milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There was a fraudulent activity on my Macy 's credit card in XXXX XXXX for XXXX charges : {$44.00} and {$47.00} on XX/XX/XXXX and XX/XX/XXXX respectively. I notified Macy 's of the fraudulent activity as soon as my statement arrived XX/XX/XXXX. I received their Statement of XXXX application XX/XX/XXXX and mailed the completed application on XXXX XXXX describing the fraud claim in writing. After numerous calls to Macy 's to check the status of the Fraud Investigation for two months, I was told that Fraud Department help desk had no access to the investigation details other than a status of " pending ''. They could n't confirm whether the Statement of Fraud application was even received. In order to reassure myself they had received it, I mailed a copy of the initially filled out application with a certified letter XX/XX/XXXX. The certified letter was received on XXXX XXXX. I then called again to check the status and was reassured that the investigation will be completed in 30 to 90 days. The 90 days expire tomorrow ( XXXX/XXXX/XXXX ) and after my last phone call with them, the investigation is still not complete. Macy 's is reporting my account as delinquent and late because of these unpaid fraudulent charges and as a result my credit card score is plummeting. My life has been put on halt as I ca n't achieve my goals because of my poor credit card score. As a consumer, I have done everything in a timely manner and with care while Macy 's has just neglected the reported fraudulent activity on my account for 7 months.

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 07/15/2017 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: XXXX    XX/XX/XXXX -  did not authorize   XXXX   XXXX      XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX  XX/XX/XXXX  - did not authorize   XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX      XX/XX/XXXX  - did not authorize  XXXX     XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
<P/>
I also am aware of the glitch with transunion in the summer of   XXXX   and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent several disputes to the Wells Fargo XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We have contacted Ocwen over 16 times since XX/XX/XXXX. We are told things will be fixed, they have the information, and they will call us back and confirm when the information is correct, and then they go dark. We recently went to the ombudsman with Ocwen. That was over a week ago. I was promised they would call us back on XX/XX/XXXX with a resolution and nothing. I called them again on XX/XX/XXXX and was promised it was getting fixed and I would receive a call back by Tuesday morning. 
Again, nothing. I called again today and explained this has costed us a LOT of missed work and LOTS of money. I also explained our loan lock was expiring this Friday for the SECOND time, and the urgency of this matter. I 'm still waiting for a response. They are reporting inaccurate bankruptcy information on 2 properties. In addition, I own an LLC with a parnter, and we were just denied our business line of credit because of the inaccurate information being reported by Ocwen. We have two XXXX in XXXX, and this is literally creating a massive financial situation for all of us, even though we are n't responsible for any of it. The ombudsman shared this morning the information WAS N'T correct and he was able to verify public records, but his " bankruptcy team was backlogged and he had to work on it. '' Truly unbelievable this company is allowed to stay in business!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt with XXXX  account resolution years ago and they are still reporting as unpaid on my XXXX credit report. I disputed through XXXX months ago and I even called the collection agency. Still no resolution and it is seriously affecting my credit. I owed {$1300.00}, {$640.00}, {$600.00}, and {$930.00} between XX/XX/XXXX-XX/XX/XXXX. I paid directly through the original creditor which was XXXX college.

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 07-12-2017 about Debt collection (Medical debt) with CB1, Inc. (MT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: CBB Collections in XXXX XXXX is trying to attach my SSD check of only XXXX per month for old medical debts in 2013. They have filed with the Court and are asking for trial. I do not work, have been XXXX XXXX for 14 years and barely make it. They are suing me for {$760.00} which is more than half of my monthly direct deposit Social Security Check.

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 01/17/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Struggling to pay mortgage

Complaint: I got laid off end of XX/XX/XXXX, I applied for assistance with XXXX XXXX they put me on a forbearance plan. When I got a contract job, I submitted my paystubs, so they put me on a trial plan starting XX/XX/XXXXthe monthly payment with HOA was over 35 %. I called to ask them but they did not provide a reasonable response and did n't reduce the amount. InXX/XX/XXXX they sold my loan to Freedom Mortgage. Freedom Mortgage sent me a loan modification that increased my interest rate, so monthly payment with HOA is still more than 31 % of my gross income, and they added a 2nd lien of over {$66000.00}. The XXXX package was left at my door Saturday afternoonXX/XX/XXXX but it was dated XX/XX/XXXX too late to do anything with it Saturday, then Sunday and Monday ( holiday ) banks were closed, and they only gave me a few days to respond. I called them a couple times, and my spoc was supposed to call me back, I 'm waiting to hear. I only make {$19.00} per hour working an average of 40 hours per week, but often I work less than 40 hours due to not enough work. I am worried they are not rushing to help me and I will not lose my house to fraudulent practices. Please help, I 'm a single woman with one income, I can barely pay my bills and I do not live outside of my means, believe 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 12-08-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have ~ {$330000.00} worth of student loans serviced by FedLoan Servicing. I am in the Income Based Repayment Plan. I had my taxes prepared by an accountant, and finally received my Adjusted Gross Income amount, required by FedLoan Servicing in order to submit annual recertification of income for IBR, in mid XX/XX/XXXX. I then went online to submit the recertification of income, but the StudentLoans.gov website was not working properly and was not linking to the IRS. As of today, it still is n't working correctly by the way. Because of this, I had to mail my forms in. I post-marked them on XX/XX/XXXX, and they were received ( reportedly ) by FedLoan Servicing on XX/XX/XXXX. I have a letter stating that they needed to receive the paperwork within 10 days of XX/XX/XXXX. Well, mail ca n't arrive on Sundays, and XX/XX/XXXX is well within 10 business days of XX/XX/XXXX. I would n't even be in this situation if the website was working correctly. They capitalized my ~ {$57000.00} of interest on the loans and increased my monthly payment amount, even though they still have my forms and are " processing them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have sent this company XXXX letters disputing the debt and asking for validation. I even dispute it with the credit bureaus. They ignore me, but they went ahead and verified it with the credit bureaus. how can they collect a medical debt when i have insurance, plus i dont even know who the original creditor or doctor is.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Medical) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in full by XX/XX/XXXX of last year a bill that had gone to collections with Western Ctrl original creditor was XXXX XXXX XXXX XXXX. This suddenly appeared or updated on my credit XX/XX/XXXX as an open collections. I am VERY angry! I want this off NOW! I called Western Control and they have reported this debt as paid in full. I do n't know who took it upon themselves XXXX months AFTER debt paid in full to put this on my credit report. Its false reporting and needs to be taken off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have just discovered that I am a victim of identity theft / fraud. I have been trying to request a free copy of my credit report from Experian through annualcreditreport.com. After inputting my info on the first screen, then selecting Experian on the 2nd screen and submitting it, my browser advanced to https : //www.experian.com/ncaconline/acr, but it then sat there for over 45 minutes, with nothing loading on the screen. I exited, then re-started the process from scratch, and the same thing happened. ( I am using the latest version of XXXX, as my browser, which is compatible per the web site. ) The annualcreditreport web site says to contact the credit agency directly regarding any problems/issues -- and I could not find any " troubleshooting '' info available on annualcreditreport either. So, I went to Experian 's own web site, looking for some kind of an on-line chat function, consumer XXXX number, or a consumer troubleshooting section -- but could find nothing. I am concerned that Experian is perhaps throttling requests that come through annualcredit reports.com or something -- as a means for consumers to get frustrated and simply pay for a report instead through their private web site --? I need to get my credit report asap, as my bank account has been raided, my credit cards have been used fraudulantly, and I am aware of credit cards being opened fraudulantly in my name. However, I am not able to get such from Experian!!!

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 01/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio recovery Associates of XXXX, Calif. have repeatedly sent me calls regarding a past due delinquent loan account payment that is not mine. insisting that i set up a payment plan with them and settle this matter without further interest payment increases. I was offered several options as i repeatedly interrupted and proclaimed that it was n't mine. 
i told the person that there are many people out there with my name because it was very common, if they could please re-verify it once again. I was told " our system, clearly shows sir, that you have a balance of {$1200.00}, " How would you like to make a payment today sir? Debit or Credit Card or check over the phone using your router number and checking account? What amount are you paying today sir. I did n't have time to speak. I finally said, NOTHING!! I told you, I do not have a XXXX Account that is still open, I had one, but it was closed out. it was an auto loan. i said, send me to court! i will prove that you are wrong. She said, we ca n't take you to court sir. then why are you calling me? i 'm on the ' do not call list!! but you owe us this money sir, it was a loan in your name. you still owe this amount, plus interest. i hung up. i really did n't think they meant to speak to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I have contacted Santander USA regarding surrendering my automobile. What I receive instead is harassing calls ever since. The calls have gone to my employer even though I have spoken to them daily about picking up the automobile.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX. 

Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file. 

Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call. 

I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. 

This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan. 

I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so. 

The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney. 

Thank you for your time and attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Consumer Loan (Vehicle lease) with BB&T CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.

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