milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
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: Originally I had asked them to remove the charge off wording on my credit report and they say they ca n't but what I do n't understand is why they submitted the same charge-off again on my credit report when I paid them off now they have it being charged off again on  XXXX   XXXX ,  XXXX  originally they charged it off on  XXXX   XXXX ,  XXXX . I do n't understand why they submitted it again preventing me not to be able to get a refinance of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: I previously filed a CFPB complaint ( XXXX ) concerning a charge by a vendor, XXXX XXXX, and a debit transaction made against my checking account with Wells Fargo. To my knowledge, Wells Fargo is overdue on a response and never responded to the underlying complaint. Today, I received an email from Wells Fargo stating the amount in dispute in the underlying complaint with CFPB was being withdrawn from my account, and that the bank " lost '' the dispute. Today, Wells Fargo withdrew approximately {$580.00} from my account, without having provided me proper, prior notice ( other than today 's email ) ; and without Wells Fargo having even bothered to formally respond to my prior complaint by addressing CFPB. Wells has also, again ( twice now ), by today 's actions, failed to properly and adequately advise me of the reasons for their decision in writing. They have also apparently violated CFPB 's complaint procedures relative to the underlying complaint. 

This second complaint concerns Wells Fargo 's failure to address the first complaint. They apparently have now not only failed to address my concerns, but have failed to adhere to, and comply with, CFPB 's procedures and mandates regarding my underlying complaint.

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 09-08-2017 about Debt collection (Other debt) with Halsted Financial Services, LLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: 'XXXX XXXX XXXX XXXX XXXX company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX XXXX claims they no longer have any information for me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Billing disputes

Complaint: bank of america is insisting i set up a recurring payment of {$1200.00} per week to be paid out of my credit union checking account. i have no conscious recollection of having set up a recurring payment of {$1200.00} per week. they are deducting {$1200.00} a week from my checking account.

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 12/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Received a loan you didn't apply for

Complaint: XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Money was not available when promised

Complaint: I sent a Western Union money order to my banker at XXXX XXXX XXXX Att : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Website XXXX Tel:XXXX Sent on XXXX/XXXX/16 MTCN # XXXX. 
Western Union comfimed it was pick up from the Money Shop at at XXXX XXXX XXXX XXXX XXXX At XXXX/XXXX/16!! I attched a document from the XXXX XXXX that they do not have a location at that address and does not know about any such money order!!! 
Western Union told me they would refund in 7-9 days, it 's been to longer than they said and I have heard anything from them. I have had to resend the amount this week in order to get my business completed!!! Please help me get my {$880.00} returned to me. 
Thanks For All Your Help!!! 
XXXX XXXX XXXXXXXXXXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Medical debt) with American Collections Enterprise, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: American Collection Enterprise is attempting to collect on a medical bill that was paid. I had two insurances at the time service was rendered and they were XXXX and XXXX. This bill was paid about 30 days afterward the insurance company paid the requested amount. This bill also has some added fees. This bill was never this amount.

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 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with Medical Business Bureau (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: This is a Rewards XXXX XXXX Account with Capital One. Terms call for XXXX reward point to be awarded for every {$20.00} in average monthly balance. So, if my average monthly balance was {$100000.00}, then I would receive XXXX reward points for that month. Historically, points have ALWAYS been credited at the end of a month or early the following month. 

I recently ( late XXXX 2015 XXXX made a substantial deposit that more than doubled the cash balance in this account. However I have yet to receive -- it has been 40 days as of this writing -- a point reward that reflects this larger balance. When I contacted Cap One I was told that a " systemwide computer issue '' is to blame and that I should receive my reward points within 60 days but, if this does n't happen, then I should call back, open a case and the matter will be investigated further. 

XXXX final points:1 ) In addition to reward points, there is also a cash interest component associated with this account. Cash interest continues to be credited at the end of each month, as it always has been. No " systemwide computer issue '' here. 

2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 

3 ) I have had this account for over XXXX years. At no point in the past have I ever had to wait over 40 days to have reward points credited to my account. Only recently, after the balance increased substantially, has this issue arisen. And frankly, Capital One 's explanation about a " computer issue '' is not credible, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a series of subsidized and unsubsidized students loans consolidated by Direct Loans, loans taken out from XXXX XXXX to XXXX XXXX, and a new a series of loans taken out XX/XX/XXXX. My entire package of loans was bought up by Nelnet, my student loan servicer. I had an accident in late XXXX XXXX, and when released from the hospital in XXXX XXXX, I called Nelnet to inform them of the status of my health, unemployment, and my university 's decision to let me go on an extended medical withdrawal ( i.e. I will not be taking any classes ), all due to the XXXX XXXX XXXX I suffered. The Nelnet agent was kind and understanding, and told me to call back in XXXX XXXX to remind them of my situation, and they would ensure that no adverse action would be taken due to my health and my university 's decision. In XXXX XXXX, I called Nelnet to remind them of the situation and to notate in the file that I would not be taking any classes per my previous agreements, and my continuing recovery from my brain injury. They told me that was n't a problem, and I was renewed for at least the next 6 months. In early XXXX XXXX, during a routine credit check, I saw that my credit score was improving due to actively working on paying my outstanding bills. Later in XXXX XXXX, I saw that my credit score had dropped by XXXX points because Nelnet had reported my student loans as not paid. Of course they were n't paid, that was the deal I had worked out with them due to not taking any classes, my XXXX XXXX XXXX, and the report from the university that I was on medical withdrawal. I was previously told twice that no adverse effects would come, and I did not receive any notice that any bills were due. I believe that this was a mistake that needs to be corrected immediately, or that this was a deliberate attempt to take advantage of someone with a XXXX XXXX XXXX. I intend to return to classes as soon as I 'm healed, which will be sometime in the next calendar year, but for now I am unemployed and on medical withdrawal due to the severity of my injuries, all with my university 's ( XXXX University XXXX XXXX ) permission.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Dear   XXXX   XXXX   XXXX   XXXX   : I have been an account holder since  2014    and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I ha ve two lat e payments on the above referenced account that date back to  2014 s ince that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month  of    XXXX   no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that    XXXX   XXXX   XXXX   is willing to work with  me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May  XXXX  pl ease remove all negative remarks off my credit report. In good faith.       Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone by the name ( " XXXX XXXX '' dob " XXXX XXXX '' ) has been using my social security number since XX/XX/XXXX that i am able to see. I tried opening a XXXX XXXX bank account in XXXX XXXX and had to go through a lot of hassle while they protected " XXXX XXXX '' that already had a active XXXX XXXX account. I was treated like the suspect instead of the victim. I do n't know what else XXXX XXXX has used my social security number for but I would like to get EVERYTHING closed and for him to be held accountable for YEARS and YEARS of FAULTY using my personal information. My name is XXXX XXXX XXXX dob XXXX XXXX XXXX. MY PHONE NUMBER IS ( XXXX ) XXXX please give me a call if you have any questions or information

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (FHA mortgage) with Fay Servicing, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have been with Fay Servicing since they took over servicing of my loan late last year. I scheduled a mediation as per my rights, and met with their Attorney. I did not have an attorney present. The mediation was a scam. They stated " will give you 90 days '' and under duress I signed the documents. I asked during the mediation that if I had a well paying job would I be able to submit for a review and modification, they said yes. I found a job XX/XX/XXXX and submitted all required documents. I was in constant contact with my servicing representative. I have been trying for years through XXXX to get a mod. Each time we 'd get close I was laid off. Then I started over. My representative is now trying to push a short sale - or deed in lieu, even though I have a job and submitted all documents. The foreclosure is running in parallel and I feel the stress of running out of time. Why are they not following the comprehensive loan modification program as I meet the Eligibility? I bought in 2004, paid {$420000.00} for XXXX bath XXXX car garage modest house. I put down $ XXXX. and paid off the XXXX in the amount of $ XXXX. It is now work {$250000.00} max. They are still charging 6.8375, they are still charging the old taxation rates. Why ca n't they write down my loan? I did n't walk away, I stayed when all my neighbors disappeared dumping their properties. I do n't want to get foreclosed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (ME).
Issue: Application, originator, mortgage broker

Complaint: I requested an application for a morgortage and when the application was received it had already been filled out. It had information regarded another individual such as their name, number, address both current and pervious, it contained their place of work, and social security number. I then contacted the morgortage consultant and explained it had all this information in it and he acted like it was no big deal, that I had another person social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to order an appraisal that I will pay for ( request to remove PMI ) since XXXX XXXX. Through lost paperwork, wrong " action codes '' entered in their system and overall lack of response I am still sitting here on XXXX XXXX waiting for someone to just call me to set appraisal date. I did get a call from them on XXXX XXXX promising a call within XXXX business hours. No call. So since then I have sent multiple emails and left XXXX voicemails and response from them besides the automatex email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX I went on XXXX to book a hotel on XXXX XXXX. Like on most of the websites you search for the place you want to stay and dates. After I got the confirmation Email I noticed that the hotel they booked me was in a completely different XXXX Island that I didnt search for. I called XXXX to get this resolved and they answer was simply that they cant refund anything. Causing me for that reason to book my XXXX trip with XXXX for pretty much the same amount using the same credit card so i can prove lateer on to citibank what XXXX did. So I went ahead and file a complain with Citi bank on the credit card they charge me to get this fraudulent transaction reported. After a month I received a letter from Citi saying that they reverse the transactions because XXXX simple response and said that my transaction was not refundable. This is stealing consumers money, plain and simple. I feel betrayed by Citibank which i been with them for many years. 
Date XXXX/XXXX/XXXX Ammount {$1400.00}

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 06-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After  2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager ''  today  XXXX   XXXX ,  2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: More than eight weeks ago, I called the number a consumer is supposed to call to request copies of credit reports from all XXXX credit reporting agencies. I gave them all of my sensitive information plus my current street address and telephone number. The XXXX probably has a record of my call, but I have heard nothing about the requested credit reports. I do not know what to do next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Navient is attempting to collect a debt. However, the debt was sold to a third party. I have no contract with this company. Therefore the debt is unverifiable. Not contract/contract canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is regarding the Equifax breach. I am upset because all of my personal information is now publicly indexable. While they are also a victim as well, they have information on about XXXX XXXX Americans and there is no way to opt-out of their information gathering. They should have held that information in the strictest of confidence.

Company response to consumer: Closed with explanation