milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Payday loan debt) with Risecredit, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been impacted by Equifax 's recent security breach, and I believe the company has demonstrated gross negligence in the management of my personal data putting me and hundreds of thousands of other US citizens at risk. I am listed as being impacted by the security breach on Equifax 's equifaxsecurity2017.com website. Additionally, the company was negligent in it 's response to this security breach, and did not notify those impacted by this breach quickly enough and admit that they will not notify everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: This is my second complaint I just filed one yesterday to make my point these people at owcen is next to impossible to deal with they are inconsistent poor communicators and have not respect for people in crisis I got a call from on XX/XX/XXXX from a agent name XXXX he left me a message stating to return his call @ XXXX and if he did not ans.tell the person to get him to the phone instead an agent name XXXX just started asking me questions saying she can help with no regards to my request to speak with XXXX I got annoyed with her and just said anything first she said XXXX was not in yet I asked her what time she expected him then she said he would not be in at all I then called XXXX this XXXX guy answered he was not polite all could hardly understand anything he said all they do is verify info but can not help you after you give them all your demographic owcen must do better this is awful no one should have to go such just to do something as important as getting repairs on your home that you have to live in needless to say it is still raining and I am still dealing with robots. ocwen is company no one should have to encounter.

Company response to consumer: Closed
Consumer complaint received 02/16/2017 about Debt collection (Medical) with R & R Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ready pay but they apology for forgeting to put it in I Talk to the R & rcolection and they say they going to fix this I pay that XX/XX/XXXX and they send me to the colection agency on XX/XX/XXXX and until XX/XX/XXXX they stil charging me for that bill

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ocwen Loan Servicing on a house in XXXX Louisiana. XX/XX/XXXX, XXXX Louisiana experienced massive flooding. My house in XXXX was flooded. It took me several months to secure a disaster relief loan, but I finally recieved XXXX and began to renovate the house. Today ( XX/XX/XXXX ) my contractor called me to state that he could not get into the house because a company called XXXX put lock boxes on the doors to the house!! I called XXXX and found out that they are a restoration company and a subsidary of Ocwen Loan Co. They claimed that they have been going by the house and it is " unoccupied ''. The house is unoccupied because it is being renovated by my contractor after being flooded! I am currently 2 months behind on my rent due to extenuating circumstances, but I will fully catch up this month. Ocwen has violated the laws in several ways 1 ) They NEVER contacted via email OR mail to ask me the status of my property. 2 ) They house is NOT in foreclosure. It is still my legal property and they had no right to put any thing on my property without my consent 3 ) The house is not abandoned, it is actively being renovated after flooding. 4 ) I am simply two months behind, they have NO RIGHT to do anything to property that is not legally theirs.

Company response to consumer: Closed
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. 
The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Navy Federal Credit Union incorrectly deposited escrow funds of into an account without verifying that my name was attached. I have contacted them on multiple times and even submitted a letter to Supervisor of Escrow named XXXX but nothing has been done. I still have not received any monies. I asked if they could put a freeze on the account until we get this resolved and I was told NO. I was told that I had signed a form at my closing and according to the form they followed procedure. I was puzzled because my closing was done at another Title company in which I had asked about the escrow funds. After calling and speaking with XXXX different people with an hour on the same day in Escrow dept I was then informed the form signed was done in XXXX. The representative apologized stating that the form should have been updated prior to releasing the funds since my account was noted for DIVORCE, she then transferred me to the Supervisor named XXXX. XXXX reviewed the document and also apologized and stated she would try to reverse the funds but after being on the phone for about 30 min she stated unfortunately she would have to send this issue to her superior. She then asked if I could email a letter to her of all the conversations I had with Navy Federal regarding the escrow funds so she could attach with it the information she was sending. I called XXXX to XXXX to confirm receipt of the letter and she stated she received it and that I should hear back from XXXX of her Managers to resolve this matter. 

I questioned the escrow funds that I Prior to selling the property in XXXX XXXX, I inquired about the escrow funds when I requested the XXXX Payoffs in XXXX explaining that I was divorced and all escrow funds should be sent to me. I explained that due to a divorce, I was awarded the property and had been paying mortgage and taxes for the past two years. I asked Navy Federal if I needed to send them copies of the divorce decree and was told NO because they do not honor divorce decrees. Out of all the monthly phone calls and Payoff requests no one from the institution mentioned to update a Navy Federal Suppression document. 
As of date, I still have not received any escrow funds owed by Navy Federal Credit Union According to court documents, I was to receive ALL escrow funds however Navy Federal Credit Union does not honor divorce decree and has failed to honor my portion of the escrow funds due. I have also requested a copy of the signed Suppression form and still have not received it.

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 03/28/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Closing/Cancelling account

Complaint: My name is XXXX XXXX XXXX. I filed Ch.XXXX bankruptcy in XX/XX/XXXX. After careful thought weighing out the pros and cons with filing bankruptcy, I decided not to continue with it so, my bankruptcy was dismissed. I called in with my creditors to make sure they received the dismissal ans the verified they did. When I went to use my Chase credit card it was declined. I was confused because I NEVER was behind in payments with them and have always paid over the minimum charge. I called XX/XX/XXXX and spoke with a Chase representative in the executive department by the name of XXXX ID # : XXXX. 
I asked him why my account was closed and he replied that it was due to the bankruptcy I had filed. I reminded him that my bankruptcy was dismissed but he kept speaking over me stating my account was closed because of the bankruptcy and that Chase will not " risk losing money with me ''. I asked him why if I never was behind plus, during the bankruptcy I kept sending payments of {$600.00} XX/XX/XXXX -XX/XX/XXXX and they kept collecting the payments ; how am I a " risk '' to Chase? He stated that Chase kept collecting because I have a balance with them. Then I asked, if was such a " risk '' because of a bankruptcy, then why did they keep collecting while I was protected under the " Automatic Stay ''? He paused for a moment and then belittled me over the phone stating that it was my decision to pay them. He did not answer my question! I asked him again and I stated that legally creditors are not to collect while one is under the " Automatic Stay ''. but he kept responding the same thing in such a condescending tone. I asked him if they can just please re-affirm the account because I wanted to keep doing business with Chase and that I have been loyal by never falling behind. He kept stating that I was a " risk '' to Chase. I do not understand why he would speak to me in such a manner when I simply was asking questions due to my concern of my account being closed. I was wanting to negotiate but I felt like I was being judged over the bankruptcy instead of considered for my faithful history with Chase. He kept saying that I voluntarily paid them, and that they could not return that money to me due to the balance I had. I have no negative history with them. When I decided not go through with the bankruptcy, I called all my creditors right away. When I called Chase and spoke with Chase representatives, I asked them if I was still able to make payments and they said yes, so that is the reason why I continued sending my payments. I still dont understand why they wont reaffirm the loan like my other creditors. I am really upset because they illegally kept taking my payments even though they had closed the account, the bankruptcy was not dismissed, and I was still protected under the automatic stay. I would like my account open again if not, then I want my money back. Attached are my receipts of payments. 
Thank you for attention I hope this issue gets resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Despite having a mortgage with Ditech Financial for less than 20 % of my home 's value, they took it upon themselves, with no approval from me, to open up an escrow account for my property & school taxes. I have always paid these taxes though sometimes I pay them late and I was late at the moment Ditech decided to establish this unauthorized account on my behalf. I reject that Ditech has the right to open up a XXXX account without my approval. This seems very similar to the highly publicized XXXX incidents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX, i spoke with a representative on XX/XX/2017 regarding an old account. Th I asked how much was the equipment fee. I was told the equimpment fee was XXXX ; i said i no longer use the equipment and would like to return it. XXXX XXXX of IC Systems instructed me to contact XXXX XXXX directly. Upon contact the XXXX XXXX representative XXXX XXXX, looked into my account and stated " the equipment was outdated and would not be accepted '', however my account would be credited the XXXX equipment return fee '' and the account would be updated to reflect the fee - over the weekend. On XX/XX/2017 i called XXXX XXXX back, as i did not see the credit on the account, i was then told - the return date had passed and i would be responsible for the XXXX - the previous representative had given me misinformation. I then quoted the recording which states all calls are recorded for customer service and quality assurance.. they told me they could not honor the misinformation provided by their representative.

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 04/24/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in a car accident XXXX XXXX, XXXX and I went to physical therapy due to an injury from the accident. The physical therapy put me into collections a total of 3 times from XXXX, XXXX. 
The accounts are as follows : XXXX/ Progressive Management : XXXX XXXX, XXXX -XXXX/ Progressive Management XXXX XXXX XXXX, XXXX -TransUnion/ XXXX : XXXX XXXX XXXX XXXX I made phone calls to the physical therapy department I went to and they had stated that it was all paid off through insurance and I did not owe anything. I had told them I was still in collections with them and I asked them to remove all XXXX of the open collections accounts a few times since I did not owe any money with them and they have yet to do so. I also have called and spoke with the collections agency and they stated that it is up to the physical therapy to remove all XXXX of my accounts from collections. I am stuck in an infinite loop where collections keeps sending me to the physical therapist and the therapist keeps saying things have been paid through insurance and i need to take it up with the collection agency. The physical therapist says there is nothing more they can do for me regarding the collection agency file ( s ). 


The XXXX collection agencies are : Progressive Management XXXX XXXX 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 08/16/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Managing the loan or lease

Complaint: I am complaining about XXXX accounts that I have with Wells Fargo. They have them listed as a charge off. I do not have the last XXXX numbers due to the age of the loans. The first is XXXX and the second is XXXX. I have tried for years to pay on these accounts and each time I try I am told that these accounts are sold and they supply me with the name of the buyer and the phone number. I call the number and they say that these accounts have been closed and to call Wells to ask any questions. Nobody will let me pay on them and nobody will let me settle on them. They just keep calling me late month after month. I have tried for years to pay or settle and nobody will let me. I recently wrote another dispute and attached is the response. I am not disputing the amounts even though there was clearly charges that should not have been on the accounts. I am disputing that these accounts should not be called late when they are closed. I am disputing these accounts that they are calling them late and will not let me pay on them. I am disputing these accounts because they say they are a charge off and still calling me late. I have disputed with them many times in the past. I never get a reason and they only say that the info is accurate. No it IS NOT!!!!! It is a crime to call someone late when the account is closed. It is a crime to report someone late when you do not accept a payment. I also want to make a formal complaint. I have been told by an employee that is in management at Wells Fargo, that Wells has reached out to all the local banks in XXXX and told them not to lend to me. If I do stop in a bank for money that Wells is to be contacted. I have this from an iron clad source and I want action now. Black balling is against the law and if this is not corrected, I will file suit and sue for as much money as humanely possible. This bank has mad a personal vendetta to black ball me and hurt mine and my wifes name and I am done tolerating it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: When Equifax had their data breach, I attempted to add a credit freeze to protect myself from their negligence, but their negligence and incompetence continues to be a problem. First, their system crashed when I put the credit freeze. I received an error message on the screen, but when I tried to reenter the info for the credit freeze, the system only gave me options for unfreezing. I did not receive the required PIN to use when unfreezing my information. 

I attempted to use the online system to issue a PIN, but all the appropriate links went to dead pages. I called their customer service number and after waiting for an hour, I got ahold of someone that said they were only answering data breach questions so I would need to call back. 

I wrote them a letter and explained that I needed a PIN for the credit freeze on my account, if indeed a freeze had been placed. They replied by mail that a freeze was in place on my account - and ignored my request for a PIN. I sent a second letter that was very clear that their system did not provide me with a PIN and the online PIN replacement process was broken. I received a letter back that said my address had changed in the last 30 days - I have lived at the same address for the past 20 years! 

I will try a third letter in the hopes of finding someone competent, but the government really needs to step in and shut this company down. At the very least, provide the consumers with an opt out for credit reporting agencies that are irresponsible.

Company response to consumer: Closed with explanation