milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX a deposit of {$2700.00} was made into my checking account. I did not make the deposit, neither did my husband, who also shares this account. The same evening I called to report the deposit and spoke to a Chase rep who put me on hold at first and later said the money was meant for my account. I took no further action believing the bank would discover its error and correct it. The deposit slip was from some immigration company and the deposit was for an insurance company. The deposit image is no longer available for me to copy and submit. On XX/XX/XXXX upon logging into my bank acct I noticed a XXXX balance in my checking acct and a balance of {$230.00} in my savings acct. I spoke to three people in three different departments and I was told the {$2700.00} was deposited in error and debited from my checking acct, however the amount of {$2200.00} was transferred to my checking acct for overdraft protection. I was told the money is " on hold '' until XX/XX/XXXX. As of present I am missing {$520.00} from my checking account and {$2200.00} from my savings acct. My desired outcome is to have this money restored back to my acct immediately not in the near distant future.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016 I sent in my monthly payment for XXXX 2016 in the amount of {$3400.00}. Ocwen received that payment on XXXX XXXX 2016 at XXXX. In the form of check # XXXX which breaks down as follows : ( 1 ) {$1100.00} for the regular monthly mortgage payment, and ( 2 ) A extra {$2300.00} to be applied to the principal. I had clearly stated this as you can see on my monthly mortgage coupon and at the bottom of my check. Ocwen failed again to apply my funds correctly. Ocwen applied ALL of my check to only the principal and nothing to the monthly mortgage payment. Since they did this my account still shows that I owe a payment for XXXX 2016. This is not correct. I am a month ahead on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (I do not know) with Premier Recovery Group (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received several voicemail recordings from XXXX XXXX XXXX ( XXXX ). Latest one was today XX/XX/XXXX at XXXX EST. They claim that I have an unpaid loan and need a statement from me or my lawyer. I have spoken to them in the past and informed them I do n't have any outstanding debt, and to send me a letter via mail with any statements. They have yet to do that. I asked them to stop the harassing phone calls, and that has not stop either.

Company response to consumer: Closed
Consumer complaint received 12/30/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (PA).
Issue: Problems when you are unable to pay

Complaint: I have no knowledge of this loan and it is reporting negatively on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have called, emailed and faxed to Equifax that they are not reporting my current credit cards, Why is it that XXXX and XXXX can do everything right except Equifax. 
I want my XXXX credit cards that i use to report on my Equifax report. They are hurting my score and paying history because they still to this date after months of telling them to add these tradelines to my report. 

1 ) XXXX Credit Card ... XXXX 2 ) XXXX XXXX ... XXXX 3 ) XXXX ... XXXX 4 ) XXXX ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Charged off accountDue to a bank error

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputed XXXX with Transunion for a while now. They sent me the results stating that it came back verified. I requested that they provide me with a copy of their method of verification, they have not been able to do so. I contacted the alleged company myself and they did not receive any investigation request from Transunion. So how were they able to verify this alleged 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 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this account is old, and should have been removed. it appears to have been transferred several times, they mention continue to update as un paid on my credit file, what for the rest of my life. another threat involving my way of living. amazing how I 'm following the law and getting robbed and bullied, controlled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit reporting agency Transunion is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the description of XXXX ( your web based automated verification process ) YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that " XXXX is a web-based, XXXX XXXX XXXX, automated system that enables Data Furnishers ( DFs ) and Credit Reporting Agencies ( CRAs ) to create and  respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote a letter to XXXX Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : I received a call from an individual from Joseph Mann Creed who was attempting to collect a debt on behalf of XXXX XXXX XXXX. There are several problems. First, Joseph Mann Creed contacted me on my mobile phone using an autodialer. When I answered my phone, I was told to hold by an automated voice. I was then placed on hold for about a minute ( perhaps less ), and was then directed to a lady seeking to collect on a debt. I have never provided any written consent to be called on my mobile phone. Second, I do not owe any debt to XXXX XXXX Rental. This is purported to be for damages on a car rental in XXXX. I asked XXXX to provide me with ( a ) time-stamped photos that were taken from the rental prior to mine, and the rental thereafter, ( b ) at least XXXX estimates for the supposed damage, which I suspect is a scratch, and ( c ) documentation that the car had been repaired since I allegedly damaged it. XXXX refused to provide me with this information, and instead told me that my only option was to dispute the charges with my credit card issuer ( which I did XXXX. XXXX subsequently sent the account to a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection notice from the National Services Bureau XXXX Inc. on my XXXX report for a sum of {$86.00} on XXXX/XXXX/XXXX. I called both XXXX and the National Services Collection Agency to inquire about this. The XXXX agency referred me to the National Services Agency and they said it was related to an unpaid bill of {$86.00} to a XXXX XXXX XXXX, PA in XXXX. I called the National Services agency and they told me that something looked wrong and they would get back with me, they never did even after I followed up with an email. I have not lived in XXXX XXXX, PA since XXXX XXXX. I never took any animal to this XXXX after moving to XXXX, Maryland. I also never received any bills, statements or collection notices prior to this notice on my Credit Report. If not for XXXX XXXX, I would not have known it was even on my report. I want to lodge a formal dispute on this collections agency. Thanks, XXXX XXXX Here 's the excerpt from the report : hese are the collections accounts that are reported as open on your credit report : Agency Open XXXX BalanceNATIONAL SER {$860.00} account reported on XXXX XXXX, XXXX OpenAccount # XXXX $ XXXX XXXX INOriginal Creditor $ XXXX BalanceJul XXXX, XXXX DateJun XXXX, XXXX ReportedJointResponsibilityPlaced for collectionRemarksNote

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Other

Complaint: Kohl 's credit card call me repeatedly everyday. XXXX times on thus far XXXX seperate occasions : XX/XX/2015 at 8XXXX, XXXX, XXXX, and XXXX ( cst ) XX/XX/2015 at XXXX, XXXX XXXX XXXX, XXXX ( cst ) and then on XX/XX/2015 at XXXX, XXXX, XXXX, XXXX, and XXXX ( cst )

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with U.S. BANCORP (CT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with U.S. BANCORP (CO).
Issue: Other

Complaint: On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, USbank and myself it was determined the funds were sent to XXXX which was the previous owner of the card. On XXXX XXXX another XXXX way call with XXXX, UsBank and myself in which payment amount, date and trace numbers were sent. I contacted XXXX on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted USBank and was told the case had been closed and would reopen it. The representative told me he would call me XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Application, originator, mortgage broker

Complaint: I have requested My Mortgage Company to start reporting my Payment History, After a Chapter XXXX Bankruptcy, which was discharged 2 years ago, they have not reported to the Credit Bureau, Now I am attempting to refinance this House at a much lower rate, but the Finance can not see my credit history on this house. I can not afford this house at the current payment, since I 'm now Divorced since XX/XX/2016. I 'm just wanting them to report this information so I can have this refinance to go through. HSBC has sent my report to me in paper form for the past 2 years, but the refinance company is requesting it be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Between   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     I was charged {$390.00} in overdraft fees. I contacted customer service and asked for leniency. I was waiting for a check that was several days late causing my account to overdraw. In addition some of the overdrafts were for {$10.00}. I was charged {$36.00} for an overdraft of {$10.00}.   I truly believe its predatory to charge someone {$36.00} when they over draw by {$10.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It appears a medical vendor failed to disclose total amount of charges and failed to contact me directly about sums due. 

Sent to collections without notice to me and collection agent failed to contact me or confirm contact. Collection agent filed negative report on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I notified PayPal of Identify Theft regarding multiple charges of credit card / PAYPAL theft by thieves that used it for XXXX gambling. I had to shutdown the compromised bank accounts ( XXXX XXXX ) and I had notified PayPal of the issue. PayPal has locked me out of my PayPal accounts and shut it down and still attempts to collect some sort of debt from me by calling my parents phone number everyday. I have no option to log in to pay the alleged debts or even speak with Customer Representative because I can not get around their system saying that I have an account there because apparently I don't even exist to them. Strange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was a joint checking acct holder with my brother whom lived in another state and was young. We added myself to the account incase someone from our home stated needed to make deposits etc into the acct for him with him being so far away. The acct was overdrawn by him and then closed. acct opened in 2006. After this occurred and I received phone call I explained all of the above to the banking institute. 
I now 11 years later receive a phone call from a collection firm on behalf of XXXX XXXX stating that they are filing a civil suit against me and I am the only SS # listed. That they will serve me papers at my home or my job where my supervisor will have to sign as a witness as well. This is the first point of contact also mind you. No mail received NOTHING. I explain when I return the call to this collection firm that I work and I am not available between XXXX-XXXX. An that they are NOT to come to my place of employment. I question the matter and what is owed. I am told a flat fee of {$500.00}. has been access to the overdrawn amount which I am not even sure what the original amount might have been at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting automated calls from Portfolio Recovery XXXX and XXXX. XXXX says press XXXX to except call or XXXX to leave a message. I have no idea why I 'm getting these calls.

Company response to consumer: Closed with explanation