milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2015 about Credit card () with SYNCHRONY FINANCIAL (RI).
Issue: Other

Complaint: Paypal smart connect was impacted by fraud/unauthorized access. Previous complaint with consumer finance filed. No I longer have access/see my account online. I have ceased getting statements/have no record of the account or what the current balance is. 

The account is compromised, and I 'm not sure what portion of the balance on the account is even mine at this point. I 've been cut off from managing it and XXXX ( and its partner bank ) are non responsive. 

I need to know the status of this account and I need to make sure that any late status on this account is n't reported as my fault as I am currently unable to manage/access the account. 

Account number : LAST XXXX - XXXX ( Not really a credit card, but a line of credit linked to a XXXX account that ONLY works with a XXXX account XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I traded in my XXXX to XXXX XXXX financed by 3 months before the termination of my lease and purchased a XX/XX/XXXX Escalade with 0 % financing. 4 weeks later I had to turn in the XX/XX/XXXX Escalade as the dealership had made a mistake by offering 0 % financing on a XX/XX/XXXX I turned the car in and they replaced it with a XX/XX/XXXX XXXX which I have today and is being financed with Ally. 
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I informed XXXX 1 month before I swiched auto insurance companies that I was looking for better priced Insurance. I found insurance for half of what they were charging me with XXXX XXXX PA. and replased XXXX with XXXX. XXXX now is reporting to XXXX that I owe them over XXXX dollars and this is in collection and is refusing o remove this from my credit report. 

In the state of Pennsylvania all insurance must be paid for prior to service, How can owe them anything? 
Car insurance is paid 1 month in advance also and I did not get any money returned for that or my home owners insurance. 

This is labeled collection Service # XXXX exact amount XXXX.dollarslus you can lose your right to dive if you do not have insurance these people did this also and I was pulled over and checked for insurance by XXXX Police.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Managing the loan or lease

Complaint: I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. 
I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX violated the FCRA, by not notifying me they were furnishing derogatory information to XXXX, XXXX and XXXX. XXXX XXXX XXXX is required to notify me prior to, or no later XXXX days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of information was going to take place. This is required under the FCRA, section XXXX, subsection ( XXXX ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The purpose of this complaint is that Experian has disregarded my request in providing me with appropriate documents showing validation on the disputed accounts. I do not recall having a contractual agreement with the disputed accounts. Since validation can not be made under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- the agency is required to " ... promptly delete all information which can not be verified. '' Thank you very much for your help regarding this problem.

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 07/22/2017 about Debt collection (Credit card debt) with Modlin & Associates, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX 2017, filed extension with court to continue abusive collection proceedings under false claim that they had obtained new service address. I offer proof they have had my correct address since before XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Payday loan () with Real Time Resolutions, Inc. (CA).
Issue: Received a loan I didn't apply for

Complaint: My name is XXXX XXXX XXXX and I am disputing the accuracy of the information o my XXXX Credit Report. On XXXX/XXXX/XXXX, received a copy of my XXXX Credit Report. The dispute is with REAL TIME RESULTIONS # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ). I do n't recall opening an account with the aforementioned retailer. My Bankruptcy discharged XXXX/XXXX/XXXX. 

Placed for collections : XXXX/XXXX/XXXX Balance {$1900.00} Original Creditor : XXXX ( Retail ) Should you have any questions regarding this matter feel free to contact me at the contact information below. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/XXXX, I opened a checking account with Wells Fargo, XXXX, WA. During the timeframe, I was having problems with the checking account due to the systematic problems that Wells Fargo was having with our direct deposits and charges of {$35.00}. The direct deposits were being posted after the incoming bills so I was being charged NSF in the amount of {$35.00}. On XXXX XXXX, XXXX, I talked to XXXX, and she was did not assist me regarding my complaint. She informed me that my daughter who was attending college, I was added to the account, as I wanted to ensure my daughter had sufficient funds for room and board. XXXX, Executive Office, was providing me the information on the direct deposits that were being posted, and informed me that I went over some bills. Thus, being charged {$35.00}. I ask XXXX to mail me the transaction summary in order to review all direct deposits, checking accounts, and charges of NSF in the amount of {$35.00}. told her that I do not know what she is reviewing, and I would like a copy mail to me. She failed to acknowledged my request. XXXX, was unprofessional as she was speaking to me in an unprofessional manner and also too fast. In XXXX XXXX, my husband, filed a complaint with CFPB, regarding the {$35.00} which were approximately XXXX charges in three or four months period. XXXX, Wells Fargo, had contacted us in order to address the issue. However, nothing has been resolved. On XXXX XXXX, XXXX, I talked to XXXX, Executive Office, to inform her that my daughter was having problems with Wells Fargo and that she could n't transfer any money being with hold by Wells Fargo. She is on vacation, and could n't obtain money from her current checking or savings account because she is need of money. XXXX told me that she will try to get a hold of her.

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 11/25/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (AZ).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo Financial Bank opened up an account in my name without my authorization or permission, and sent me a XXXX XXXX XXXX credit card ending in : XXXX, I never applied for the XXXX credit card account. The XXXX credit card account has a current balance of {$4300.00} which is not my charges or credit card account. I contacted my 2 U.S. Senators from Arizona, thats U.S. Senator XXXX XXXX and XXXX XXXX in regards to my issue. Senator XXXX and XXXX sent me a letter assuring me they would look into this matter and contact executives from Wells Fargo Bank to seek an immediate resolution to this matter. Senator XXXX informed me that hes considering calling Wells Fargo Bank Executives to Congress for more senate confirmation hearings on my issue and other constituents in their district complaining of the same issues and problems. Wells Fargo Bank Executives has appeared before Congress for congressional hearings the last few years to answer for Wells Fargo Bank opening up millions of checking and credit card accounts in peoples names all over the country without their permission or consent. Wells Fargo Bank just settled a National lawsuit for opening up accounts all over the country in Americans names without their permission or consent. I was part of the class action lawsuit and Wells Fargo Bank just credited my checking account XX/XX/XXXX for {$85.00} as part of the class action lawsuit settlement for opening up a checking account in my name back in XX/XX/XXXX/XX/XX/XXXX without my permission or consent.

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 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Williams, Rush & Associates, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: William, Rush, and Associates contacted me about someone elses account. They have left frequent messages and the debt does not involve me in any way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
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: In XXXX, I received notice that my credit score went down due to a late payment of {$6.00} from XXXX XXXX XXXX Bank. I called them as I was never notified of the {$6.00}. In addition, I paid this account in full on Line in XXXX. XXXX XXXX 's said that it was an automation process and would take care of this issue immediately. By the end of XXXX, the credit reports were corrected and my credit scores went back to over 800 where they should have been. NOW, in both XXXX and XXXX, I contacted both verbally and online, the TRANSUNION agency as they reverted My credit score back to the 600 's after the problem was fixed. Both times they sent me stating the problem had been resolved but have not set my credit score back to the 800 's. I am just totally frustrated with TRANSUNION. They are the worst. I want the problem solved. Thank you.

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 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is against Ocwen Loan Servicing. 

I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. 

I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. 

On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. 

But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. 

When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. 

What did they do wit the money they collected from me? 

This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This letter is a formal dispute for a charge on my account for the amount of {$320.00}. I should not be held responsible for these charges because I never received the services from the merchant XXXX XXXX XXXX / XXXX. I paid for the package on XXXX and I attempted on many occasions to contact the merchant to make my vacation package reservations and ultimately to cancel my services without success. As of today, I still have not heard back from the vendor. When I booked my package, the merchant promised to make it easy and convenient to book my travel dates and to make my vacation the very best it can be. At this point, based on my experience with the merchants customer service and given the fact that I was never able to get through to a reservation agent, I prefer not to do any business with them at all. I am requesting that you please investigate the situation as soon as possible and that the charges of {$320.00} and finance charges related to the disputed amount be credited to my account Please be aware that whether I cancelled or not, when I called the merchant to get my services, they were evading me. Enclosed are copies of documentation supporting my position and the terrible and unprofessional experience with this merchant. Last update XXXX XXXX, 2017, Citibank claimed that they mailed me documentation from the merchant which I never received. They asked me to go online and check the letter that was in my electronic correspondence and I did, unfortunately, the letter had a due date of XX/XX/XXXX. I do n't think it is fair that this merchant get paid for services that were not provided. As of today, X/XX/2017, I have not received services from the merchant or the documentation for me to review. I reaffirm that I did not receive any service from the merchant. I am also confirming that the merchant is unwilling to provide the service.

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 09/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Using a debit or ATM card

Complaint: I reported a fraudulent charge on my XXXX Debit Card from Citibank on XXXX XXXX, 2016. The charge was posted to my Account on XXXX XXXX, 2016 from a XXXX for {$39.00}. Citibank issued me a new XXXX Debit Card that I received the following day. I am still awaiting for the {$39.00} to be credited bank to my checking account. Citibank said that I would receive the credit bank within 5-7 days. It has now been 14 days. I contacted Citibank via their online message center and received a message from a XXXX XXXX that stated " Great News, I see that there is a credit in your account for {$39.00}. '' The only {$39.00} credit in my account was from another merchant ( XXXX ) who had charged me {$39.00} for a membership that I had cancelled. I never made any authorized charge to any XXXX. I have not been credited for this Fraudulent Charge by Citibank and they seem to be playing Dumb about it. CitiBank has sent me no paperwork to sign attesting that this was a fraudulent charge. There is no paper record that I disputed this charge. I have had to dispute charges in the past with other banks and have always receive some kind of paperwork to sign and at least have a paper trail that I had made a dispute. This charge caused my account to be overdrawn and Citibank charged me multiple fees. I feel that this is a scam.

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 12-11-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an account with XXXX XXXX XXXX that was charged off due to financial hardship and in XXXX XXXX 2017 I paid the debt collector XXXX who has failed to notify the original creditor ( XXXX XXXX XXXX ) that the account was paid in full. I have tried to reapply for a XXXX XXXX XXXX card as I need to rebuild my credit and now XXXX XXXX XXXX advises me that they ca n't remove the mark that my account has been charged off even though I have paid the account off. I have sent XXXX XXXX XXXX notification that the account has been paid in full and they said they have no record of the account being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with Eastpoint Recovery Group, Inc (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: East Point Recovery group has continued to call my employer, family members and landlord after I 've already provided them with my cell phone number and told them that I am working with a debt consolidation company. I even gave them my account number and phone number to that company handing my debt.

Company response to consumer: Closed with explanation