milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I first contacted TransUnion about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted XXXX XXXX XXXX the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist 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 explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: My mother has XXXX XXXX, and I have durable power of attorney. I want to close her JC Penney 's charge card account, and I called them XX/XX/XXXX to confirm what information was needed and what  address to send the letter to. I sent the letter to XXXX XXXX XX/XX/XXXX at the address provided, requesting her JC Penney 's credit card be closed. The Power of Attorney document was included. I received a response XX/XX/XXXX detailing further information required to close the account. They are requiring a signed statement from my mother authorizing me to close the account. Due to her XXXX, this is not possible. More importantly, the Power of Attorney they received with my XX/XX/XXXX letter is my mother 's legal authorization to close the account, so an additional signed statement is duplicative. Additionally, they require my SSN and DOB to close the account. There is no logical reason to require my SSN and DOB to simply close my mother 's account. My address and phone number are provided in my letter. I called the bank today, and they will not honor my request to close this account. XXXX XXXX  's refusal to honor my legal request to close this account is nothing less than putting hurdles up in our attempts to care for our mother in a difficult time, and protect her finances from fraudulent charges.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. Experian and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

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 07/20/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is a workmans comp claim from a work related injury. These collection agencys insert this on my credit file damaging my credit, then send a letter about the debt. As soon as i respond showing the verification they provide clearly states workmans comp claim, along with part of the judgement naming the DEFENDANT liable, they sell this debt to the next collection agency for them to do the same thing. This has been disputed 3 times and removed but the damage is done to my score. They break the law by inserting before communication to damage my score. They are trying to collect a debt I am in no way liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Medical) with RevSolve, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called into this medical debt collector to pay a medical debt for my wife 's credit which we did n't know it was n't paid for & paid it in full. They start telling me that I ( the husband ) had XXXX accounts that was n't paid started demanding that I pay all these accounts with no info of account # 's nor having said the option to see or dispute the debts that was in?. I had no info nor this was n't on my credit report of any of these debts. After having an 1 hour phone call dictating & me trying to get info on these account, they refuse to provide & they went & put this back on the all XXXX credit bureau 's after I had an attorney look over this & they removed these because they were in?.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Our homeowner 's insurance has not received their payment and it is overdue. Our mortgage servicer has not provided proof of cashed check. To avoid cancellation of our insurance we went ahead and paid our insurance. Insurance and taxes are escrowed so this should n't have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/15.

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 08/29/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never receive notice on this debt, I believe XXXX place this collection on my credit report because they were upset I cancelled the membership to their monthly credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX from Halstead Financial services gave my mother the last XXXX of my social security number did not confirm who he was speaking to accused her of being me and would not verify what the call was in regards to or where he was calling from he had absolutely no right giving out that information. My social security number has been endangered. Now I am worried that it is in the wrong hands my privacy has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I disputed.. 
Please resolve this manner as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: Someone I do n't know wrote XXXX checks and practically emptied my checking account with Chase Bank ( the XXXX checks totaled {$4700.00} ). My checkbook was not stolen or lost. And the XXXX checks written fraudulently have numbers of checks I have blank and in my possession. 
I 've had the same account number for more than 35 years, never a problem. 
I reported the problem to Chase the same day they sent me a warning text about my account being low ( XXXX XXXX, 2016 ) and they said they had up to 30 business days to investigate. They have not kept me informed of the progress of this claim even though I 've called them numerous times to check on it. And they have blocked access to my account on line, so I can not longer review any information ( I closed the account, but still need access to activities prior to it ). 
I have reported the theft to the police, and Chase promised an escalation when I told them this. But yet I have learned nothing about my money. 
I 'm a XXXX. I need my money back! Almost {$5000.00} is not small change! 
The bank victimized me twice already, first by accepting and cashing XXXX fraudulent checks ( my signnture is fake, a close look to recent checks would 've told the teller that ), and then by making me wait for months for a yet unknown resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received endless calls from Municipal Services Bureau at random times of the day from the phone number XXXX. My phone number is on the " Do Not Call List : '' and the calls continue and wont stop from XXXX XXXX from the Municipal Services Bureau. I do not owe a debt. I want to file a complaint against Municipal Services Bureau due to constant harassment and fraud in order to collect a debt from me that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I recently purchased a cruise with XXXX XXXX through XXXX XXXX and placed the deposit on my debit card. My reservation number with XXXX XXXX XXXX was XXXX. It was to leave XXXX XXXX from XXXX. I had to cancel the cruise and was due a refund of {$450.00}. I received half of it back on XX/XX/XXXX as an atm/checkard purchase credit from XXXX/XXXX/16. XXXX credit for {$70.00} and XXXX credit for {$150.00}. It was credited to a mass compromised card ending in XXXX and had to be manually posted to the account. The remaining {$220.00} has not been refunded. I was able to get a tracking number from XXXX that they said came directly from the bank XXXX XX/XX/2016 at XXXX. This is not XXXX 's tracking but Bank of America 's tracking stated that they received this credit in the amount of {$220.00}. Every time I speak with the bank and try to file a claim, I am told they dont have it and to go back to XXXX. The bank will not even take a claim from for the missing credit XX/XX/2016and I have tried ever since the original manual posting of It 's {$220.00} and I want my money back. The bank has it, they just cant find it and they are not willing to help me. Again, I received {$220.00} already but this is for the other {$220.00} from the above tracking number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern i having a major issue with The reporting Agency Experian with violating my rights when it comes to following the fair credit act. i requested my credit report i received it i saw things that was n't correct so disputed them in a dispute letter online and through the mail. I request them to provide all original applications in my credit file verifying all claims of debts with my wet ink signature no copies thats not verifying according to the fair credit act section 609. they havent provided me with any documents they have completed my dispute all they remove was XXXX credit cards and updated all the other unauthorized accounts.

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 07/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This letter to Attorney General XXXX describes the nightmare Ocwen has made of the entire year of 2016. They are endangering the life of my XXXX son : Dear Attorney General XXXX XXXX, Department of Justice , XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXXXXXX, is trying to help my XXXX son XXXX with a XXXX problem but OCWEN keeps making my credit score go up and down like a yo-yo preventing me from getting a loan. XXXX could get a XXXX and XXXX XXXX if we keep putting it off because OCWEN keeps changing my score from " very good '' to " poor '' by their constantly taking my loan on and off of my reports. XXXX already has a XXXX XXXX. All this delay could cost him his life. 

I pay all my bills on time. I have never been late on any bills since I became a single mom. 

I have a blog which shows OCWEN has been doing this to us all of 2016 : XXXX My OCWEN loan is being reported as closed, AGAIN. This is not true. My credit score fell from very good to poor the day Ocwen started changing what they report to the bureaus. This denies me the ability to get a loan to fix my XXXX son 's XXXX XXXX. XXXX has a XXXX XXXX. He could get a XXXX and XXXX XXXX if OCWEN ruins my credit all 2016 in spite of my perfect payment history. They are preventing me from conducting business as usual. They have crippled me financially all of 2016 when they first began attacking my loan in good standing. 
Please make them stop destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I contact the Dept of Justice or CFPB. They expect customers to be afraid to ask you for help for fear of having their credit score drop drastically if they do. That is wrong. Please help me so I can get a loan for XXXX ' XXXX XXXX with XXXX XXXX before something terrible happens to XXXX. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated phone calls to my home phone, personal cell, work cell, and work phone starting in XXXX of 2014, and once every ~XXXX weeks from ( XXXX ) XXXX, ext XXXX, referencing a court case against my ex-wife ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Their reference # is XXXX. 

The caller XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have stated that my ex-wife has listed me as a character reference in the court case and the only way that they would stop calling is if my ex-wife provides and affidavit. They refuse to identify their company, provide an address, or refuse to stop calling ; they have called my sister with the same tacticsI have not seen or spoken with my ex-wife in over XXXX years and explained it to them, yet they persist. They have even threatened me with a subpoena if my ex-wife did not contact them. 

I have contacted XXXX XXXX XXXX XXXX and they indicate the judgement listed is closed and suggested I contact their collection agency. I contacted their agency XXXX XXXX XXXX ) and they said they have not been trying to contact me and have no ties with the number listed above. 

They do not ask for anything beyond " do I know my ex-wife 's whereabouts and that she needs to contact them ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second time making a complaint against NationStar Mortgage. They became my servicer in XXXX XXXX ( it is now XXXX XXXX ) and immediately accused me of being late a payment. Not true, I contacted them about this and thought it was cleared up in XXXX XXXX. It actually was not cleared up so I provided them with the factual evidence showing I I was not late, but actually early with my payments. ( this evidence submitted several times to several different people ) They ignored factual, legal documents and continued to claim I was late. I decided to dig into my paperwork deeper to make sure I was correct, which I verified. I found a payment that had been made and deposited by the servicer but not applied to my account. I provided the actual evidence of this to NationStar. I thought that once this was shown to them that they would repair the damage, concede that I am correct, and we would be finished with this. However, that is not what happened. Instead, their response was that their accounting was correct and I am late. Even after providing them with proof that I am early, they are ignoring the factual history I guess so they can commit fraud by stealing a payment, stealing additional money in the form of late fees. By having the authority to file liens, foreclosure, etc ... they are attempting to blackmail and extort from me extra money. Additionally, my credit is unfairly damaged by their unwillingness to correct my account, so I am trapped in their company, as getting refinanced with my current credit rating is not an option. 
I understand this is just a reporting database, and that there is no action by this government agency that will stop NationStar from their illegal collection practices, which I imagine are commonplace in their daily activities ( not just me ). So what I can do is to let anyone who sees this complaint know that they should RUN AWAY from NationStar! Do not believe them! Their customer service is a complete fabrication, meant to convince potential customers that they are a responsible, above board company. Their research department is a fabrication. Faced with the choice between doing the right thing or doing the profitable thing, they will choose the profitable thing, even if it is illegal/unethical. This I can certainly prove. For me, I had no choice - my loan was purchased by NationStar. If you have a loan that has been purchased by NationStar, and you are able to refinance with another company, I urge you to do so! If they ever have an excuse to charge you additional fees or make false claims against you, legal or illegal, they will very likely hook you too. NationStar has shown me that, with no regard to ethical or legal behavior, they are committed to wringing as much money from their customers, legal or illegally, as they can. I am stuck with this horrible company, but you do not have to be. Benefit from my experience and stay away from NationStar!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received communication from a company called XXXX XXXX ( XXXX ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned XXXX inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent XXXX a certified letter ( XXXX XXXX XXXX XXXX XXXX ) requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have once again sent XXXX another letter, this time certified return receipt ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however XXXX still has not validated this account, and refuses to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am a customer of Shellpoint Mortgage Servicing and have had issue with my escrow account since XX/XX/XXXX. Initially Shellpoint did not pay my village property taxes when they were due in XX/XX/XXXX, even though they deducted the money from my escrow account. I did not find out that this occurred until the XXXX sent me a letter stating I was in default and if they were not paid, my name was going to be printed in the newspaper. I immediately contacted Shellpoint on XX/XX/XXXX and provided a copy of the letter I received from the village. XXXX days later they paid my taxes ; HOWEVER, they deducted the money from my escrow account AGAIN and never gave me a credit for the tax bill that was never received by my village in XX/XX/XXXX. At that point they reanalyzed my escrow account and increased my payment because my escrow account was short due to their error. I am owed {$1800.00} back into my escrow account and my payment lowered to its previous amount. I have called customer service now 3 times to get this fixed and every time they tell me it 's being escalated to a supervisor, but I have seen no correction and have yet to receive a phone call. I want this fixed immediately and a phone call confirming this. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation