milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Other financial service (Foreign currency exchange) with Skrill USA, Inc. (LA).
Issue: Excessive fees

Complaint: I made a transaction on XXXX XXXX, 2016 on the internet to XXXX using the checkout merchant provided by them called " Skrill '' and the merchant charged my checking account twice for the transaction. The original charge to the company XXXX XXXX was XXXX equaling out to {$600.00}. The merchant then again charged my account yesterday XXXX XXXX, 2016 for {$610.00} to them ( Skrill ). I dont have any connections with them at all outside of that one transaction to XXXX on XXXX/XXXX/16. I contacted XXXX and they verified that they only charged my account once by them and that they only received one payment. They sent me the invoices and the transaction details of everything on their end and it confirms that I was only charged once by them. On my bank statement it shows that only one charge through XXXX associated with Skrill was made. I tried contacting skrill by phone and email and couldnt get any response. The phone line was automated and when i tried emailing them and they replied with sorry we dont know you you arent registered with us and that is true I am not registered with them so that is how I know I should n't be getting charged with them and they should be taking money out of my account or have my checking account credentials. I have the documents to everything I stated showing everything within the process. The charge that Skrill made on my account to them on XXXX/XXXX/16 came out of nowhere and I didnt make that charge they charge my account for it as if I had bought from XXXX XXXX again but Skrill didnt get the amount right and it was titled wrong. The real charge was stated on my bank statement was listed as XXXX XXXX XXXX XXXX XXXX which was the {$600.00} stating both the merchant ( skrill ) and the seller ( XXXX ) and now I have the other charge which wasnt made by me of {$610.00} from SKRILL XXXX XXXX XXXX and I didnt have anything to do with skrill or have an account with them for them to have my debit card information to charge. The only time my card info was used was when I was directed to the Skrill checkout for checking out on logic templates website.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Broken lease that was placed on my credit report account with XXXX on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX Apartments Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service XXXX Buerau /XXXX Apartments {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX Apt XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX Apartment Homes per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect XXXX of all it reflects a different amount then the amount owed, XXXX it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: ATM card stolen. Bank not honoring law regarding burden of proof and reporting requirements. Action will also be filed with the Office of the Comptroller of the Currency.

Company response to consumer: Closed
Consumer complaint received 04/19/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I applied with my bank that has repeatedly lied and said no adverse information is reporting as a result of identity theft. I still maintain and have open accounts with Wells Fargo, NO ADVERSE INFORMATION THEY PURPORT XXXX TIMES TO THE CFPB HAVE BEEN REPORTED INTERNALLY OR EXTERNALLY. IF I HAD THE CHANCE I WOULD UPLOAD THE DOCUMENTS, I APPLIED FOR A WELLS PROPEL CARD ONLY TO BE NOTIFIED THAT IT WAS SOLELY REJECTED FOR MISHANDLING OF FORMER ACCOUNTS. I AM XXXX OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 have submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with SCOTT FETZER FINANCIAL GROUP INC (CO).
Issue: Taking out the loan or lease

Complaint: The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FAIR COLLECTIONS AND OUT is in violation cra inaccurate information put on my credit id theft and po report sent to all major company

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax credit reporting agency had a data breach which exposed my credit information. I have confirmed my credit information was involved in the breach, but I have not yet seen any illegal credit activity. I have frozen my credit at all three credit agencies. I am filing this report at the recommendation of XXXX XXXX XXXX ( not sure how XXXX XXXX XXXX is involved ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: Citibank has wrongfully refused to credit my account with {$120.00} in Dividend Dollars. Balances of {$8100.00} on my XX/XX/XXXX statement and {$3900.00} on my XX/XX/XXXX statement, which were both paid in full in a timely manner, were not credited with a total of {$120.00} in Dividend Dollars. By letter dated XX/XX/XXXX Citibank stated that the " Dividend Dollars earned on your statement Dated XX/XX/XXXX caused your total Dividend Dollars for XX/XX/XXXX to surpass the {$300.00} maximum. '' What {$300.00} maximum? 1. Although I always understood that only {$300.00} in Dividend Dollars could be redeemed in any year, in previous years in response to my explicit question Citibank representatives informed me that Dividend Dollars would continue to accrue to my account and could be redeemed in future years. 2. In all previous years that I have redeemed Dividend Dollars, Dividend Dollars have indeed continued to accrue to my account beyond this supposed {$300.00} limit. 3. The statement from Citibank accompanying my redemption check, dated XX/XX/XXXX, stated " remember to use your Citibank Dividend Card everywhere-the more you use it, the more cash you earn! ", but Citibank 's refusal to credit me the {$120.00} in Dividend Dollars makes this assurance completely false. Indeed, this supposed policy of not allowing Dividend Dollars to accrue after a {$300.00} redemption would be counter-intuitive even from Citibank 's perspective, as it discourages their customers from using their card! 4. At or about this same time, although I did not request it, Citibank increased the credit limit on this card to {$20000.00}, stating " with an increased revolving credit limit, you can use your card for more purchases and continue to enjoy 1 % cash back on all purchases. '' Again encouraging me to use the card and assuring me that Dividend Dollars would be credited to my account, an assurance that Citibank now refuses to honor. 5. In an effort to resolve this situation, I called Citibank on XX/XX/XXXX and discussed the facts with a Senior Customer Service Representative called XXXX. XXXX could not tell me why I had not been credited with the Dividend Dollars, but referred the matter to their rewards audit department, resulting in the letter referred to above. If this supposed {$300.00} limit were really the policy, how is it that a Senior Customer Service Representative did n't know about it, and if she did n't know about it, how should I, the customer, know about it? If there is such a policy, and I had known about it, I certainly would have used a different credit card to make purchases after redeeming the {$300.00}. For all these reasons, I again request that Citibank credit my account with {$120.00} in Dividend Dollars.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX XXXX, 2017. I received a copy of my Equifax credit report. I noticed an incorrect address as well as an incorrect Date of Birth. I had a total of XXXX inquiries that i did not authorize. I called each company and they had no knowledge of my request to open credit with them and advised me to contact the credit bureau. I called into Equifaxs customer service and spoke with a representative by the name of XXXX. Badge number XXXX. He argued with me that it was my correct date of birth prior to researching and seeing that i sent in a copy of my license for a previous dispute with them. He updated my date of birth but refused to dispute any inquiries or the incorrect address that is listed on my report. He kept informing me to contact the companies and i had advised them that i contacted each and were referred to them. I then asked for a supervisor. He basically told me that inquiries are something that they keep track of and had no way of knowing if they were fraudulently processed or not. He stated he would not dispute them at all. I asked him do what am i to do, since youve been reporting the incorrect date of birth, wont remove an incorrect address thats not linked to any account on my report or help me get these inquiries removed. I was advised again to contact each company and asked them to have them removed, yet in the same breath he told me this is something that Equifax generates on their own and had no way of communicating with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account ...  .I  even got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name

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 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The TRAF Group (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Copied and past emails to Word document as per XXXX XXXX. I was unable to upload from email. 

I am filing this complaint against XXXX andA-1 COLLECTIONS SVC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX. 

This company has place a negative report on my credit report after I tried and sent letters stating that this account does not belong to me. I will attach emails of what had taken place. I explained to them even while I was in the hospital and as they kept calling my cell phone that I was not responsible for the debt and they need a better way to help the consumer on their website. I never signed or agreed to pay for an instrument after I did a XXXX time credit card payment. I gave the billing and shipping address and other information went to the other party as agreed. I immediately explained that I made a XXXX time payment. After the payment several emails came to me and I responded that it should go to the other party giving them his email address, phone number and mailing address and the party that is responsible did so as well. He also spoke to them and he said to this day, they never sent him a bill. They contact him XXXX time and stated they will mail him a bill, that never happened. They continued to harass me in the hospital as well as while I was in recovery from surgery. My health aid would answer the phone and give them the other party name and number. I ask that they remove the negative credit collection from my report, and make their payment and contract methods better and not be so misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau I am writing to notify of an issue I am having with the Kansas XXXX XXXX Department. 
I filed a complaint XXXX XXXX XXXX with XXXX XXXX, against OCWEN Loan Servicing. I was told this process will take approximately 100 days. I was also told there would be a consolatory process to see if an agreement can be reached. I told XXXX HUD we did not want a modification agreement from OCWEN, because we originally requested a modification XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and we still have not been notified of the investigation start date. To say that this has really gotten " Long in the Tooth '' would be an understatement ... 
XXXX XXXX has been unable to give us a timeline for the investigation. XXXX XXXX has been manipulated by OCWEN to attempt to strong-arm my family into a several modification agreements. I am requesting remedy under the {$25.00} XXXX XXXX XXXX XXXX, which OCWEN is XXXX of XXXX defendants. Your oversight for this process would be a Blessing. 
In your service, XXXX XXXX XXXX, XXXX. & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PS : We have complete email documentation to support all the above

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my husband was killed in the military, leaving our daughter and I, I used his life insurance to buy a house for us. I was the victim of predatory lending, the company that did my mortgage is under federal indictment and all the people doing loans there are in jail. They forged my signature on documents and lied about me having a job and the rates and terms i agreed to changed on the final documents. in XXXX my daughter was XXXX and I had to close down XXXX that I had opened the previous year and lost all my investment. The mortgage company at the time : XXXX, illegally foreclosed on me and I got a judgement in my favor. I then applied for a modification and kept getting denied for lack of paperwork. Finally I had all the paperwork right and they sold the loan to XXXX. Went through the whole process with XXXX for literally years. Constantly having an issue with something in my loan modification packet. Finally got it all done and it went to the underwriters and a couple of weeks later they told me " it all looks good, just doing some final package information '' then they sold my loan to Nationstar. In the mean time I am not allowed to make payment and fees and late charges etc. are over {$100000.00}. My original loan amount was {$630000.00} and now my statement is saying my original loan amount is {$700000.00}. Nationstar makes me go through the whole process again, I keep having paperwork issues, they have XXXX different files on me and my paperwork was n't being sent to XXXX, so they could never find it all. I have requested my phone and e-mail to receive a copy of all the fees and charges on my loan and a copy of the original deed and they have all said, yes they will send it and I have never received anything.. as of today, I have been denied a modification again, based on income and they did n't have my income correct when I asked, they say I owe {$400000.00} on top of my {$700000.00} which was originally {$630000.00}. Without being able to afford a lawyer, I have no way to get them to give me the information I need and no way to hold the Banks and the lender accountable. This is the only home my daughter has lived in and she needs consistency, my only financial security was my investment in this house and took all of my husbands life insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation