milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Describe what happened so we can understand the issue ... 

I order my early warnings consumer report after being denied a checking account with wellsfargo. 
i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. 
it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. 

this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Billing disputes

Complaint: I purchased a car from a private party for personal us on XXXX using my CAPITAL ONE credit card via XXXX. The car was delivered without a title and numerous undisclosed issues the worst being a rusted out frame. I contacted the seller and he refused to allow me to return the item or correct any of the issues the car had. I filed a dispute through my card company. XXXX and the seller responded. My card company ( capital one ) gave me a list of things I needed to provide in response to keep the dispute open. I completed more than they asked for except for one item which was simply impossible for me to provide, that being " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem could be corrected and at what cost ''. This was a private party sale, there is no comparable merchant that I can provide a written statement from on company letterhead. I contacted Capital One and the rep told me that is just standard wording, explain in your response why it can not be provided and that should be fine. I did that in my letter, since it 's impossible to provide. Furthermore, the seller did not deny the issues the car had, I provided photos of the rusted out frame and seller simply said 'it 's still worth what you paid for it '. I then get a letter from Capital One stating my submission lacks 'all the previously requested information ' meaning the 'second opinion ' letter on company letterhead which was not possible sincere is no comparable merchant on a private party sale and the seller did not deny the condition of the car. My contention is the request was impossible to provide leaving me sitting with a car, no title, and rusted out frame ... ... ... and out {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Other fee

Complaint: Bank of America Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Bank of America Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the BOA Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : BOA Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Bank of America Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Bank of America from sending out letters that I am volunteering for services " if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Bank of America Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: We were issued XXXX refund checks XX/XX/XXXX for interest over charges on credit cards issued by Chase Bank USA. The refund check was due to the SCRA program. We received a XXXX XX/XX/XXXX for the refund payments. We are now being forced to pay income taxes on money that was not income but money we had paid to Chase Bank USA for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. I bank with Wells Fargo. The branch in XXXX XXXX, Pa. 
I have had a mortgage with them for 7 years and never was late. I went into the bank on XX/XX/2015. I spoke with a banker about waiving ( deferring ) a payment. The banker told me it would not be a problem. Come to find out, they wanted me to pay 2 mortgage payments in XX/XX/XXXX. I went back into the bank and spoke to the manager. She told me to contact Home Preservation Team at Wells Fargo. The only thing that happened there was, just getting someone 's answere machine for a week. I go back into the bank and spoke with the manager again and told her what happened. She contacted the resolution team. She told me someone would contact me. NOTHING. Needless to say, I am very angry. They are making me a month behind in my mortgage and going to destroy my credit when they are at fault. I was totally mislead. They need to train their bankers how to give the right information to there customers. Because of the lack training, I got XXXX and I am a month behind on my mortgage and bad credit. The reason I asked for a payment to get deferred was because I had XXXX XXXX. I could n't collect unemployment. I asked for help one time in 7 years having a perfect payment history. Thank You Wells Fargo FOR DESTROYING MY CREDIT. 
Thank You, Stay clear from Wells Fargo

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: The problem is the Equifax has once again put items back on my report that has been disputed with documentation and police report sent for ID theft and fraud report sent as well that were removed but put back on by Equifax without notice by a letter from any Equifax representative, nor a call or text which is illegal to do. I've already disputed all of the items provided the required documents to have them removed but the items below are back on. I need your help in having equifax correct my file to ensure the information is reflected as 100 percent accurat. I thank you in advance. 

*Remove Address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX *Add personal statement to Call XXXX for credit apps *Remove Following Inquiries : XXXX XXXX. Date : XX/XX/XXXX. XXXX XXXX : Date : XX/XX/XXXX *Remove Collections : XXXX XXXX {$700.00} -Medical. Date Opened XX/XX/XXXX. It was disputed and removed but they put back on without notice. 
*XXXX XXXX  : {$68.00} Date Opened XXXX Not Mine- XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Date Opened : XX/XX/XXXX. It was disputed and removed but they put back *Remove Following Accounts. XXXX XXXX XXXX XXXX XXXX same Account Number XXXX : one is for {$29000.00} and other is for {$60000.00}. It was disputed and removed but they put back. I dont have loans directly with the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I tried to modify payments with Ocwen Loan servicing LLC and got the run around and basically lost my mothers home that passed away. They promised me money to move after taking my deceased mother 's home that me and my brother tried to keep. I feel that Ocwen Loan servicing LLC ripped me off and stole my mothers home that she wanted us to try and keep.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received notice of a lawsuit from Cooling and Winter on XXXX XXXX, 2017 for an XXXX card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with XXXX XXXX XXXX, a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, XXXX XXXX and they could not send the settlement letter. I contacted XXXX XXXX and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.

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 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company. 

On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month. 

Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX-2016 Not my account Fraud account identity theft

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 06-08-2017 about Debt collection (Mortgage debt) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I got in touch with the better business bureau and was told that procollect the debt collection agency is not accredited also I was procollect sent me a copy of my lease I never signed a lease with them I have no idea if they are a real company I 've asked them numerous of times to please quit harrsing me  XXXX  was very rude and told me to pay them what I owe them so that they wo n't call anymore she has a very nasty attitude hangs up in your face their saying that I left the apartment complex nasty which I have pictures I 've tried to send them and they refuse to look at them I asked them to remove this off my report that I do n't owe them anything and they refuse to the apartment complex which is the   XXXX   XXXX   in  XXXX  tx I was living in and was paying rent to housing the landlord  XXXX   XXXX  was n't reporting my full payment I do n't have my receipts to show any proof anymore so she messed me and other tenantsat the   XXXX   XXXX   XXXX   over

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Advertising and marketing

Complaint: I recently received an offer in the mail for XXXX XXXX credit card. A major feature of this card is to " Earn XXXX miles per {$1.00} spent on every purchase ''. Unfortunately, this is a false and deceptive statement. The brochure explains that I use the credit card to book a flight on my own, then go to their rewards center to redeem my miles, which will apply a credit for that flight. It turns out that a " mile credit '' does NOT result in a credit towards a flight mile. Instead, it is just a XXXX penny credit towards my flight purchase. These are very different things! For example, suppose I make {$100.00} in credit card charges and earn XXXX miles. If I then use my card to book a XXXX mile flight, say for {$50.00}, they will NOT credit my account for {$50.00} as directly implied in their brochure. Instead, they will only credit me for XXXX CENTS! 
Here is their description of the program. 
" Redeem for past travel purchases using Purchase Eraser. Simply book your travel through your favorite travel website, travel agent, or other travel resource using your No Hassle Rewards card. Then, go online at capitalone.com or call our Rewards Center to use our Purchase Eraser feature to redeem your miles and receive an account credit for the cost of your travel purchase. " The problem is that " redeem your miles '' should really say " redeem you pennies ''. The credit earned is NOT miles. The " miles '' redeemed will NOT cover the cost of a flight of that same number of miles.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Other type of mortgage) with Hopkins Financial Services, Inc. (ID).
Issue: Trouble during payment process

Complaint: i had a comnercial mortgage on my business i never missed a payment. the leander named hopkins financial has tried to say i missed 3 payments. there accounting practices are messed up i have proof of that. i never got a lettet saying that i had 30 to  bring it current. i gave them bank statements cancelled checks their receipt saying they recueved the payment and their atterony did n't care. they foreclosed on me i lost my property but they have done a wrongful forecloser and i am going to file a law suite against them like they have never seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Schrier, Tolin and Wagman, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   ( Attorney 's Firm  : Schrier, Tolin & Wagman l ocated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However,  XXXX  has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX   County  and the case still opens. In addition,  XXXX  has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis. 

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - XXXX XXXX XXXX 2 ) Account opened - XX/XX/XXXX XXXX ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at XXXX XXXX XXXX for my brother. I put a XXXX XXXX TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX  in hopes that he would get clean. He has been in and out of XXXX and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the XXXX XXXX  back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
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 attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company response to consumer: Closed with explanation