milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I missed the call while at work, an went on break to return the call. Upon speaking with the first agent, he verified my information ( i.e name, last known address, and last XXXX of social security ). After answering yes, he spoke authoritative to state that I had a previous debt from a company I never heard of. When I stated to him that prior to my move and job loss, I paid off all payday loans. He laughed and said " Ma'am do n't waste my time '' if you do n't pay your bills I just need you to say that, and that you are n't going to pay this XXXX. He stated that his name was XXXX. when I stated that he was rude and would n't let me address that the loan he 'd referred to was not the originator, and I wanted more information. He interrupted me stated I was a low life and then hung up. I waited about XXXX minutes and called back. I then spoke with XXXX at ext XXXX. He also ask to verify my identity to continue their credibility. I asked if he had anything in writing to prove the debt, he stated that his company could not forward such information. I asked if the accepted payments via mail, he stated they only accepted payment via phone. I asked if he had the originating account information, as I did n't know of the name by which he referred the debt. He said " XXXX XXXX '' was the parent lending company, and they are demanding the outstanding balance. He stated that once the {$500.00} was paid with either credit card ( with the exception of XXXX XXXX, debit card or pre-paid card, would be the only letter I 'd receive with regards to the debt. Although he was more polite, i do n't believe the company and the debt is credible. I have gotten other loans, and this company appears to not be legitimate to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received  XXXX  solicitations from  American Express  in late  XXXX   XXXX  offering  XXXX  miles with  Delta if I signed up for the Gold Skymiles credit card befo re  XXXX   XXXX ,  XXXX  and spent {$3000.00} in the first 3 months. I received the card approval  XXXX   XXXX ,  XXXX  and spent over {$3000.00} by the end of  XXXX   XXXX . I have contacted  American Express  several times most recently on  XXXX   XXXX ,  XXXX  where a back office inquiry was opened and on  XXXX   XXXX ,  XXXX  to follow up on findings. I was informed that  XXXX  miles was all I would receive. I fulfilled all of my obligations to receive the  XXXX  miles according to the  XXXX  brochures I received but can not get an answer as to why  American Express  is denying me the miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried to dispute and contact this agency for the past two years but they will not comply with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with Credit Bureau Services Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I did not recieve proper notification of this bill. I was not given the opportunity to dispute this bill prior to it hitting my credit report. Is this credit company licensed in my state to collect a debt that was not verified? I would like the account removed and given the opportunity to properly dispute rhis bill. I want the account remove from all three of my credit reports immediately.

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 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed off a letter to the credit reporting company with a tracking number and my mail has been sitting at the XXXX also mailed to the XXXX in XXXX Texas and the reporting company still have n't picked up my documents. How am I to adequately dispute the inaccuracies on my credit report if Experian will not pick up there mail that has been sent through the usps using certified letters. Also the mail is being delivered at the XXXX that has designated to sending consumers disputes.

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 12-07-2016 about Credit card () with PAYPAL HOLDINGS INC. (IA).
Issue: Transaction issue

Complaint: I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$1600.00} and they said I was going to make between {$2000.00} - {$3000.00} a month. It seemed very good to turn it down that opportunity. They said they would train me on how to put products for sale on Ebay. They would help me to find drop shippers so I could sell, all they have done was send me some videos to watch. I had no 1 on 1 training like they said was ever done. I could barely get in touch with anyone from XXXX on the phone. Very little contact. And when I asked for my refund they stopped answering my calls. I did not make any profit out of this mess. I could n't find products to list on Ebay to make a profit. They did not provide the services that I purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these.

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 02/23/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Pretender lender loan servicer " Ocwen Loan Servicing '' sent me a delinquency notice regarding the fraudulent {$750000.00} loan modification I signed under fear and distress to avoid Ocwen 's fraudulent foreclosure and trustee sale. I do n't own pretender lender loan servicer a single XXXX, in-fact they own me money. Its a good thing Ocwen XXXX hide behind there computer like little children because they would n't dare get in my face. Ocwen you XXXX have been found guilty of many violations and fraud through your XXXX years. XXXX, not XXXX. Keep on hiding behind your computers Ocwen little children. You are a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 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: I recently received my free annual credit reports. On XXXX and Experian, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, Experian, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX  XXXX XXXX and had a terrible experience. XXXX   refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not 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 non-monetary relief
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get a call every single day, sometimes multiple times a day, from a company called RPM ( Receivable Performance Management ). The number is usually from the XXXX area code. The latest was XXXX XXXX XXXX XXXX. 

I only know who they are because I looked up the number. If I do n't answer, I get a voicemail of a recording that says " This is a call from a debt collector. Please call XXXX ''. If I DO answer, I only get silence. At no point can I ever talk to anyone and tell them to stop calling me. 

I have no accounts in collection. I routinely check my credit reports. I just want this company to stop calling me. I refuse to call their XXXX number just because they use robocalling with no one on the other end to talk.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to properly secure my personally identifiable information, leading to a breach which exposed the information of myself and nearly half of all Americans. The public was not notified promptly, and Equifax executives used this opportunity to sell stock to protect themselves rather than the public whose information they abused. I did not receive any information directly on this and instead learned about it through news reports. Equifax is only offering one year of credit monitoring, which is completely inadequate since this breach will cause security issues forever for anyone whose information was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting two inquires from XXXX XXXX XXXX XXXXXXXX XXXX on my credit report. One inquiry was made on XXXX XXXX, XXXX and the other was XXXX XXXX, XXXX. I never authorized XXXX XXXX XXXX to pull a hard inquiry. Can you please delete those two inquires from my credit report? It is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. This would be my second complaint filed against NCS and really not sure if they care or they 're just over paying the credit bureaus but I need help aginst this company. 

I 'm uploading another round of documents and required forms. thanks XXXX

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 with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX    XXXX   issued a letter stating they would not remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law.

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 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted.

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 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Some one fraudulently signed my name to an apartment and did n't pay the rent .They went to court and even paid a payment of XXXX towards theXXXXXXXX I asked for proof of signature and he said he did n't have to show proof..I told them it was fraud and to delete it off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Called me at 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 non-monetary relief
Consumer complaint received 04/22/2015 about Debt collection (Payday loan) with Enova International, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.

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 with explanation
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I opened a  Checking and Savings Acc ount with Bank of America.     A few days after the accounts where opened I deposited money in both accounts. A day later I tried to access the accounts by logging in online and access was denied. I was told when I called the risk department the bank decided not to do business with me and the accounts were closed.     I was also told during that call that I would need to go to the local branch to get my money back. I went to the local branch and I was told they couldnt give my money back because they dont have access to closed accounts and the risk department should have told me they would mail the funds back to me.   In the meantime, I keep getting new account information from Bank of America regarding the opening of the accounts ( see attached document ). But no mention of the money they are attempting to steal.     I have attached documents showing the money is there and I would like my funds mailed back to me ASAP ...

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