milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: Approximately XXXX 2016, fraudulent activities transpired on my accounts with Wells Fargo through automatic tellers machines ( ATMs ). Since I am unemployed and no longer in school, there are no frequent activities made by me such as deposits, withdrawals, transfers etc. On XXXX XXXX, I was notified by my mother that I received an email from Wells Fargo stating my online log-in information ( ID and password ) had been changed. On XXXX XXXX, I was again notified that Wells Fargo forwarded another email stating a HOLD was placed on my account. Upon returning home later that next week, on XXXX XXXX, I received a letter stating fraudulent checks in the amount of {$4000.00} had been deposited and charged to my account. Amazingly, this account has never ever held that amount of moneys. I could not imagine any institution paying out that amount. I was a college student and had recently graduated. I called and after being transferred several times, spoke with XXXX. I filed a claim and stated I should hear something withing 5 business days. On XXXX XXXX, I received four separate letters ; each contained a copy of a fraudulent check. On XXXX XXXX, I forwarded a follow-up letter to Wells Fargo stating to close the account immediately ; not to wait for the scheduled closing of XXXX XXXX. I telephoned on XXXX XXXX, again transferred numerous times. Finally connected to XXXX of Loss Prevention. I had to summarize the situation. I asked did she see the communication with XXXX. She replied 'no '. Upon asking the status of the account, she responded, " The amount of {$4000.00} has been recovered. There is a negative balance of {$2.00}. There was a physical withdrawal in the amount of {$300.00} that needs to be satisfied and you as the account holder is responsible. '' It was then that I stated, " why? '' She emphatically stated that " you had to give your card and PIN to someone. '' No, I did not. XXXX ( Wells Fargo Rep ) refuted my " no ''. My mother listening informed her that she was giving out fraudulent information ; bank cards are skimmed every day. Apparently, that was the case. I had been 'skimmed '. I research information and Identity Theft Expert, XXXX XXXX proved it to be the case and recommended that customers access ATMs at banks only. Again, I informed XXXX from XXXX XXXX that on XXXX XXXX and XXXX XXXX, I received two emails and Wells Fargo should have been aware that my account had been compromised. The history on the account had never showed frequent deposits of any sort.

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 12-06-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We have been with Nationstar for several years. We fell behind in our mortgage due to life situations ( roof leaking, house flooding, water heater breaking, refrigerator going up ). We have attempted on Several occasions to get some type of assistance from Nationstar. We have have mailed, faxed, documents for a modification several times over the years. We have received constant responses like we did n't get them, someone will call you and they never do. Recently we received paperwork telling us we needed to make a payment by XXXX XXXX or our account would go into foreclosure. When i called on XXXX XXXX the day i was paid they refused to allow me to make a one month payment. Even though we would not be 90 days delinquent until XXXX. They wanted us to make a payment of XXXX dollars. I even tried getting them to take the payment on XXXX and then schedule XXXX for XXXX and they refused. They told me to file another modification request if i could not produce XXXX dollars by XXXX. This time i uploaded the documents directly to their website and am awaiting a reply i we have many time over the years. Nationstar has not been a company willing to help you through the years. They sit back and wait to take your property. Each representative you talk to tells you something different and when you call no one is helpful in helping you resolve your issue. This company would not allow me to make a one month payment which would have kept my home out of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (WV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Today a fellow Co-work contacted me stating that a XXXX XXXX from Cavalry Portfolio Services was requesting to speak to me. They are contacting me at my place of employment and I know this is not permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've contacted Experian Credit Agency. I have not received a response from Experian with the original documentation proving this medical bill from XXXX ACCOUNT # XXXX actually belongs to me and should be posted on my credit. I sent a certified letter requesting the original medical records showing I signed for these services on XX/XX/2017 They are reporting this same account and amount owed two separate times on my credit report. I want these negative accounts removed from my experian report for lack of providing original documentation proving it belongs to me.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 02/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The issue I am having with Navient, is that on several occasions they have continually not processed information correctly, most recently my forbearance that was to be from XXXX XXXX through XXXX XXXX. I have called them several times to get the forbearance processed correctly and keep getting the run around. Currently it says I am past due with them, but I should not have a payment due until XX/XX/XXXX. I contacted them XXXX/XXXX/XXXX and was granted the 3 month forbearance. Subsequent contact was by email XXXX/XXXX/XXXX with no response, and phone calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Every time I spoke to a representative they blamed the previous for not doing their job correctly and swear they fixed it with end result still being that the account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Incorrect information on your report

Complaint: Franklin American mortgage is reporting my account as late 120 days or foreclosed, depending on which credit report you look at. We actually had a buyer for our home, but Franklin American would never give us the payoff amount or call us back. Their incompetence caused u s to lose our buyer. The foreclosure was improper and is now being misreported.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On Sunday,  XXXX   XXXX ,    2017,  I,  XXXX   XXXX , received a telephone call from a debt-collection agent. The agents name was  XXXX   XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I,  XXXX   XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with  XXXX   XXXX  lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( #  **************** ). This account has been collect ed, [  unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On   XXXX   XXXX   XXXX    , I received a call from  XXXX . I did not answer nor did the caller leave a message. I looked up the phone number on  XXXX  and the number came up as  XXXX   XXXX .     I tried to call the number back, it is actually a debt collector called, The Revenue Group.     They are impersonating themselves pretending to be a legit company to trick the receiver of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have never been late on a mortgage payment. My current mortgage is with Ocwen and my payment is {$2900.00}. I made my XXXX payment on XXXX/XXXX/14 and transposed the last XXXX digits, paying {$2900.00}. Ocwen held the funds, did not post the payment but put on my account, and did not notify me. When my XXXX bill arrived, it showed that I was short the {$54.00}, which I promptly paid with my XXXX payment. Then Ocwen started sending me foreclosure paperwork and added a 30 days late payment to my credit report. I called Ocwen, and the individual I spoke with agreed that this seemed incorrect, but did n't have the ability to fix. I asked for it to be escalated, so he forwarded to their credit department and promised that someone would call me. No one ever did. 30 days later I received a letter that stated due to policy, unless Ocwen receives 100 % of the funds, they do not have to post the payment. I do n't think my credit report should reflect a 30 day late mortgage payment due to a {$54.00} error. This will affect my ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE CONTACTED THE ORIGINAL CREDIT AND THE COLLECTION AGENCY FOR PROOF OF SERVICE FOR THIS MEDICAL BILL. I WAS PROMISED TO HAVE IT RESEARCHED AND TO RECEIVE IT VIA MAIL. NO ONE CAN TELL ME WHAT THE BILL IS FOR, WHEN SERVICES WERE PROVIDED, AND WHO WAS THE PHYSICIAN. I AM ASSUMING THE RECORDS DO NOT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AZ).
Issue: Making/receiving payments, sending money

Complaint: I made an accidental purchase through an online retailer and cancelled the order immediately, as this retailer does n't have a review screen ; if you accidentally hit purchase it automatically processes the order. I have always ordered through PayPal and in this specific circumstance PayPal provided me incorrect information regarding the cancelled order and processed a refund on a purchase that sm was n't supposed to post. Several phone calls have proved to be pointless based on the fact that they prefer to place the blame on the retailer not themselves. A purchase authorization for a specific dollar amount was withdrawn from my bank account several days after the cancellation but processed Several different transactions causing nearly {$200.00} in bank fees on my account, just to be refunded days later yet all the fees incurred remain. I 've spoken to the retailer and PayPal several times with no resolution or accountability. Paypal also processed my refund as a credit card when it was a debit card and they keep giving me the runaround because of how they charged my card! PayPal used to be a safe haven for online shoppers but over the past year or do, I 've noticed that PayPal has begun processing transactions in ways that put the consumer in an " at fault '' position when PayPal has options to rectify its own wrongdoing but refuses to do so. I will be moving my business to XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i have ask on a number occasion to validate.and XXXX have refused to supply me with the information. This account is over 7 years old.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Further to my Complaint no.   XXXX   and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application.  Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective custo mers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (IL).
Issue: Problems when you are unable to pay

Complaint: The creditor calls my workplace on several occassions knowing that it would be difficult in my work setting and my employer does not allow phone calls at work. The creditor also sent a letter to me stating that they will notify my employer of the debt in order to get payment in 5 days if i dont set up payment arrangements even after wage assignment had been withdrawn by me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Medical) with Ballato Law Firm, P.C. (VA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received a notice from Ballato Law Firm advising me that my debt was in collections and will be prosecuted if not paid. I immediately called and made payment arrangements. I spoke with XXXX who advised me that because I made arrangements I would not have anything to worry about and would not need to go to court. Te arrangement was for $XXXX a month however I was making $XXXX payments a month. I advised XXXX that I was making a month payment in advance and she said she would document that. I had made payments without lapse since the arrangement was made. The end of XX/XX/XXXX I received a notice advising me they had filed a judgement against me for non payment and that I should make payment for the remainder immediately. I have been calling them incessantly to have them remedy this to no avail. They have been very dismissive and make excuses for why they ruined my credit. They refuse to discuss the matter although arrangements were already made. They had no reason to file judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I obtained a mortgage loan with CCO Finance through Citizens Bank. I was required by Citizens to open up a checking account and pay the loan from this account, which I did. I opened up the checking account at Citizens with {$500.00} and funded the new Citizens checking account by setting up a monthly automatic draw from my checking account at XXXX XXXX XXXX. I confirmed that the XXXX and XXXX XXXX payment to CCO mortgage was timely paid ; I then stopped reviewing this account as it was on autopay. Twenty-two months later, in XXXX XXXX I received a letter from Citizens that I owed the bank {$2300.00} in penalties and interest as each payment from XXXX to Citizens was deemed late. 
According to Citizens, most auto transfers from XXXX were late. According to XXXX, the monies timely cleared each month from the beginning of this loan. I provided XXXX substantiating documentation to Citizens showing each XXXX payment timely cleared. 
Based on the XXXX and XXXX records, of the 21 autopays ( which was made by check from XXXX to Citizens ) ; 10 cleared on the day the check was received ; 5 cleared 1 day later ; 1 cleared 2 days later ; 2 cleared 3 days later and 3 cleared 4 days later. I inquired why is took upwards to 4 days for a check to clear from an account with history ; Citizens was unable to provide an answer to this question. 
Citizens set up an overdraft protection account and drew from this account each month. I never set up the overdraft protection account. I specifically requested documentation from the bank showing I set up this account ; they are not able to provide this documentation. 
I asked Citizens why they informed me of this overdraft situation after 22 months ; they were not able to answer this question. 
I closed the aforementioned Citizens checking account in XXXX XXXX and paid directly ( autopay ) from my XXXX account. There have been no late payments since XXXX XXXX. 
I determined that of the {$2300.00} ; {$1800.00} was monies from the Citizens overdraft account and this amount was paid back to Citizens. Citizens still claims I owe {$740.00} in penalties and interest. 
I pay some XXXX creditors monthly for personal and business purposes using autopay and never have had a problem with late autopayments. 
I spoke with numerous Citizens representatives over a six month period in an attempt to resolve this matter. 
I spoke several times with a representative from the Citizen 's Office of Chairman in an attempt to resolve this matter and provided all relevant documentation. 
Citizens just sent the remaining {$740.00} to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Privacy

Complaint: There is illicit financial flow. I suspect hidden transaction. Fraudsters advanced. I am still there. That is very unfair.

Company response to consumer: Closed with explanation