milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX has been reporting since XXXX that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a Foreclosure. I am trying to refinance my current mortgage and ca n't because this is on my Experian credit report. XXXX and XXXX credit reports are correct. I have contacted XXXX XXXX XXXX on numerous occasions and Experian and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe XXXX XXXX XXXX and Experian are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, 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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  and Experian refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.

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 04/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RE : Portfolio Recovery Associates    XXXX    Acnt #   XXXX   RE : Portfolio Recovery Associates    XXXX   XXXX   XXXX    Acnt  #  XXXX   Portfolio Recovery Associates i s currently attempting to collect a {$4400.00}   XXXX    XXXX  debt ; however, although it is  XXXX  debt/collection they have it reporting as  XXXX  debts/collections, the account number they are reporting on  XXXX   &   XXXX  is different than t he one on  appearing on my  XXXX  report ; because of this, when a tri-merge is pulled it is counting as  XXXX  different and separate collections/debts.     Furthermore, the amount they are collecting on is inaccurate. I ma de 2 fin al payments to  XXXX   XXXX  prior to the account going into collections, so even the {$4400.00} is wrong too.     I simply wish f or Portfolio Recovery Associates to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be  removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: Shell XXXX Co did not bill me in a timely manner for the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX gas purchases. All my other bills were forwarded to me by the XXXX XXXX XXXX to my XXXX address ; the last legitimate charge of {$52.00} was paid on XXXX XXXX, XXXX and any other charges are late fees and not my doing.

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 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a medical collection from XXXX XXXX XXXX on my Experian credit report that is unknown to me. It has only ever reported to Experian, since I discovered it. I sent an initial dispute to Experian notifying them this was not my account. Experian claimed their investigation verified the account belonged to me and if I wished to dispute the account to contact the data furnisher for additional information. I then mailed the Collection Agency ( XXXX ) a certified letter whom did not respond to my request to provide information that this medical account belonged to me. I followed up with another dispute to Experian via certified mail, notifying them that I followed their outlined procedure by requesting the information from the collection agency. In response back from Experian, they stated that the results of their investigation were updated in my file. In another attempt to further determine if this was my account I sent a certified letter to the original creditor listed and they did not accept my letter. It was returned to me. I am frustrated that this account continues to report on my report and the collection agency verifies it, but not them nor Experian has provided any information to support that it does in fact belong to me. From what I understand to report anything medically related that they would be able to provide a copy of a XXXX release showing they have the right to report this account they claim to be mine or that they have a business relationship with the original creditor, which grants them the right to disclose private medical information.

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 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with Wells Fargo in regards to a loan modification : But, before you can be reviewed you have to pass their " ReEntry team ''. This team decides whether or not you should ; d be reviewed for a loan modification. If they say " you are not worthy of a review '' they deny your request, and you do not have an option of an appeal process. They violate your " Home Owner XXXX '' by not reviewing your file. I just want to save my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortage is refusing Automatic termination of PMI at 78 % LTV as required by Homeowners Protection Act ( HPA ) of XXXX ( Automatic Termination as required by USC Title 12, Section 4902 ( b ), and definition of : Termination Date as defined by USC Title 12, Section 4901, ( 18 ) ). Freedom Mortgage is incorrectly applying an investor guidelines as outlined in Consumer Financial Protection Bulletin XXXX, dated XXXX XXXX, XXXX, Section XXXX, on Automatic Termination, and specifically Page XXXX Section B applying to " Investor Guidelines ''. I am submitting a formal complaint and wish Freedom Mortgage to comply with Federal HPA Law.

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 01-12-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IN).
Issue: Taking out the loan or lease

Complaint: WELLS FARGO DEALER SERVICES FAILED TO REMOVE XXXX HARD INQUIRIES FROM MY XXXX CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has made my experience with them terrible. I went from a 2.99 interest rate and out of know where it increased to 6.74 %. I have tried to refinance my rental property with my bank but due to the property not worth what I purchased it for I do not have enough equity in the property. Ocwen talked me through trying to get a modification this process took six months and I received a denial. A 6.74 they have me trapped in is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The issues I have is that my twin brother and I for some reason, our SS # '' s are switched and the XXXX credit bureaus are not willing to work with us getting this corrected without paying them for services. We did not make this mistake someone else did and we can not get credit reports and or get positive reports when applying for our student loans. 
How can we get this fixed 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
Consumer complaint received 01/13/2018 about Checking or savings account (Savings account) with SLM CORPORATION (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: The XXXX XXXX XXXX site will not allow me to login to my account. There is an error with the system either timing out while trying to log in or it has an issue with cookies. The site locks you out of your account ( even after allowing you to go through layers of verification- which have to be correct or the system does n't let you proceed ) and there are no protocols in place to unlock the password or account on the weekends. 

I am buying a home, and keep my money for appraisal/inspection/insurance in this account. I will now be unable to access the account to set up a transfer in any capacity until Tuesday, potentially causing my student loan payments to now bounce since I 'm on auto pay and and was assuming I could ... You know, access the money in my account to help cover the XXXX $ appraisal I went ahead and paid for. 

No way to access to my account or money for three days or a bank with no physical presence being closed for that long should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: i have a personal account and business account with navy federal credit union.i wrote a check by mistake for about {$18.00} from my business account and three checks totaling about {$11.00} or {$12.00} from my personal account.They closed and charged off my business account and, trans fered about {$140.00} in overdraft and fees to my personal account and now want about {$340.00} in overdraft and every 5 days {$38.00} late fees.can you help me? I am a XXXX YEAR OLD XXXX XXXX XXXX XXXX, XXXX XXXX VETERAN, ON SOCIAL SECURITY {$690.00} AND VETERAN XXXX {$130.00} A MONTH INCOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I wa contacted regarding a credit card debt from 2011 by Preimum Recievables out of Huntington XXXX, California. I was told I was contacted by mail and never recieved this information. They contacted my work and my cell phone saying they were going to serve civil matter paperwork. I insisted I resolved this out of court and requested a validation of debt. They said they were not going to do that by law because they did n't have to after 30 days of contacting me. They sent me a letter saying what was owed beforehand via e-mail. After recieving that is when I asked for validation. He started argueing with me and said he would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Dear Sir Or Madam, I tried to open a Cap italOne 360 checking account about eight m onth ago.   My application was rejected because of an unclear verification issue.   In spite of my com plaint No.  :  XXXX  by CFPB, a transparent verification procedure was not provided and a CapitalO ne 360 checkin g account was not opened.     However, I receive
d a CapitalOne   offer to apply for a credit card about one week ago.
Could you explain why CapitalOne   fi
rst rejected my application for a simple checking account and then offers me to apply for a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with USCB Corporation (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this debt with collection company as well as spoke with original creditor this is a fraudulent debt ive never taken any classes with this company and they show that someone signed up online with my info but never took a class with them in there own words anyone can use your info to sign up butno services were ever provided by the school and no clases were ever taken by anyone

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 12/26/2016 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't believe it 's my debt

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 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I setup an account with Coinbase and invested XXXX GBP. I made a little money buying virtual currency and sold the stock which is now valued at XXXX Euros. I have tried to withdraw this money and the company are not allowing me. 
I have emailed them, tweeted, and getting no reply. I think this is a scam company

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My original home loan was with XXXX made in 2006. XXXX did not charge me a fee for making my mortgage payments online. Several years back XXXX XXXX XXXX sold my loan to Nationstar Mortgage, who charges me a fee of {$9.00} each month for paying online. My loan was sold to Nationstar Mortgage unbeknownst to me and I never signed any paperwork agreeing that I would pay a fee to make payments online. I 've spoken to several representatives with Nationstar who will not waive the fee. I received a mortgage loan from one financial institution who did not charge me a fee for making payments online and through no fault of my own ended up with another financial institution that charges for paying online. It 's not fair to me the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint: Citizens Bank at XXXX XXXX XXXX XXXX, RI I rolled over a CD at this bank on XX/XX/2018 this was two days after its expiration and the assistant branch manager ( XXXX XXXX ) charged me an illegal {$50.00} early termination fee. I had to call and complain twice before it was fixed. Bank is shady and I have had problems with them in the past with illegal fees and aggressive sales tactics. 

I can provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have requested several times to have equifax to properly note the XXXX account. I AM NOT REQUESTING the account to be verified. ( That has already been done ) I AM NOT REQUESTING to have the account to be noted as charges off or sold to an outside collection agency and have the account balance made zero. ( That has already been done with several written request by me ) WHAT I AM REQUESTING is that EQUIFAX reports WHO IS CURRENTLY THE OWNER of THIS DEBT ( WHICH IS XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE PHONE NUMBER IS XXXX XXXX XXXX XXXX extention XXXX. THIS IS the owner of the debt and the report should be listed as such. ( SO I CAN DEAL WITH XXXX WITH THIS MATTER ) t IT IS ILLEGAL TO REPORT misleading AND INCOMPLETE INFORMATION or PARTIAL information. XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX YEARS AGO. XXXX XXXX XXXX owns this account SO EQUIFAX SHOULD NOT HAVE XXXX LISTED ON MY CREDIT REPORT. THIS IS ILLEGAL. IF EQUIFAX DOES NOT WANT TO VERIFY THAT THE ACCOUNT HAS BEEN SOLD FROM XXXX YEARS AGO & gt ; PLEASE IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. I have already secured legal counsel as I promised that I would do in my previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Delinquent account

Complaint: I had a Bank of America credit card for about 10 years. The account is now closed and the balance is XXXX. The credit reporting agencies are reporting different information about the account. XXXX reports a 30-day late payment in XXXX 2011 but on time payment in XXXX. XXXX reports a 30-day late payment in XXXX 2011, but an on-time payment in XXXX 2011. I have written to BOA XXXX times to try and resolve this, have submitted inquiries to XXXX and XXXX. No results. Somebody has it wrong -- I want BOA to stop reporting the account altogether since they ca n't get their records straight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (MD).
Issue: Managing the loan or lease

Complaint: I contacted BMW financial about my auto loan and spoke about a payment arrangement that would keep my loan from being 30 days late. I was sick and not working but wanted to protect my credit and let them know it would be late. I was informed by the credit dept that as long as my payment was paid on the XXXX it would not be 30days late. I faithfully paid for several months on the XXXX again advised and directed by different reps. I tried to refinance my home and realized someone had reported i was 3 times 30 days late. BMW financial had reported me 30 days late. I called and explained i spoke to several different reps about my account, and was given the same info. They said oh I see what happen some months have 29 days, XXXX, or 31 days so that would vary. No one relayed that to me and I asked the date to pay. They are not willing to correct what they know they told me. They mislead me and fraudulently misrepresented the status of my account. I 've tried to resolve the issue with them but they will not take any responsibility for the mis information that was forwarded to me several months and adversely affects my credit. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XX/XX/2016 Costco changed from XXXX to Costco Anywhere Citi Visa. On XX/XX/2016 I paid {$5900.00} to XXXX. On the first statement from Citi Visa I received a bill for {$5900.00} the amount that I had paid XXXX ; Citi informed me that I had not paid XXXX and therefore ; I needed to pay them. I informed them that I had payed XXXX and sent them a copy of my bank statement that showed the {$5900.00} being deducted and payed to XXXX. Citi Visa refuses to correct their mistake and issue credit to me for {$5900.00}. Because Citi Visa has not corrected their mistake my credit score has been down graded and when I tryed to refinance my Mortgage I was told that I was going to pay {$250.00} more because Citi Visa had reported that I was late with payments. Customer Service at Citi Visa has told me on different occasions that they had found the payment only to receive letters later informing me that I still owe the {$5900.00} because they had not found the payment after all. I have been trying to get this issue resolved for over 9 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 explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued phone calls for a person with same name as me. Calls are coming from Portfolio Recovery Associates. I have requested that my phone numbers be removed. I have XXXX lines and calls come on both.

Company response to consumer: Closed with explanation