 30 days notice.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: If im calling care credit about the account number they said they can not find it but it hurting my XXXX XXXX. i want my information so i can make any action to fix it and .i have some issue i want to be honest yes i co sign this person in my care cedit but i wander why this company aproved base in my information this person using ng wrong XXXX. i find out this when im asking why he dont me he said he is fine because his XXXX is fake. why this company aprove. i hope you can help me about this a i can give you more information

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 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, XXXX ( r ) and TransUnion ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for Transunion, XXXX, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note Transunion, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.

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 11-06-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (GA).
Issue: Unexpected or other fees

Complaint: I was asked to obtain a money order as a deposit to rent property. I obtained the money order in the requested amount from XXXX and submitted to the real estate agent for XXXXXXXX XXXX XXXX. I wrote " XXXX XXXX XXXX '' on the money order. Thereafter, the lease fell through. The agent returned the money order. I have since taken it to my local bank, spoken to my on-line bank and the XXXX at the same location of purchase. I have the money order and the receipt in my possession, and the payee is in my handwriting. 

XXXX advised that vendors are not permitted to accept returned money orders. They referred me to the Western Union website and the XXXX telephone number. The number is a recorded line and there is no option for an agent. 

Basically, I have {$500.00} tied up in a worthless piece of paper, and I want my money back now. Western Union voice recording requests {$15.00} to be paid in advance to them to " refund '' a money order. That is akin to a stop payment on a check, but I have possession of the money order. The {$15.00} fee was never discussed prior to obtaining the money order, nor was the length of time to obtain a return of my funds. 

How can I get my money back without further expense or additional time?

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing statement

Complaint: I made a purchase with my Macy 's American Express account in XXXX XXXX for {$48.00}. I would get my statements delivered to me through my online banking service. When I tried to use my card again in XXXX XXXX, it was declined so I called the company. They said my bill was 2 months overdue. I explained I had not got a statement at all and I did not use the card monthly, therefore, I did n't track whenever I was supposed to receive a statement/make a payment. They offered to forgive {$19.00} of my fees/interest charges. I had always paid my bill on time in full. In XXXX, my credit union switched to a different online bill pay provider, but my credit union stated that Macy 's should have sent me a paper statement. I called Macy 's American Express again and this time I was told that there had been a letter sent out in XXXX stating that they were no longer going to be sending statements electronically through my credit union 's bill pay. I do not recall receiving this at all and what I do not understand is why the company never sent me any statements until I asked them to.

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 09/21/2016 about Bank account or service (Other bank product/service) with Comerica (GA).
Issue: Making/receiving payments, sending money

Complaint: there was a gentleman unknown too me that used my credit card to pay his Georgia power bill acct # XXXX on 3 different occasions. The first transaction was on XX/XX/XXXX {$140.00} the second was on XX/XX/XXXX {$250.00} and XXXX more transactions on XX/XX/XXXX {$320.00} XX/XX/XXXX XXXX. I filed these transaction with my bank and they closed the case because someone did a balance inquiry check and they say they are unable to determine if fraud occured. I informed them that I did n't check my balance so It had to be the person that payed there bills with my card. they asked me to send in further documentation so I sent the a Power bill that I got from the landlord that was for the same amount and date which was on my credit card statement and the account name they still did not reopen my case so thet gave me the option to speak with the merchant directly so I have spoken to the merchant in regard to these transaction and was informed that they would credit the charges back to my account if I can give the full XXXX digit card number that was used to make the transactions I indeed gave them the card number and was told the transaction was in process of being reversed. I called to follow up the next day to see if the charges was reversed and someone told me that they ca n't reverse the charges because they are fraudulent and they told me that XXXX was misinformed to reverse the charges. they told me I have to contact my bank. So I informed to them that I do n't have a bank and the card that was used is a prepaid card. I gave them the dates, amounts and the whole XXXX digit card number in order for them to look up the charges they found them and I was told they would be credited back to my account by customer service Rep XXXX ID EXTENSION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It was confirmed to me that me personal information ( SSN, DL info, DOB, etc. ) was part of a data breach of equifax 's system. I feel they are not only negligent in their lack of safety measures to prevent this from happening but were not quick enough to reveal this to their customers which also allowed senior executives to divest their stock. Which we are supposed to believe happened by coincidence and nothing illegal occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo has been erroneously reporting derogatory information regarding account ending XXXX to the credit bureaus since XX/XX/2013 in XXXX separate areas, one as collections and the other as a charge off. This duplication is causing excessive inaccurate credit reporting and reducing my credit score. I am requesting Wells Fargo to delete the tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am not pleased that TransUnion did n't resolve my issue with a credit card com- pany, XXXX XXXX, which I never had a card with. I understand they took over XXXX cards, but I always paid my bills on time and certainly was n't 3 months delinquent! They also had a telephone number with a Area Code XXXX for me and I have never lived in the XXXX area! This stuff is still the very first entry on their 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 non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Hello I am writing this today because I am aware of transunion had 2 glitches. There glitch made people 's inquires get deleted. Then they added them back on. This is clear violation of the law. I am suppose to get a 5 day notice to inform me. I have asked transunion multiple times to delete my inquires of my report. They are in clear violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I accepted services for a fumigation from XXXX on XX/XX/2016 with an ending invoice of {$2300.00}. 

After the fumigation, I was not satisfied with the ending results so I called and spoke to the manager, XXXX XXXX XXXX ( branch sales manager at the XXXX XXXX office XXXX ; email is : XXXXXXXXXXXX ) After our conversation he agreed to adjust my bill by {$460.00} due to damage to the interior and exterior of my home and unsatisfactory service ; reducing my payment to {$1800.00}. I have the original letter stating the adjustment in my possession. The letter is on the company 's letterhead and has the signature of the branch manager. 

I paid the {$1800.00} in full by XX/XX/2016. 

To date, I have been receiving collection calls for the remainder of the balance of {$460.00} which should have been waived according to the letter. There has not been any communication between the XXXX office and the collection agency. I have been put in the middle between both parties saying that each of them will speak to the other and resolve the issue, yet I continue to receive calls for the " delinquent '' bill and no one ever seems to know what I am talking about. 

At this point I would like to get this resolved and make sure that I do not have any negative reporting to my credit report due to this oversight. An employee from the XXXX call center named XXXX XXXX said I do not have to worry about the credit report aspect but is it going on 90 days " past due '' and generally all 90 past due accounts are reported and since the collection agency has no proof of the adjustment it may be a chance I have been reported. 

I have spoke to multiple people from the collection agency and XXXX and have not received any calls back from either institutons. I have kept detailed notes on times, dates and names regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (VA).
Issue: Other transaction problem

Complaint: I have been blacklisted on XXXX, a cryptocurrency exchange, for trying to use my debit card to make a purchase. Wells Fargo, for whatever reason, flagged my activity on the site as fraudulent behavior and rejected my purchase. Now my card is blacklisted on the site. This would not be as big of an issue if XXXX was n't one of the only legal US cryptocurrency exchanges. XXXX is doing their job and keeping their customers best interests in mind to protect them from scammers. Wells Fargo is acting outside of their domain and interfering with legal personal activities in which they do not have the right or jurisdiction to do so.

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 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account report with XXXX and experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I orderd some clothes off the internet online XXXX compiney was Chief- Inforcement apereal.com $ XXXX # XXXX and the other XXXX was XXXX XXXX XXXX XXXX and am a Student I.D. # XXXX IL. XXXX where thay where deliverd at was XXXX XXXX XXXX XXXX XXXX MN. XXXX Ph # XXXX The dead line is here and I wont my clothes Bank where the transactions would have been made was Wellsfargo XXXX XXXX XXXX XXXX MN . XXXX Ph # XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation