milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.

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 11/18/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call from someone claiming they were calling on behalf of NCA for money I stilled owe. When I asked them who it was that I still owed theyou told me XXXX, I told them I had paid them off around a year ago. After I told them that they proceed to tell me that it was actually for XXXX XXXX XXXX, which I had paid off in XXXX of 2016 and I let them know I had already paid that off but they proceed to tell me I still owed money. After I got off the phone with them I contacted my bank and they told me I owed them no money and they had no idea why this person was contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Application processing delay

Complaint: I got denied credit for chase freedom credit card, because they said i had too many accounts open or too many loans and thats inaccurate, somebody must be using my information

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a credit card company, Capitol One, that is suing me for a credit card that was not my account. I began by filing a fraud affidavit for this company, to later be notified that a trial is beset for this credit card that has been fraudulently established in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: I opened a sears card last month while in a Sears store shopping because by opening the card I could get a percentage off my purchase. I called Sears two weeks later to find out how I could pay off the card. They would not give me any information unless they could verify my ssn. I explained that I do n't use my ssn for verification. I asked them if they could verify something else. They said no. I went into a Sears store to pay my card off about a week later. I called two days later and requested to cancel my card. They would not continue the call with me unless I verified my ssn. I said I am not asking you for information on the account I just want to close it. I was transferred to fraud who took me through verification. I asked how do I close my card and she said we need your ssn first. I asked her if there was another way to close the account she said no. I refused to give her my ssn just to close the account. The call escalated and she hung up on me. I believe the ignorant lady 's name was XXXX. If I would have known that the ssn was a prerequisite for getting any business done on this card I never would have opened it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2015 about Debt collection (Payday loan) with Cornerstone Mediation LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is inaccurately reporting my escrow and payment information. I had a Chapter XXXX payment plan for mortgage arrears that was discharged XX/XX/XXXX. ( My loan was originally with American Home Mortgage and was transferred to Ocwen XX/XX/XXXX ). After making all on time payments to Ocwen during the payment plan, and making final cure payment to Ocwen, Ocwen still reflects the escrow shortage balance that should have been paid off XX/XX/XXXX. I contacted the trustee office which confirmed that all arrear payments had been made in full. Ocwen has not responded to my several requests for a detail accounting of my payment history since initially requesting this XX/XX/XXXX. The office of the Ombudsmen has sent me a letter each month telling me they are researching the matter, but has failed to do anything more. I just received a foreclosure prevention packet in the mail this week as well. Ocwen has since increased my mortgage payment by more than {$200.00} additional each month. I am unable to pay the bogus amounts that Ocwen is reflecting as they have added even more unexplained fees and charges to my account after the discharge with no explanation! I have sent a complaint to XXXX and the IL states attorney XXXX XXXX 's office, but have been unsuccessful thus far on getting anywhere with this case. I find it unreal that they were just sued for fraud and their unfair practices, and yet here they are again doing the very same thing. I would really appreciate your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: RPM has continued to harass me after i have asked them repeatedly to stop, the company bought a debt from another debt collector that is mine, the debt was fraudulent for an account i did not open, i advised the previous debt collection company off this and now this company, keeps trying to collect the debt i told them to stop calling and they have continued to call my house and harass me, the representatives have been nothing but rude, they have yelled at me they have hung up on me and have transferred me back and forth into circles.

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 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Our clotheswasher broke so went to Sears to shop this was the Wednesday after XX/XX/XXXX ( XX/XX/XXXX ). Very knowledgeable salesman helped us and convinced us that we should open a Sears Account to get free delivery and installation, and other benefits that an " ordinary '' customer would not get. Reluctantly agreed since we have very few credit cards and do n't want any more. 

Took an hour to do the transaction and answered invasive questions such as annual income and SSN ; started getting nervous. Salesman said we 're done, hit a button, and a message printed saying that our credit could not be approved and we would receive a letter within 10 days explaining why. 

Salesman apologized ; said it had been happening a lot lately so if we wanted to use our own credit card, he would give us the same deal we would have gotten with Sears credit card. We said no way : CANCEL EVERYTHING, INCLUDING THE CREDIT CARD APPLICATION. He did it while we watched.

The next day, I started receiving emails from Sears
welcoming me to its Rewards Program. I unsubscribed and deleted them.

A few days later, I received a letter welcoming me to Sears and providing a Sears Account Number. I called the toll-free number and followed instructions to CLOSE the account. It said : ARE YOU SURE?? And I said " YES!!! '' Today, I received a Sears XXXX from Citibank. That is the final straw. I recently applied for a credit card for my small business and was told by my bank that the credit limit was being reduced because I had too much credit outstanding. I now realize it was this UNWANTED, UNAUTHORIZED Sears/Citibank Credit Card that has now impaired my credit capacity. 

This is OUTRAGEOUS : we only filled out the application in order to get our clotheswasher. We then WERE REJECTED by Citibank while at the store so we CANCELLED EVERYTHING : clotheswasher AND Credit Card. Then I get unwanted Sears Rewards membership, unwanted Sears Account #, and now, unwanted Sears/Citibank XXXX. 

By searching the internet, I know others have been scammed in exactly the same way. It is unacceptable scammy behavior!! They need to be disciplined ; I hope your agency can do it.

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 03/21/2017 about Debt collection (Credit card) with Stenger & Stenger, P.C (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a company by the name of Stenger & Stenger out of XXXX Michigan, when I tried to find out what the debt is for they wanted me to give information I was not comfortable with. Like social security number and date of birth and then got very nasty when I told them I was not comfortable and then I was told that they were n't comfortable with letting me know who they represent if anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 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: Account status incorrect

Complaint: I have contacted transunion several times about these accounts that is being reported negative and verified i have asked them in a certified and notarized letter to please show me a signed contract with my name on it. and to show me proof on how the information was verified. They continue to send my reports back saying updated and verified. I have contacted transunion onXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( online I disputed these accounts ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( certified and notarized mail ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Back to back phone calls - I have repeatedly asked them to stop calling me. I receive about 10 calls per day from Kohls Department Store. I do not owe the entire amount in question. They are rude and aggressive, and call from hundreds of different phone numbers. This type of constant harassment should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax was hacked because they failed to upgrade their software even though they were warned repeatedly to do so. As a consumer, I never gave Equifax the right to collect my information, but they were able to procure it anyway and then lost it to hackers that might use my personal information to steal my identity or for other, nefarious, purposes. 
Afterwards, I tried to freeze my credit with all three credit agencies because that is what experts were recommending online. Equifax said you could do so on their website, or you could call. I tried calling several times and spent a few hours on hold or keying through machine-routers trying to freeze my credit to no avail. Then, I caved and went to fill out their online credit freeze form. I did n't want to do that because Equifax had shown their inability to adequately secure consumer data, and I no longer trust their ability to handle web data securely. I work in XXXX, and I know that poorly maintained, old, websites, like the one Equifax operates, are likely easily exploited. However, I eventually filled out the form only for it to fail to load correctly. I had to go back and fill it in again. I still do n't know if my credit was frozen correctly with Equifax. The other credit agencies had online forms that were easier to fill out and worked properly. 

Clearly, Equifax has done damage to me. They lost my personal and financial information. They failed to protect my data. They failed to provide adequate resource. And as has been widely reported, they pointed people towards phishing websites even after they were hacked. They said they were providing free credit reporting to let you know if your data was being used, but there were reports that taking advantage of that offer would prohibit me from taking advantage of class actions against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX I requested Bank of America XXXX BOA ) to transfer XXXX ( {$4000.00} ) from my current account with BOA XXXX California to the current account I have with XXXX Bank in the XXXX. The transaction was acknowledged by BOA however the money despite a thorough search by XXXX did not, and has not, arrived in my XXXX account. 
On examination, the sort code used to transmit the money BOA was completely different from the sort code for my XXXX bank I supplied BOA. ( however the account number for my account was correct. ) IN FACT THE SORT CODE USED TO TRANSMIT THE MONEY WAS FOR A SUBSIDIARY OF SANTANDER THAT WAS DISSOLVED MANY YEARS AGO. ( COINCIDENCE? ) I have spent well over XXXX hours of XXXX phone calls to BOA, XXXX investigative team only to be told that BOA were not at fault AND THE FAULT WAS MINE FOR GIVING THE WRONG SORT CODE. I had same negative response from BOA following my request on the XX/XX/XXXX to have the case escalated. 
Interestingly XXXX XXXX XXXX XXXX of the BOA investigators assigned to the case admitted on the XXXX of XXXX in an Email to XXXX Attachment XXXX ( quote ) " that this payment ( from BOA ) was sent to sort code xxxx in error ( to a company ) which was formally XXXX ''. 
Please note that this company was dissolved many years ago and as such is no longer in existence. 
XXXX can only conclude that from this admittance of error that BOA is at fault in failing to take adequate measures to ensure safe passage of the wire transfer of funds. 
Please note this admission of error by BOA preceded their letter to me of the XXXX XXXX claiming no fault on the part of BOA any thus denying my claim for return of funds.. 
Attached to this submission are copies of the documents relevant to this case including a copy of my letter XX/XX/XXXX appealing the BOA investigative teams decision ( Attachment XXXX XXXX ) which outlines in depth my case for appeal, also a copy ( Attachment XXXX ) of the letter to me from XXXX dated XX/XX/XXXX that contained a copy of the admittance of error by XXXX XXXX Attachment XXXX also highlights my concerns that regarding the possibility of security infringement with this wire transfer.

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 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I moved to a new apartment. I noticed my social security card missing as I was packing. I reported the loss via telephone to XXXX which shared my fraud alert request with Experian and XXXX. This summer I applied for senior housing in XXXX county. That application was denied based upon a report generated by Experian. Subsequently I applied for a car loan with XXXX because of their 0 % financing offer. I could only get the car on a 4 % financing. It was then that I was told that there was fraud alert placed on my credit. However, the credit reporting agencies never contacted me to verify. I became the victim of my own fraud alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt they ( Convergent Outsourcing ) tried to collect directly to the original creditor ( XXXX ) after not getting any response back from this collection agency in a timely matter. This company never owned this debt outright but still reported on my credit reports without notifying me of the debt. The company began reporting during the same time that another collection agency was trying to collect on the same debt. According to my reports, the company opened their account in XX/XX/2016, however, another collection agency still had the debt at the time. The other agency did not stop reporting until XX/XX/2016 at which point Convergent had already started reporting that same debt. I got Convergent 's address through my credit report and I sent letters to Convergent trying to resolve the issue with them even though they never called or sent out notice of the debt. I did research on Convergent and read horror stories about how they buy old debts to try to collect on them, harassment, deceitful tactics, etc. and based off of SEVERAL consumer reviews and no prior notice from or knowledge of this company, my safest bet was to pay the original creditor directly which is what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation