milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX  refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX  credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan modification,collection,foreclosure

Complaint: The lender is denying the clients mod review due to them stating that they can afford the current pmt - The clients had a loss of income and could not comply with the terms of previous mod approvals - requested the lender to take into account that the client now has the income to support a mod and the willingness to comply with the terms they set forth - The lender has stated that the client has reached the number of approved mod that are allowed - The guidelines do not have a limit to which the clients can be approved for a mod -

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 01-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Owcen Loan Servicing is demanding that I pay for their home insurance, although I have never been without insurance and have faxed them a copy of my policy as they demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: DEBT RECOVERY SOLUTIONS DATE ACOUNT OPENED : XX/XX/XXXXAMOUNT OWED : {$570.00} So after receiving my annual credit report I had noticed that this entry DEBT RECOVERY SOLUTIONS has reported to all 3 Credit Bureau 's that I XXXX XXXX owe this company {$570.00} I have attempted to dispute this charge with credit bureaus cause i have no knowledge of this account or where it even came from. The Original Creditor Name to my knowledge according to the Credit Bureau is listed as XXXX XXXX XXXX. I have not been to any Emergency Room sinceXX/XX/XXXX. With the exception of a hand injury at work in which was a work mans comp situation and I was treated at XXXX XXXX XXXX not an Emergency Room. So I am disputing this charge cause this charge was not from me, and I ask DEBT RECOVERY SOLUTIONS to remove these charges from all 3 Credit Bureaus and properly investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX.  There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.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 explanation
Consumer complaint received 09/14/2016 about Debt collection (Credit card) with Stellar Recovery, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked XXXX and read that my credit was poor. I did further investigation and found that everything that I am in debt for are n't from me. I did not open the accounts, nor did I make payments to the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been a victim of identity theft since at least  X/XX/2017  . I filed  an initial fraud alert with  XXXX  and they forwarded it to  XXXX  and Equifax. I received confirmations from   XXXX   ( dated   X/XX/2107   ) and   XXXX    (  dated   X/XX/2017   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency (   XXXX   XXXX   XXXX   [  XXXX   XXXX  CO  ] Police Department )    XXXX   XXXX   information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''. However, I 've tried the various phone  XXXX  options on each of the phone numbers given in the confirmations (  XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my credit score and would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on  XXXX  ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Captchas particularly those with ragged text on multi-colored backgrounds and those asking  one to  click on the pictures that have  X ( c ars, traffic signs, boats ) in them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Problem when making payments

Complaint: My last payment was made  XXXX   XXXX . I am late on my  XXXX  and now my  XXXX  payment. I am not 60 days late yet.     They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and   XXXX   ( t his cost money ) and it will not make money magically appear in my hand to pay their bill.     I have tried to tell them I get paid on the  XXXX  and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I AM GETTING HIRED AND THEN DENIED A JOB BECAUSE THIS SITUATION KEEPS SHOWING UP ON MY BACKGROUND CHECK ....
Explanation from XXXX XXXX XXXX The XXXX XXXX XXXX they were all misdemeanors at an AZ casino. The court documents show the fines were paid, happened years ago however remain on my record but as far as my explanation I was playing XXXX and XXXX XXXX and was banned from a casino in AZ and the only reason I have these multiple charges is that I did not know the other casinos were owned by the same XXXX XXXX because it would have my profile show up in their security database. <P/> The only reason I was doing this is because I needed to make some extra money when I was laid off in order to make ends meet. I am not a criminal whatsoever and never will be and do n't have any felonies on my record. <P/> Let me give you an example?
XXXX
If you got a speeding ticket it states on the ticket criminal speeding. Does that make you a criminal? NO.
XXXX
This is not like I trespassed into someones house or something. It was at a casino and should be off my record and background check. Please understand because I am being denied jobs from employers because of this and need to make a living.
XXXX
As far as the XXXX XXXX there was a miscommunication because a taxi driver said I didnt pay him when I paid him in cash. A police officer came to my house because the cab driver filed a report against me. I was not arrested and the police officer said just take him to court so the cab driver did. The prosecutor said XXXX XXXX this is stupid and you dont want to have it on your record so I paid him again, it was signed off by the judge in XXXX, and the charges were dropped which I have provided the documents for.

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 07/31/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Rewards

Complaint: Recently I closed a citi bank credit card. It was opened for me when XXXX changed from XXXX to Citi Bank. Upon closing the card the Citi representative told me I would forfeit my reward dollars. This does not seem right. My rewards $ 's was small, but I 'm sure some people lost large dollars and in the aggregate it represents a windfall profit for Citi Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$420.00} This ACCT. is charged off. Error please delete inaccurate. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$0.00}. This ACCT. was transferred. Error please delete inaccurate.

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 08-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit card protection / Debt protection

Complaint: The company cancelled credit protection on my account and I notified them of an unemployment claim submitted supporting documents and they fail to process my claim. Under the terms of the agreement I am still entitled to those benefits eventhoigh they no longer offer it as long as the incident took place while I was enrolled. I notified them of an unemployment XX/XX/XXXX for loss job XX/XX/XXXX. They purposely did n't process the claim die to the fact they no longer offer the benefit. I feel this is false advertising and fraudulent. They claim they have no record of me contacting them. I feel this is a scam to not be forced to pay on my unemployment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not validated I contacted Online Information Services to have them validate an unknown credit collection account ( XXXX act # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor showing that I sign a contract with the company

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I was charged the below fee for a check that was dishourned and I feel this {$12.00} fee i is very unfair since I have so much of money with Wells Fargo. 

Date : Fri, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : Wells Fargo : Checks deposited into your account have been returned wellsfargo.com Checks deposited into your Wells Fargo account have been returned The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$140.00} from your account XXXX. 
Date Reason Check number Amount Returned deposited item fee XX/XX/2016 Stop Payment XXXX {$120.00} {$12.00} Total returned deposited item fee ( s ) {$12.00} We are sending you a paper copy of these checks via U.S. mail, which includes the front and back image of the returned check ( s ) for your reference. 
For the most current balance and more account details, as well as access to deposited check images, sign on, go to Account Activity, and choose this account from the dropdown menu. 
If you have questions, please call us at XXXX, XXXX hours a day, 7 days a week, or contact us by secure email. 
Sincerely, Wells Fargo Online Customer Service wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to send a secure e-mail. 
You are receiving this alert because you are an online banking customer. To modify or cancel your alerts, please sign on to Set Up/Modify Alerts. 
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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I did not understand the interest on the balance, the amount is more than what I was told and not I 'm seeing a decrease with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have health insurance that would have covered this debt. It should have went to insurance after I paid my co-pay

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with CAVALRY INVESTMENTS, LLC (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: although I paid the collection, I realized I NEVER had a contract with the collection agency. so im promptly that this collection be removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Rewards

Complaint: I was mailed a promotional offer by Citibank for a Citi / AAdvantage Platinum Select Master Card which included an offer for XXXX American Airline bonus miles after making {$3000.00} in purchases in the 1st 3 months. I met the purchase requirement, and contacted Citi to ask about the status of the miles. I was told that I do n't qualify for the promotion since I had the same credit card in the past 24 months. I knew there was a restriction on opening and closing cards to keep people from taking unfair advantage of the offer, and it used to be 12 month. It had been 14 months since I last had a similar account with Citi. However, Citi was mailing these promotional offers every few weeks, so I called the Application Line to find out if I qualified. I specifically asked the agent if I qualified for the XXXX mile promotion, and assumed she had access to my account history to confirm eligibility. The agent confirmed that I qualified for the XXXX mile promotion, and that I would receive the miles as soon as I met the purchase requirement. There is no question that the Application Agent told me that I qualified for the promotion. I never would have signed up for the credit card if I had n't been guaranteed the bonus. Today, Citi customer service said that it does n't matter what the agent did or did n't say. They will not give me the frequent flyer miles even if the agent promised them. They agreed to go back and listen to the application recording, but stated that it wo n't matter because at the end of the call the agent would have read a disclaimer that overrides any promises made during the call. I understood the disclaimer, which is why I asked if I was eligible for the promotion. I did n't remember exactly how long it had been since I had been a previous Citi customer, so I had no way of knowing whether or not I was eligible. I relied on the Application Agent to tell me - and she said " yes ''. I 'm not an expert on laws governing over-the-phone financial applications, but at a minimum I think Citi is obligated to fulfill the commitments made by their employees. This appears to be a very deceptive practice, with similarities to what XXXX XXXX has been doing to their clients. While there is no cash value associated with these miles, XXXX airline miles could be used for XXXX domestic tickets which could cost {$500.00} or more each.

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