milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Trans Union and that their court does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Trans Union? According to the FCRA it is not permissible for Trans Union, a THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. This information is not accurate and is not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with Southern Service Systems, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After receiving a copy of my credit file I noticed a debt of which I knew nothing about, this debt was with XXXX XXXX XXXX in the amount of XXXX XXXXI disputed this debt with the credit bureau XXXX , I have disputed this account on 3 different occasions, once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time I received a response back saying this account  was verified however I asked for verification to be sent to me and never received anything. I am asking that this account be immediately removed if no signed contract can be provided as I have no knowledge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: you have gotten many many complaints from me but much remains unresolved. I am now getting postcards and letters from lawyer on foreclosure defense. yes i have no loss mititgation packet i asked for many times and i am getitng letters saying you have all my papers. there is no way you do. i am still doing it. 
and dont have XX/XX/2015 taxes done yet. i am about to send XX/XX/XXXX payment and need to work out repayment. I have written to XXXX XXXX. I want to know why i am getting these postcards and it has to stop. why am i hearing from lawyers? has foreclosure been filed? i want someone to call me after XXXX eastern 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 explanation
Consumer complaint received 06/30/2016 about Debt collection (Medical) with Carmen V. Porreca, P.C. (GA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: When contacted by Carmen V. Porreca P.C. on XXXX XXXX, 2016, my husband who is an authorized third party was advised not to send in a letter disputing the charges when he stated I wanted to dispute it. He was advised if we wanted to dispute the charges we should allow for the charges to go to court and wait to be served by a sheriff. I never received any notice or anything advising I have the right to dispute the debt. 
When contacted by XXXX from Carmen V. Porreca P.C. on XXXX XXXX, 2016 I told her that I had received letters from law firms advising my check was to be garnished to due this debt. She told me that it was not true and that it 's just what they do as they are like ambulance chasers. She said I am worrying for nothing. As the call progressed she refused to let me speak to a supervisor and when asked if calls are recorded she stated '' Yes and they will see how mean you are ''. When I still pressed for her supervisor she hung up. I called back and she answered. After continuing to ask for her supervisor 's information she finally gave the name of XXXX XXXX and advised she was not sure when she would came in but she would call me when she does. No call was ever received. I told her I would like the bills and I will try to look into them with an attorney she advised it would not matter it wo n't stop them from collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Medical) with I.C. System, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.

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 12-11-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX I paid my XX/XX/XXXX mortgage payment online at Capital One anticipating that I was to pay it off entirely soon. On XX/XX/XXXX I paid the mortgage off after ensuring that the XX/XX/XXXX payment had also been made. The web site showed that the next payment was not due until XX/XX/XXXX. In spite of this and that I had paid the entire mortgage they took another payment on XX/XX/XXXX. By this time they had removed my account from the web site with any information about the mortgage so I called the XXXX number for Capital One. After explaining the problem I was told that they would transfer the money back to my checking account in 3 to 7 days even though I told them that they had taken the money from my account and I needed the money to pay bills now. 
Seven days later ( XXXX XXXX or so ) I called again since they had not returned the money yet. I was told by XXXX that I had to wait 10 to 15 days and they would then send the information to another group who would write a physical check and then mail it out to me. I told them that this was not acceptable. She told me she would check on what they could do and get back to me within two hours. She never called back. 
I was away the week of XX/XX/XXXX to XX/XX/XXXX and found a few messages on my answering machine when I returned. XXXX from the President 's line at Capital one 360 told me that since I did not answer all of her calls she would not call back again but she left a number ( XXXX extension XXXX ) where I could call her. I called on XXXX XXXX but have not received a call back yet. 
Also on my return last week I found an overnight envelope propped against the door. It contained a check From Capital One made out for the wrong amount from a nonexistent account. 
I would like to have them return the money quickly. If necessary by deposit in my checking account with them and to ensure that they do not take another payment in XX/XX/XXXX. 
I submitted a claim to the wrong department in New York State and they said that they have referred the claim to this agency but I need to make sure because the money that Capital One took from my account is needed to pay tax bills this month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I found out on XXXX 2015 that I was a victim of identity theft. Upon further investigations on my own, I came to realize that this " entity '' that had stolen my identity apparently used a suffix in my name, " XXXX ''. I of course have notified all three reporting agencies and Equifax is still yet to permanently update this information and block the " XXXX '' from reporting to my credit report. My legal name is XXXX XXXX XXXX. I have on ( XXXX ) occasions uploaded the following to support my legal identity : US Passport, current Drivers License, Social Security card and certified copy of birth certificate. As of today, they still claim that this request is still processing after almost 9 months of my disputing. Please note that both XXXX and XXXX are accurately reporting my legal name. Whereas, Equifax has yet to do so. Because of this, I am unable to verify my identity with anyone to establish credit whether with utility companies or any other type of potential credit. At this juncture, this is very harmful to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I use   XXXX   XXXX   to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).

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 09-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I opened my first banking account ever with Bank of America a couple years ago not sure exactly when. Long after, my account was compromised some how and I filled fraud immediately. I took the proper and necessary steps to resolve this. During that time there were many phone calls and letters sent back and forward between I and the Bank upon this issue. Shortly after the issue I thought was resolved.

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 03/23/2018 about Debt collection (I do not know) with Rothberg Logan & Warsco LLP (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/18 I was called into the HR office where I work about a wage garnishment, I had not received any notification from Rothberg Logan and Warsco LLP at my home or through the XXXX County Court System. They have been garnishing my wages for several years, they have caused my daughter and I to live in a state of oppression for several years. I have a set a court date I knew nothing about until today. On several occasions they say they have not received payments that have been sent, they have put levys on my bank account, causing bills to not be paid or paid late, I have asked for them to put me on a payment plan that I can afford and the last few times I have requested to do so they want XXXX, bank statements, check stubs, etc., and to take things to court, or for things to be faxed to them when I have no access to a fax machine and cant afford to mail all that information. 

Also, I want to state that I was not served by the court I was served by my employer. Which I believe should have come from the court not the HR department. 

Also in the six years I have had to deal with this company not once have I seen a proof of obligation just letters stating I owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen. 
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ). 
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ). 
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised. 
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number. 
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated. 

Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Vehicle loan or lease (Loan) with PNC Bank N.A. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have problum with PNC bank auto department. last month XX/XX/XXXX, I call about payoff amount they told me {$14000.00} which they took from my acct XX/XX/XXXX I told them please cancel my auto debt from my acct, They told me we cancel auto debt, XX/XX/XXXX they took {$5000.00} again from my acct, I call pnc bank they told me by mistake we took but we will reemberse XXXX back to your acct today XX/XX/XXXX I call them do you send money but their answer it will take another 7 days to send ck, is it fair when we owe bank they charge interest every day so their mistake we suffer to get our own money

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Deposits and withdrawals

Complaint: Our company has a business PayPal account. We received a payment from a client/customer via PayPal payment plaftorm online via credit card for $ XXXX. PayPal immediately provided full credit of the payment to our business account on the same day the payment was made and invoice was annotated on PayPal 's online system as, " Completed. '' Again, the client has been provided with the service and was invoiced for that service. Approximately 4-days later, PayPal 's Risk Operations Department initiated a limit to our account for the remaining funds available in our business - $ XXXX. A telephone call was initiated with PayPal 's Resolution Team to discuss why a limit was put on our account. We complied with PayPal 's request for supporting documentation and online submission of explanations of specific transaction conducted on our business account - i.e. incoming payments between $ XXXX, along with providing documentary evidentiary support for the {$10000.00} credit card payment received, fully credited and processed by PayPal on the same day - without any limitations, holds and/or restrictions to access to those funds. After being provided with two separate email notifications by PayPal - detailing the 24-48hr turnaround response for resolution of the matter ; we were notified during a telephone call by XXXX of the Risk Operations Department that a " ... 180-day hold would be placed on $ XXXX, on our account for risk liability purposes to protect PayPal. '' Based on legal review of PayPal 's Acceptable Use Policy XXXX we were not told or lead to believe that PayPal 's de facto decision to withhold funds legally earned, paid, credited and utilized, were in violation of PayPal 's Acceptable Use Policy, as contained herein this complaint. Specifically, we were informed verbally and via email that the funds being withheld for 180-days are for the specific justification of maintaining PayPal 's Risk Liability at a level required by PayPal. PayPal subsequently - on the same day, before the close of the business banking day, after we communicating our intent of filing an official complaint with the XXXX Treasury - Office of Comptroller of Currency ; reactivated our business debit XXXX, and provided us access XXXX - which needed to be transferred from a XXXX currency accounts with PayPal XXXX. XXXX accounts have been placed at zero balances, because we were in need of payment of online subscription payments for online access to a private service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation