milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. 

Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter on XXXX/XXXX/16 from wells fargo offering a settlement of a charge that was already written off. I 'd like to correct this and I called into the number shown, asked for the names on letter and was only given the chance to speak with a XXXX XXXX. On a recorded line I continued to discuss letter and offer immediate payment in the amount of {$3000.00} ( amount shown on letter. The next day ( today ) i see that the amount taken from my account is {$3800.00}. I immediately called today and was hung up on by an XXXX - called back reached XXXX and transferred to XXXX XXXX. He asked for proof of this letter and prove of the incorrect payment and he would TRYXXXX to have a refund for me and reply to my email. Now another person by the name of XXXX XXXX called me demanding this payment stating who did I speak with and I should only have spoken with him. then transferred back to XXXX who said they do not show my payment. I feel very frustrated and this is causing vast amounts of XXXX, and finding my other payments pending out. I really need assistance and this seems totally illegal and more than a accident.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: No record found of account when company was notified. XXXX has already removed tradeline from file.

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 05/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: After XXXX years we finally received an escrow statement from our mortgage company. There were several items that we incorrect. 
1 ) We had overages that we were never notified of, and have no idea where the money was applied. 
2 ) They do n't show a XX/XX/XXXX, or XX/XX/XXXX and XX/XX/XXXX. They do have XXXX payments posted without a month attached. 
3 ) We have made extra payments From XX/XX/XXXX-XX/XX/XXXX and have no way of knowing where the money was posted. 
4 ) The beginning balance they show as XXXX, it should have been the amount they received from XXXX XXXX XXXX which was {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account with XXXX Bank with XXXX balance who supposed to be closed on XXXX and still showing open with all my XXXX credits bureaus.

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 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am writing to let you know that Equifax is violating the Fair Credit Reporting Act because they have failed to remove an item on my credit report that is in dispute. I previously disputed a collection with XXXX, account number XXXX because I was n't sure what the account was for. Equifax was the only credit bureau to verify it, as XXXX and XXXX deleted it. But I did n't have time to file another dispute because I am in the process of getting a mortgage and the statement of this item being in dispute needed to be removed. I am not sure why Equifax removed the statement of being in dispute on XXXX other accounts, but not this XXXX. I even called in and they gave me confirmation number XXXX and to call XXXX XXXX XXXX XXXX to check on status. Now when I checked my credit report, the statement of dispute is still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 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: Old information reappears or never goes away

Complaint: The following inquiry is showing on my Experian Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact Experian directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  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 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On 3 separate occasions I have submitted a formal complaint in writing to Experian requesting that all incorrect personal information be removed from my credit profile. I have sent a copy of my Drivers license and social security number with the correct Spelling of my name and that have refused to comply in removing XXXX XXXX XXXX and all accounts associated with that name as they do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.   XXXX   XXXX   XXXX   Date Filed   XXXX    Type Credit Unions 2.  XXXX  Date Filed  XX/XX/XXXX  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters

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 04-10-2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ). 

When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only. 

I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX I filed a complaint against Experian in regards to XXXX incorrect reportings on my credit file. The original case # is XXXX with the CFPB. I was disputing the fact Experian is reporting a State Tax lien against me and also Experian was still reporting XXXX student loans from XXXX XXXX that were paid and closed and XXXX stated that they would stop reporting the debts on my credit file. I disputed with all bureaus after XXXX XXXX made me aware. Since then XXXX XXXX have deleted the reporting of these loans. I contacted CFPB in my original complaint on XXXX. the response from Experian was that they would remove the students loans from my report. it is now XXXX and these loans are still reporting on my credit file! Experian told me they would remove them but yet they are still reporting them! i 'm attaching the response from experian that states they will delete the student loans! No other bureau is still reporting this but them!

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 10/16/2015 about Debt collection (Credit card) with CITIBANK, N.A. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at XXXX XXXX XXXX. I let XXXX XXXX know that on XXXX/XXXX/XXXX Citi charged off my accounts and closed it. Citi reported the Charge Offs to all three ( 3 ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, Citi sold the charged off account to XXXX XXXX. I have never heard from XXXX XXXX, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with XXXX XXXX filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by Citi and XXXX XXXX, my credit score has gone down in the latrine. I want XXXX XXXX & Citi 's onslaught to my credit be STOPPED. Both Citi and XXXX XXXX should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017 a letter was sent to To : Ocwen Loan Servicing LLC ; XXXX XXXX XXXX XXXX XXXX ; New York Department Finance Legal ; XXXX XXXX Regarding XXXX XXXX XXXX XXXX We have requested a Discount/ Short Sale Payoff with a release of all claims for the property on XX/XX/2017 through the CFPB. 
On XX/XX/2017 we received a regular payoff quote from the correspondence Team at Ocwen. We have not received an explanation why we are being denied a Discount/Short Sale Payoff with a release of all claims.I 'm also requesting amortization schedule and all information that was requested from The AG Office in New York. As of today we are still waiting for the information Please advise,

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree calls up to XXXX times a day every month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Berman & Rabin, P.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called this attorney 's office and tried to explain that I know nothing about this nor did I receive anything. He hung up. I tried to call back and no answer. I feel this is a gimmick and unfair collection practice. 

My wife received a phone call from this same attorney a XXXX of months ago about some pay day loan she had and she has not worked for several years. When my wife started to cry because the gentleman kept saying that she owed this money, he said oh do n't cry please. I will have an attorney call you back. No one called back and I called and they hung up on me also. Have not heard from this office again on this particular issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: A business with its own Federal EIN tax ID opened a credit card account on XXXX XXXX, XXXX with CHASE CARD under the Account Number XXXX where myself and another individual were listed contacts on this card account. This account had an outstanding balance and late payments and became delinquent from XXXX XXXX through XXXX XXXX. Then, CHASE CARD reported these late payments on my personal individual credit profile to all XXXX credit reporting agencies, even though this was a business account with its own tax ID and I did not have control over payments for the business. In XXXX XXXX, CHASE CARD ensured me on a phone call that if I settle the account, all derogatory and negative remarks would be removed from all my personal credit reports. The business account was settled for less than full and closed in XXXX XXXX. In XXXX XXXX, I saw that CHASE CARD had reported on my personal individual credit profile to all XXXX credit reporting agencies that the account was settled for less than full and this was a negative remark, which would not be removed from my personal credit profile until XXXX XXXX. The XXXX issues I have is that 1 ) Chase reported derogatory remarks for a business account to my personal credit profile and 2 ) Chase did not remove all negative remarks as promised upon settlement of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dovenmuehle Mortgage is the servicer for my current mortgage loan. On XXXX/XXXX/XXXX, I submitted an application to XXXX XXXX to refinance my loan with Dovenmuehle. XXXX  XXXX was authorized to receive information on my behalf from Dovenmuehle. XXXX XXXX, my escrow officer, with XXXX XXXX XXXX contacted Dovenmuehle multiple times asking for a payoff demand. Dovenmuehle refused to forward the demand to her. My wife, XXXX XXXX, called Dovenmuehle and was told that the demand was emailed to XXXX XXXX. Since XXXX XXXX said that this was not true, she called me and held a conference call with me, my mortgage broker, and the Dovenmuehle customer service representative, XXXX. This conference call was made on XXXX/XXXX/XXXX. I instructed XXXX to forward my payoff demand to XXXX XXXX. At approximately XXXX XXXX, XXXX said that she would forward the demand to XXXX XXXX within 2-4 hours. At XXXX XXXX, no payoff demand was received from Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hi Wells Fargo is closing my account by the XX/XX/XXXX or the XX/XX/XXXX due to some fraudulent activity on my account. They want to close my account because it is in the negative and they are blaming me and closed the case. Wells Fargo fraudulent activity on XX/XX/XXXX in Florida when Im in California

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 11-09-2016 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a cosigner of XXXX student loans for my son who just graduated from XXXX University. I have been attempting to refinance the XXXX student loans with MEFA to obtain a lower interest rate. It has come apparent that there are errors in the allocation by MEFA, or its service contractors, in the allocation of principal and interest from my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M. G. Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company incorrectly reporting debt causing negative impact on credit report. No contract between debt collector and myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX accounts have been discharged under a chapter XXXX bankrutpcy. The following accounts need to be removed from my credit report 1. XXXX XXXX 2. XXXX XXXX 3. XXXX

Company response to consumer: Closed with explanation