milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: On or about XXXX 2013, I completed my payments to American Honda Financial ( AMF ) account XXXX. I delivered the car per received instructions to a XXXX dealer located in the city of XXXX XXXX, California. At that time the vehicle was inspected and I was release of all obligations under this contract. A couple of weeks later, the American Honda Financial contacted me requesting information about the whereabouts of the car. I disclosed the information and they were unable to locate the vehicle for days. When the vehicle was finally located, AHF requested a payment of {$5200.00}. Since then I have requested information on why I owe this money, AHF has been unable to provide a detail explanation of the a ledge debt. Per my contract with AHF, I have fulfilled my obligations, now, my credit report has been affected by the unilateral actions of AHF.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My monthly mortgage went from {$480.00} to {$870.00} over the past two years. I have a fixed interest rate loan and the mortgage company listed the extra money due as Escrow for insurance and taxes. My property taxes are less than {$400.00} a year. I have called the lender numerous times only to get transferred to the " correct '' department that places me on hold for over an hour, then disconnects. This happened over the course of two days and more than XXXX phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: With Equixax, I disputed an adverse report-charge off from XXXX for {$87.00}, as not being my account. Equixax states that they are not reporting this account in my file, but they are reporting it as of XX/XX/2017 in my Equixax credit report # XXXX. Also Equixax will not provide a contact number or any reasonable and viable way to contact them to resolve this dispute, necessitating this complaint. And, XXXX Consumer Credit Dept states that they have no record of this account. I want this report removed or written proof that it is mine, and what the purchase was, etc. Thank you for your assistance and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've been trying to dispute this alleged collection debt of {$720.00} that XXXX XXXX ( CV ) claims I owe. I sent CV my first certified letter dated XX/XX/XXXX, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from XXXX XXXX should be ceased and removed from all my credit reports. 

CV replied with a letter dated XX/XX/XXXX, stating that they completed their investigation and found the debt " valid. '' Their verification included a letter from XXXX XXXX XXXX, which appears that CV contacted XXXX XXXX XXXX under " my name and current mailing address. '' That letter included an itemized bill, but no sight of any signature agreeing that I pay XXXX XXXX. CV 's evidence is invalid. 

I sent a second certified letter dated XX/XX/XXXX, which CV received on XX/XX/XXXX. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from XXXX XXXX since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my credit reports

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both XXXX and Bank Of America. I am a XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of a XXXX that I intend to file if XXXX does n't remove the negative/inaccurate mark from Bank Of America. 

Final warning.

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 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of XXXX XXXX and disclosed I made a recent payment while account was in collection, complete false. XXXX XXXX can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a hospitalization emergency surgery. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate hospitalization. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by 50 %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days late as of XX/XX/2015

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (KY).
Issue: Money was not available when promised

Complaint: {$9000.00} wire transfer sent on XX/XX/ and confirmed on XX/XX/ has never been credited to my account. This has been going on 13 days with no contact from Coinbase support. I was able to contact the bank and they initially told me no funds were received under my name. After providing further documentation they were able to find the funds under the Name of XXXX XXXX ( my bank ). I was told that the funds will not be able to be credited to my Coinbase account and that they will EVENTUALLY be returned to me. I am required to send an email to their compliance department. The email was sent immediately on XX/XX/ and was later returned undeliverable due to the address not being able to receive email. I have yet to receive my funds returned to my account. {$9000.00} tied up for 13 business with no end in sight. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document XXXX, has failed to update my credit file accordingly. 

XXXX XXXX XXXX Amount of XXXX Reason : Fraudulent Account

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 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2013 I went to the ATM to withdraw {$30.00} from my account it was declined because there was only {$20.00} available on this day I withdrew the {$20.00}. On XXXX/XXXX/2013 I had a XXXX however I received a notice from bank of America XXXX/XXXX/2013 stating that I had overdrew my account by {$8000.00}. How is this possible when I could n't withdraw my account by {$10.00}. I visited the bank and filled out paperwork disputing the charges I was told everything was ok. I have since tried to open an account and have been declined, and was told that I could n't open an account nowhere in the United States, This was told to me by an employee of Consumer Finance. I ask that you please help me in this situation it is not fair that I am being wrongfully accused of an action I did not caused. This has drastically hurt me I have been homeless and hungry at the time in question and {$8000.00} could have really helped me, this situation has caused me pain and suffering.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I make my monthly mortgage paymnets by an automatic withdrawn of my bank acct ea month : by the XXXX the total amount of the mortgage is paid and I am never late with the due payment. Starting XXXX XXXX I tried to refi this mortgage. The loan officer was super slow on her work : every several weeks or even months she would ask me more docs needed for the closing. On XXXX XXXX she told me she ca n't close because I had a shortage on my escrow account. I was asked to pay {$790.00} for that escrou to be brought up to day. I send the payment on XXXX while I was also making my regular monthly payments. On XXXX XXXX I was short about {$75.00} ( rounded up ) due to my fault as I forgot to modify the automatic payment to reflect the new increased monthly payment due to the modification of prpperty taxes. Conclusion : although I made extra payment towards the shortage on escrow and I made all mothly payments in time, PHH mortgage mingled with my funds : it took money dedicated of paying the mortgage and dedicated to the escrow making the mortgage to be in defauls for two months. I had several discussions with representatives, all located in XXXX, and I receive daily collection calls for me being at " default '' with my mortgage payment. All this is not true as per above my mortgage is paid in a regular basis in full by automatic withdrawn. I made a complain to the president of the company about this situation early XXXX. No conclusion. The letter received on XXXX/XXXX/XXXX tells they are still investigating where is my money. Definetely the book keeping is very bad or somebody mingled with the money : they are unable to give me a decent explanation of why they stop applying the payments to the mortgage and kept my monthly payment twice. I figure now in their books that I pay about $ XXXX mo and change instead of my {$840.00} send monthly from my bank account. The result of this messy book keeping affects my credit report as I figure in pre foreclosure proceedings. None of the representatives I spoke with is unable to track down where is my {$790.00} send in XXXX, why they stop applying money send towards the payment of the mortgage and why I figure out as paying $ XXXX while up to XXXX I send ea month {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Debt collection (Mortgage debt) with Veripro Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Company is trying to collect a debt which is barred by the Florida Statute of Limitations. Payment on the note was due in XX/XX/XXXX.More than 5 years have passed since default and collection/payment is barred from collection activity at this time.This is a clear violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing deliberately mishandled a payment I made through their XXXX XXXX XXXX in XXXX XXXX XXXX. Again, the payment was made through their XXXX XXXX service and I have confirmation. The company has routinely ignored my inquires and recently sent me a statement alleging the charges for that payment were reversed. I confirmed with my bank that funds transferred. I am in the loan modification program and ensured that I was never 30 days late throughout. I believe this is a deliberate attempt by Ocwen to break the law as they have done with so many other homeowners. Today, some unidentified person was on my property. When I confronted them, they said, without producing any identification that they were there on behalf of Ocwen. I am being harassed and I have done everything right. Homeowners are at the mercy of this unethical company and citizens need your help. Please advise next steps.

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 10/27/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MO).
Issue: Struggling to pay mortgage

Complaint: In XXXX I asked for a loan modification. They asked me to submit required documents. I submitted them by email and they were acknowledged by the company as being received. In early XXXX I was notified that they were closing my case due to a failure to submit documents. I provided an email chain to the loan service supervisor he agreed it was closed improperly and had it reopened. 30 days later, in mid XXXX i was again notified it was closed for failing to supply updated documents. I again contacted a supervisor and it was reopened. In early XXXX i was informed my request was denied because I did not make enough money. I was told to make more money then reapply. 

Since that time i have fallen one month behind on the payments, I have attempted to contact them several times to review the options. Typically i am on hold for 30 to 45 minutes when the call disconnects or it is answered and then i am hung up on without ever speaking to anyone. It is apparent from the behavior of this company that i am getting the run around on loss mitigation. ( Loan modifications )

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