milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started receiving emails in XXXX of 2015 from XXXX regarding update of credit card associated with an account for which I had made a purchase. I had been reviewing my checking account and noticed that the funds were being taken out so I disregarded the emails for those couple months. My balance had been pain off ; However, I was still receiving these emails. I followed up with XXXX and was notified that there was an additional account in my name and address for merchandise that I had not purchased. I notified the rep that this was not a purchase made by me, and she agreed that the card and name on the card used did not match my account name, although it did not match my address. I later received notice from a collection agency regarding this matter. I followed up with the collection agency and let him know that this was not a purchase made by me. They notified me that the only thing they can do is receive payment on the debt that is in my name, they can not change any names or transfer debt.

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 06-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.

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. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was a victim of Identity Theft. I filed a Identity Theft XXXX with XXXX, Equifax and XXXX. Their is a Bankruptcy on my XXXX XXXX that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however XXXX and Equifax refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the XXXX and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the XXXX does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND XXXX  AND EQUIFAX DO NOT????

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (KY).
Issue: Managing, opening, or closing account

Complaint: On XXXX/XXXX/2015 I should have received my direct deposit from my job that was sent to Rushcard to deposit on my account. It was not posted that night the next morning I called to see what was going on but I could n't get through, I figured it would be on there the following morning when I went to work.XX/XX/2015 I went to work and checked my Rushcard app on my phone to see if my money was there because I had n't received my text message saying it was there, when I looked it said I had XXXX from a Process credit. On XXXX/XXXX/2015 I went to the bank to withdraw my money to pay my bills and my card was declined so I pulled my app up for the teller and showed him it was there so he ran it again. The second time he ran my Rushcard my account went to XXXX, I let him know that he got the money because my balance went to XXXX, He stated ma'am your card declined and it did n't give me your money, How embarrassing! So I went to work and that night I was able to get ahold of a representative for Rushcard after being on hold for an hour, they explained that my direct deposit was safe and they were working through some glitches and it would be posted soon but could n't give me a day or time. Long story short.. it is now XXXX/XXXX/2015 and I still have not received my direct deposit from XXXX/XXXX/2015 from my job that was sent to Rushcard. I have spoke with several different CSR and have been told a lie everytime I 've called.. It feels like I was stolen from because they will not give me what I have worked for. I had to go take out a loan just to pay my bills and to keep from loosing my car because Rushcard wo n't give me what is owed to me.. Every time I call Rushcard and put my information in it will ring three times then hang up. I have switched my direct deposit over to someone else now so that I wo n't have to worry about this anymore but Rushcard owes me {$580.00} and I want my money. I have my paycheck stub and all my Rushcard transaction history printed for proof of what they owe me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I 'm desperate and looking to you to help as the only consumer advocate I 've got!! 
Tried to get access online to my credit reports though XXXX also by phone. 
I provided all the information that was requested to all 3 agencies. 

Online : the response today Mon. XXXX XXXX at approx. XXXX all 3 reporting agencies were unable to compete my request for my credit reports. 

By Phone : Request could not be completed. 

TransUnion : Unfortunately your request can not be fulfilled online at this time, based on the data provided. TransUnion XXXX : Error Information Http Status 400 Group 11 XXXX : We are not able to deliver your free XXXX annual credit report online. 

I then proceeded to call : The automated system could not deal with my XXXX accent..the message I left was repeated back to me did not hear my name correctly..the automated system would not let me finish and kept speaking over my answers to the questions. 
Surely using the phone alpha. and numeric system would overcome the above problem.
No Live persons were involved. 
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 04-06-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I CONTACTED SEARS HOME IMPROVEMENT TO INSTALL HEATING/AIR CONDITION IN MY RENTAL HOUSE AT XXXX XXXX XXXX XXXX, NC XXXX. I WAS GIVEN THE PRICE AND ADVISED IT WAS INTEREST FREE FOR THE XXXX 12 MONTHS THEN AFTER THAT THE INTEREST WOULD BE BILLED ON REMAINING BALANCE. I HAVE PAID XXXX MONTH FOR 12 MONTHS WHICH LEFT A BALANCE OF XXXX. AS OF THE XXXX BILLING STATEMENT. MY XXXX STATEMENT {$1500.00} WAS ADDED TO THE STATEMENT. SINCE I HAD NOT MADE ANOTHER PURCHASE I CONTACTED SEARS PHONE ON THE STATEMENT ONLY TO FIND OUT THE STATEMENT WAS SENT OUT AS SEARS HOME HOME IMPROVEMENT BUT THE NUMBER ON THE STATEMENT WENT TO CITIBANK - WHY SEARS IN LISTED AS THE COMPANY AND CITIBANK IS THE PHONE NUMBER IS BEYOND ME. THE SUPERVISOR ADVISED THAT {$1500.00} WAS ADDED FOR THE RETRO INTEREST TO THE XX/XX/2015 STATEMENT BECAUSE THE BILL WAS NOT PAID IN FULL IN XXXX YEARS AND INTERST WOULD ALSO BE ADDED IN DOUBLE DIGITS PERCENTAGE. THIS IS NOT WHAT THE SALESMAN THAT SOLD ME THE UNIT TOLD ME. SO NOW I HAVE PAID XXXX XXXX XXXX. AND NOW THEY CHARGE XXXX MORE WHICH AMOUNTS TO XXXX BEING CREDITED ON MY ACCOUNT. PLEASE HELP ME I HAD XXXX XXXX AND NEED YOUR HELP DESPERATELY. I HAVE REQUESTED A COPY OF THE AGREEMENT ONLINE SO I CAN FORWARD TO YOU BUT HAVE NOT RECD YET - THIS IS BAD BUSINESS AND THERE IS NOT TELLING HOW MANY TIMES SEARS HAVE PULLED THIS TYPE OF DISHONEST TRANSACTIONS TO THE CITIZENS OF NORTH CAROLINA. PLEASE HELP XXXXXXXXXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX , Experian,  XXXX  we found out they all out sourced ALL  AMERICANS CREDIT IN FO, to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them , " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in thi s way!

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have two accounts reporting to my credit. XXXX XXXX is reporting to my XXXX and XXXX/XXXX  is reporting to my TransUnion. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with TransUnion that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion

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 09/23/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment prior to the XXXX of the month but the payment was n't credited to the account until days later. I was charged a late payment last month. The payment I submitted on the XXXX of this month has yet to be withdrawn from my account as of the XXXX. I am worried I will be assessed another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (MD).
Issue: Problems when you are unable to pay

Complaint: On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with PMAB,LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Someone open accounts using my private info without authorization or disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NM).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.

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 11-05-2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I thought I had properly set up my loan on monthly auto draft through the online website. I never received a phone call letting me know that my mortgage payment was late. I happened to check the website on XX/XX/XXXX and noticed that my loan was now over 30 days late. I immediately made the XX/XX/XXXX and XX/XX/XXXX payments. As I was under the assumption that the loan was set up on auto draft. Also, had I been notified before the 30 days was past, I would have made the payment on time. CMC Funding will not doing anything to help fix the credit report reporting the late payment.

Company response to consumer: Closed with explanation