milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted Transunion and XXXX as well as XXXX/XXXX several times for incorrectly reporting a payment was late in XXXX 2017. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XXXX 2017. The company XXXX/XXXX, claims they have sent Transunion and XXXX  information to remove the late payment reporting for XXXX 2017 but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

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 08/26/2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Other

Complaint: Citibank was sending statements to the wrong address. The XXXX had an annual fee which I was unaware, as I did n't receive statement, and cause the card to go XXXX day late before I could catch it. The account had a XXXX balance before the annual fee and now I have paid the annual fee and late charges that it had caused. I asked to have them remove the XXXX day late reporting but they refused but they wont help. They also lowered my credit line from $ XXXX {$250.00}, which is also adversely effecting my Can you please help me with these problems? I have reached out to citibank on multiple occasions, and spent hours on the phone with no resolution. 
mastercard account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid off my entire balance owed prior to my XX/XX/XXXX bill being due, and capital one Billed me just over 20 dollars for interest saying it was interest owed from before i paid my balance, however the balance was at XXXX when they added the interest, i paid all the charges that were there on the account i feel they should not have ability t0 add charges to a XXXX balance, my papers when i opened the account stated that no fees would be added to a XXXX balance if i kept it paid, and that was my understanding so if I'm wrong and misunderstood that, well i know now they carry interest per day of the month and my bill may not reflect the totality of what is owed on a given day however this was not my understanding prior to seeing these charges and i feel it ridiculous that i should pay this fee. I never ask for much but i want this charge reversed, i paid this to XXXX and believed it was to remain at XXXX until i used the card again, or until they billed the yearly fees again, in no way did i expect another interest charge to be added and I'm very disappointed that they refused to work with me and remove the charge when i called i was not rude or vulgar or impatient i just don't understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Settlement process and costs

Complaint: Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with Empowerment Ventures, LLC (CA).
Issue: Customer service / Customer relations

Complaint: I have a rush card. They claim to have had a system update 3 days ago which was only supposed to take 3 hours. It 's now going on 4 days and I have no access to my money. I missed worked today because I ca n't buy gas. I need groceries for my family. I call the customer service line and I get hung up on it told to call back. No answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I have owned a XXXX dividend reinvestment account for several years. This year the administering agency ( XXXX ) sold the account to Wells Fargo Bank. When I tried to retrieve my 2016 XXXX for this account from Wells Fargo, I was presented with an on-line agreement to waive my rights to receive hard copy tax documents in order to access my XXXX. I have been advised that this agreement violates existing federal law, and I consequently refused to sign the online waiver. Your assistance is requested to force Wells Fargo to provide me with hard copies of my annual tax documents free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). 

XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called the creditor today to ask what this was concerning and was told by a rep that this was for a medical bill at XXXX XXXX XXXX. I have never been to this facility and I am almost definite that I did not go to the ER on this day. Also, the entire time I lived in GA I had XXXX so I 'm not sure why I would owe a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with I.C. System, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Ive returned the owes equipment on XX/XX/17. IC systems keeps calling me to return already returned equipment. I gave them the return receipt info and they still keep calling. Ive also asked them to stop cease and decease contact with me and they co tinie to call. Per my FCRA rights, this is punishable up to XXXX ... any other contact, I will enforce my right up to the entire XXXX $ per contact.

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 10-03-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Trouble during payment process

Complaint: Obtained refi from PHH mortgage on a mortgage PHH already owned and serviced for a rental property I won. Despite already servicing it, and knowing it was a rental, PHH sent first payment coupons to the rental address ( they had and knew my actual mailing address ) and then only 6 weeks later forwarded the coupons and claimed " my address had changed ''. See attached. my address has not changed. Not sure if this is part of scheme to defraud customers by having them make late payments but it is gross negligence and incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and that violates my rights as as consumer, i reached out to transunionon more than one occasion to advise of my credit being pulled with out my permission. the listed inquires were pulled with out my permission XXXX XXXX XX/XX/17, XX/XX/17 XXXX, XX/XX/17, XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX XX/XX/17 XXXX/XXXX XX/XX/17 XXXX XXXX XXXX  XX/XX/17 XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 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 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Previously deleted information from XXXX XXXX XXXX on Experian ; recent balance and payments incorrect on XXXX, XXXX XXXX XXXX ; Protect MY ID, a subsiduary of Experian Consumer Services had my wrong birth date, incorrect city where I was born, and mother 's maiden name. Reference numbers for the complaints : XXXX ( wrong birth date ) ; XXXX ( system would not take my password or username because it converted information to lower case ) ; XXXX ( incorrect city where I was born ) ; I could not ever get into my ProtectMyID account after speaking with XXXX ( XXXX ) Experian and its ' division have improperly processed my credit information and causing my credit score to be much lower than it should be. XXXX kept deleted items off credit report ; however, Experian adds them back on. Experian employees always give me a very difficult time when I attempt to correct these errors. I spoke with the ProtectMyID on today, XXXX XXXX, 2016, requesting a review of these errors and for Experian to contact me as soon as possible.

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 12-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (NY).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (OH).
Issue: Struggling to pay mortgage

Complaint: This loan company has refinace my parents home at lease twice over the decades.They were paying {$570.00} a month, as of XX/XX/XXXX they was told their Insurance was being cancelled and their payments was gon na be XXXX a month. At one time they was told the signed off on a {$52000.00} loan in XX/XX/XXXX. My Dad was XXXX yrs old then, and had no clue as to what was happening to them! Since that time our Father XXXX XXXX in XX/XX/XXXX, leaving all of this on her. She had to move out of the house, and is in the process of trying to sell it. One problem my parents still owes {$6500.00} on the loan. We can '' t find any paper work on the contract they suppose to have sign.The loan company says they ca n't go back that far, and that they do not have the contract or papers explaining what went down, and how it went down! My parents did not know the would be still paying on this loan in XX/XX/XXXX. They made them think they were saving money, when they were actually paying more, over a longer period of time! From XX/XX/XXXX to again in XX/XX/XXXX to now XX/XX/XXXX. Can You Believe!!!

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 02/22/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a DOFD letter to Equifax on XXXX/XXXX/16 via certified mail that was received by them on XXXX/XXXX/16. I have not received a response and, therefore, according to FCRA such items should now be removed from my report. There are several inaccuracies in this credit report including : 1 ) A collection account showing with no creditor name, 2 ) Various student loan installment accounts showing as opened that have been closed for multiple years and 3 ) Student loan accounts that are currently paid as agreed showing as collections. 
As these disputed accounts have not been investigated and responded to within the 30 days allotted by Federal law, according to FCRA, I am respectfully requesting that all items on my DOFD dispute letter dated XXXX/XXXX/16 be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I need some help, I have requested several times validation and proof of payments, copy of signed contract etc. I do not feel I owe this company anything and need to see the full history of payments, signed initial contract etc.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
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: We ordered some hand-painted tiles when on vacation in XXXX in XXXX this year. We paid {$650.00} on XX/XX/XXXX using my Chase Sapphire Reserve card. The assistant took down our XXXX address for delivery and added it to the invoice. We paid the full amount that we presumed included delivery as there was no mention of a separate charge. We were promised delivery by the end of XXXX. We heard nothing from the merchant, despite several chasing emails which went unanswered, until we received an email from a delivery company on XX/XX/XXXX asking us to pay XXXX Euros for delivery. As they were a month late and we were faced with a totally unexpected delivery charge, we opened a dispute on Chase 's website asking for a refund on XX/XX/XXXX. Chase have twice refused to honor our claim and say the the charge has been validated, despite our providing evidence ( attached ) that the merchant 's justification was inaccurate, particularly when he said that we had chosen and instructed the delivery company. Chase used this as their reason for not upholding our claim. We then sent a copy of the email which made quite clear that the merchant had instructed the carrier ( we had never even heard of them much less instructed them ). They have still refused to honour our claim. 6 months on, we are {$650.00} out of pocket and have no tiles. we do n't even know where they are. Chase have not answered the points we made in our submission and have represented us very badly in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2018 about Debt collection (Payday loan debt) with Dynamic Recovery Solutions, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Dynamic Recovery Solutions , LLC, the company says that i own XXXX dollar when in reality, i paid all my bills and have a good credit scored, they keep sending threatened letter about money that they want from me.The company is a scam, the name is Dynamic Recovery Solutions , LLC

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX of 2014.  to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify

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 12-04-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company XXXX XXXX XXXX started contacting my friends back in XX/XX/XXXX impersonating court officials saying they needed to know my whereabouts. My friends informed me of this the day they called. They were even harassing them about information and gave out my SS # and date of birth, etc. Asking them if that was their info. This company then called me and left a voicemail saying the same thing to me. I called and asked them to send me correspondence on this matter which they gave me no information on and I never received any paperwork on this. Fast forward to the last 2 weeks. My mother has now gotten a call on this and they were harassing her about this matter and then this week, on XX/XX/XXXX they called and left me a voicemail saying they were the court and would be delivering documents to me. I called them back again the next day on XX/XX/XXXX and spoke to someone. He never identified who he was or what company they were. I gave him the reference number I was given from the voicemail and he pulled up the information. He said it was a Bank of America Visa card that I had that was closed by BOA in XX/XX/XXXX. I told him that number XXXX, I did not have a BOA Visa card and to send me written verification on this so I could verify this and keep for my records and my attorney. He then said there was a Bank of America in all XXXX states. I said maybe there is and once again said to abide by the FDCPA and send me written verification or I am going to have my lawyer contact you. He then got all mad and hung up on me. I have had enough of the harassment from this company, if they even are a company. And, if they are, how is it they can potentially ruin people 's lives and reputations with no repercussion? Your help is much appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have sent the information for an escrow analysis to be done on my mortgage account since XXXX XXXX. 2016 and have yet to receive a reply. But every two months my escrow continues to go up. I asked to speak to a supervisor and still have yet to receive a return phone call or any answer. I have gotten approved for a homestead exemption for {$20000.00} less than last year from XXXX County Tax Appraiser office and my home owner 's insurance has not increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation