milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Me and my husband have a Harley Davidson financial account and it is reporting late payment for XX/XX/2017 and the payment was not late that month. I have tried to contact them on the phone and on the web site and all we get back is : Good Afternoon XXXX and XXXX : Thank you for contacting us with questions about your loan and for using XXXX. 

We have reviewed our records and determined that your account is being accurately reported to the credit reporting agencies. Accurate credit reporting is required by law ; therefore we can not remove any payment history that has been previously reported. 

If you have any questions, you can reply to this e-mail or call Rider Services at ( XXXX ) XXXX-XXXX, and one of our representatives will be happy to speak with you. 

Enjoy your ride, Rider Services Team Harley-Davidson Financial Services Which is not correct we paid in XX/XX/XXXXfor XX/XX/XXXXAND XX/XX/XXXX I have attached my bank statement for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with Fay Servicing, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX I setup my account to be auto drafted half my mortgage bi weekly with Fay Servicing. The initial payment would be deducted 30 days later. On the date of the deduction XXXX XXXX/XXXX/XXXX XXXX Fay Servicing deducted a full amount which causes my acct to go into the negative. I contacted the office the same day and was told there was not a manager or supervisor to speak with me. I called again the next day and was told the same thing again. It has now been 48 hours without a resolution to the matter nor funds deposited back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced a condo XX/XX/XXXX with no problems. I did not set up an escrow account and paid my taxes and insurance separate from my mortgage payments. XX/XX/XXXX, RoundPoint Mortgage contacted me saying they had paid for my insurance and wanted to be paid back. I checked with my insurer, and they did have a payment from RoundPoint, so in XX/XX/XXXX I paid RoundPoint. Then in XX/XX/XXXX, I looked through my paperwork for the refinance. I have a XXXX form that shows that I paid for insurance as part of closing. I 'm not sure where that money went, and I think I paid twice for that year of insurance. I have called XXXX repeatedly, only to have them tell me to email their servicing help desk. I did that and only received an automated response and no reply as to what any research they may have done turned up. I also sent a letter explaining the situation with a hard copy of the HUD-1 statement and sent it by certified mail. RoundPoint received it ( per USPS certified mail tracking ) on XXXX. I just called them again and was told to email them. I do n't think they are doing anything to look into this matter, and I just keep getting a run-around.

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 07/17/2015 about Credit card () with DISCOVER BANK (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had Discover IT card since 2014.I found some charges which i did n't recognized. I called Discover customer service almost a week back. They transferred me to Fraud detection team who immediately closed my account and send me a new card. Within few minutes i understood what 's going on with my account - reached out to the merchant - who issued me the refund. I called Discover Fraud team another team in less than XXXX hours and asked them not to close my account and no need to send me a new card but they said they will make sure that i will get my new card soon. After XXXX or XXXX days - I got new card which was CHIP based. When i tried to activate that card - but i was asked to call during east coast timing only as DFS fraud team works only in XXXX ... i keep on trying for XXXX days ... and when i got hold of them, i was told destroy the card and i will be getting another card. This time i got the new Discover Card via XXXX - extremely urgent shipment after XXXX days. Called upon after XXXX day to activate it. This card was different from my previous cards as it was ending in XXXX ( my old account was ending in XXXX ). But since XXXX days - they ( DFS ) is not able to find out whether the new card belongs to me or not? Finally today morning - they told me that they will be sending me another discover card by emergency shipment. Almost XXXX hours in total i have spent on this matter during last 10 days. I need to work with their human operators only as the website is not working at all to activate my card. During last XXXX years - I have got my Discover card part of fraud almost XXXX times ... i do n't think Discover is doing enough to secure and safeguard Customer 's account very well. Moreover their overall handling of this issue ( re-issuing new card ) is very very shaky.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Auto) with Viking Client Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My attorney sent the following letter to XXXX XX/XX/XXXX requesting a response with evidence the car was in fact damaged, which it was not. Nothing has been sent back. So now its XX/XX/XXXX and XXXX has sent me to collections with a company called Viking. There are many complaints on the CFPB site for both of these companies, and I want the harassment to stop. I never damaged the vehicle, there is not proof, I turned it in without any issues and I inspected it with the XXXX employee. Here is the letter sent back in XX/XX/XXXX : Re : False Accident Claim by XXXX ; rental agreement # XXXX XX/XX/XXXX To Whom It May Concern ; I received a claim from your companies on XX/XX/XXXX, dated XX/XX/XXXX, in reference to a car returned at the XXXX, TN airport XX/XX/XXXX at XXXX. 
The claim states there was an accident, collision, to the vehicle, and that I am to pay {$1300.00} for said damages. This is impossible as I never crashed the vehicle, I returned the vehicle to 2 gentlemen who were working at the drop off location, we walked the vehicle, and there was NO DAMAGE. No one called us to tell us there was damage after the fact. No one sent me a report for the damage, and I have not seen or been sent any pictures of the damage. Yet I receive a letter an entire month after asking for a payment to damage that was never done by me during my time with the vehicle. So the vehicle was repaired before even reaching me to discuss or show that there was damage to the vehicle. 
Further I called XXXX, XXXX, at XXXX, 3 business days in a row ; 1 ) XX/XX/XXXX left message 2 ) XX/XX/XXXX did not leave message 3 ) XX/XX/XXXX left message No return phone calls were made, and all 3 calls were made from my cell phone, which has a record of these calls. 
This is a completely false claim or gross error on your part, and I would like a letter sent back as the effect. I will seek legal action if either XXXX or XXXX decide to further proceed with the false accusations about me having and accident in the rental car. As I stated above, I dropped it off and there were 2 attendants laughing and talking. One came and walked the car with me, and I gave him the keys and went on our way.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone opened up a credit card on my account that I did not approve of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) XXXX XXXX ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I made extra payments towards my principal and Chase applied them as " advance payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chase continues to report delinquencies for Chase account XXXX throughXX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I consolidated my direct loans. All other smart option loans are on auto pay, XXXX of them. The only payment I make manually via my bank is the consolidated loan. When I contacted them, they gave me an address to make the XXXX to which is XXXX XXXX different than the other XXXX, its even in a different state. However when they received and applied my payment they applied it to all XXXX smart option loans that are and have been on auto pay for years, and have a different payment address than the consolidated loan. This is not the first time this has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX RE : Dispute Charges@XXXX Account : XXXX XXXX XXXX I received a letter dated XX/XX/XXXX ( see attached ) for a charge of {$250.00}. I have no idea what this charge is for and have called several times to dispute this charge to no avail. 


XX/XX/XXXX Spoke to XXXX, gave her the details. After about 20 minutes on hold she told me it was for breaking a digital contract. I told her that I dispute the charge and I asked for proof that I signed a contract. She said she notated the account someone would call me back, no call back. 

XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she couldnt help and transferred me to billing. Said she inputted notes into the system. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she was with retention and couldnt help me, she then transferred me to customer service. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX and explained again the letter I received. She told me she could not give me her ID. She said the charge was for unlimited digital phone plan from XX/XX/XXXX to XX/XX/XXXX. I told XXXX that I formally dispute this charge and request a full credit for the disputed amount. She then transferred me to her supervisor. 

XX/XX/XXXX XXXX pm XXXX ( supervisor ) said there was an auto renewing contract and the fee to break the contract was {$200.00}. With all the surcharges and taxes on the {$200.00} it came to {$250.00}. Said she would call me back for sure on XX/XX/XXXX, never did. 

XX/XX/XXXX Received collection letter from CCS I had been a very loyal XXXX customer for almost 18 years. I respectfully request that this amount be credited to {$0.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted forms to conduct a short-sale on my condo in 2010. For over a year, I submitted the required paperwork to Flagstar on a monthly basis. I was told that the entire process would take a year but that I needed to find a buyer. I found a few buyers and submitted the necessary paperwork each month. I get to the end of the process and was told that I one document was missing in my file and that I would have to start the year process again. My house went into foreclosure and has negatively affected my credit in my re-attempt to purchase another home. The original request for a short sale came from my husband 's job relocating us to another state but Flagstar gave us the run around.

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 12/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Blackhawk Network Holdings Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I had a balance of roughly {$2000.00} in my XXXX XXXX. The XXXX was suddenly closed several months back ; I have not been able to log into the XXXX XXXX for several months nor have I received any compensation for the balance that was there. I have attempted many times to contact XXXX customer service regarding the issue and they have not assisted me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 )  that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX several charges appeared on my bank account that were of unknown origin. Chase bank contacted me to verify the charges. The representative and I verified which charges that day were from me and which were not. All the fraudulent charges took place within a 2 hour time frame. All of those charges were reversed. 
XX/XX/XXXX I noticed a charge for@XXXX from XXXX with a memo referring to XX/XX/XXXX. One of the fraudulent charges were put through again. 
I contacted Chase bank on XX/XX/XXXX and they stated that XXXX claimed the charge was legitimate. I disputed it, only to be told it 's between myself and XXXX since they say it was legitimate. The bank representative stated that my IP address and that of the purchase were the same. I asked him how he would know that information and he ignored my question. I was at work when the charges went through, so there is no way my IP address would have matched. Not to mention there is no way for Chase to know what my IP address is. When I asked again, he told me that XXXX informed them that the IP addresses were a match. When I asked how they would know that, my question was ignored. 
I contacted XXXX on XX/XX/XXXX. They stated that the charge was verified. They told me the address for billing and shipping matched, even though the information they provided me with ( transaction number ) clearly shows a shipping address that is not mine. When I pointed this out, I was informed that the charge was legitimate and I would need to contact my bank to dispute it. I told the person that I did dispute and that my bank says that since XXXX says it was legitimate then that was what they were going with. 
When I asked XXXX about the IP address thing that Chase mentioned, he said the IP addresses did match. I asked him what my IP address was and he could n't tell me. 
He did give me the address that the item shipped to. After he 'd just told me that the item shipped to my address. That address is not my address. When I asked about it, he simply stated " That 's the shipping address you provided ''. I told him that I did n't provide anything because I did n't know anything about this charge. I was ignored and told to contact my bank or the police to resolve the issue. 
I contacted the police and filed a report, but that 's about all that was done on that end since they have n't called me back. 
I 've contacted Chase bank again and told that " as far as we 're concerned, the matter is closed ''. Which tells me they have no intention of doing anything further. 

I 'm at a loss and I need my money back. I ca n't seem to get anyone to do anything about this. I have attached a screenshot of tracking information at XXXX for the fraudulent purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX lied to us and said there was no contract and it would be the same like the one we had : {$95.00} for first line and {$10.00} for second line, total bill would be {$150.00} like the one we had before. In fact, the bill was {$190.00} and we never agreed to pay that price. XXXX rep said there was no contract so we returned the phones to sprint because we knew we could n't afford $ XXXX/month and if we knew the phone was not us at the end, we would not agree. XXXX made it very difficult to return the phones. sprint customer service rep said we could return at the store and many stores said they are 3rd party stores and could n't accept it and I had to go to the original store located in XXXX XXXX, tx where we bought the phones to return them. we went to original sprint store located in XXXX, tx for XXXX8 times and they refused to accept. I asked them so what they were doing at the store and they said they only activated phone. Too tired of going back and forth to the store in XXXX when we do n't even live in XXXX, we shipped the phones back to XXXX ( with XXXX confirmation ) and it showed that they received the phones. Then XXXX sent my account to collections and reported negatively on my credit report since XXXX of this year. I sent many letters to XXXX and collection agencies and receive no response. This has affected negatively on my credit report and my employment background check for my job when I do n't owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am going through a divorce with XXXX XXXX XXXX, XX/XX/XXXX, address is XXXX XXXX XXXX XXXX, XXXX, WV XXXX. XXXX XXXX has used my cc to charge multiple services on my XXXX Credit Cards, for ex : Instant XXXX. He has created multiple email addresses to obtain information from my credit cards and/or credit report. The email addresses being used are XXXX # XXXX, with my name being XXXX XXXX, Also, there is XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. XXXX XXXX has been letting XXXX XXXX XXXX XXXX, DOB - XX/XX/XXXX ( my sister ) and XXXX XXXX XXXX ( my cousin ) use my ss # in order to obtain Credit cards for their personal use. This activity has been going on since XX/XX/XXXX until current. XXXX XXXX has been doing it longer. Please help me, I feel my credit is being destroyed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a email, due to. XXXX XXXX hacking into them ... You may try and use XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Managing the loan or lease

Complaint: This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation