milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Credit card () with Comerica (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX, CA. ( XXXX ) XXXX - DOB : XX/XX/XXXX. " Before my Deposit of {$380.00} on XX/XX/XXXX my Direct Express Debit Card Number was stolen, & How I do n't know. But before XXXX, CA.time, some one went to a TARGET STORE in XXXX, CA. & charged {$390.00}, at XXXX ''. It 's XXXX miles XXXX, & I do n't Drive & never have. I had the the card that Direct Express gave me at least 2 yr's.I called XX/XX/XXXX & told them the # on my card was stolen & a fake card was used at the Target Store in XXXX CA.. They scent me a new card & new # on the card. On XX/XX/XXXX, I called Direct Express & Reported I had a Police 'Case # XXXX from XXXX XXXX Sheriff. I called again on XX/XX/XXXX, they asked a lot of? 's & was to send me an ( XXXX ). They never did send it, & then I got very sick & was in the Hospital for XXXX days with XXXX at Doctors XXXX, CA. Comerica Bank has not given me my stolen funds that XXXX had deposited on XX/XX/XXXX in the amount of {$380.00}, I also went to Social Security office in XXXX, CA. on XX/XX/XXXX & they told me it was the Direct Express problem, they should return those " STOLEN FUNDS '' to my Debit Card for persons who do n't have a bank account, as Social Security was stopping sending paper Checks to persons on XXXX, or XXXX. This Comerica Bank & XXXX XXXX are not doing nothing to give my Stolen Funds from my Direct Express Debit Card, which the are Insured by XXXX & all US Banking Laws to protect the Seniors who are XXXX & use what Social Secutity gives us to receive XXXX or XXXX Funds Please make them, Please, Please Help me. My Husband XXXX has XXXX was to stop this type of Stolen Debit Card Numbers, 1. Have a Photo taken at Social Security Office & send to Drect Express. 2. When using the card at a retailer as a charge & using the Master Card, have that card number return to the sells person mechine a name that that Card # was given to & it must match the name on the Debit Card & there Photo on the Debit Card & match the State ID or Drivers License with Photo. 3. In put the gold digatal Item used on some newer Cards instead of the mig. strip on the back. Please help me get my " STOLEN FUNDS '' BACK in my account befor I DIE. Yours truly XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX   XXXX , I requested verification of debt and  two  late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCPA  807 [ 15 USC 1962e  ] this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/X/17, I deposited a check for {$940.00}, and a hold was placed on {$640.00} due to the fact that I had had multiple overdrafts in the last XXXX months. The held funds will be available on XX/XX/17. Unfortunately I have an automatic payment set up for my car insurance that is withdrawn on the eigth of every month, which because the funds were held, has overdrawn my account. I called the bank and spoke to a representative who stated that overdraft fees will be applied until the funds are released, and that there is nothing he or anyone at the company can do. I feel that this is unfair and dishonest. I deposited the funds into my account and there is enough to cover the overdraft, so there is no reason for me to be charged because the bank has chosen to hold my funds.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've disputed this for 8 months now and am getting nowhere. I am going to be contacting a lawyer this month if this is not removed from my credit report within 15 days and then Experian will need to come up with all of this documentation during the discovery process. There are 3 accounts reporting that are incorrect and must be removed immediately. This is my 2nd complaint against Experian and nothing was done to assist me by the Consumer Financial Protection Bureau ( I would make a complaint against you guys if I could! ) or Experian. No one is holding Experian accountable for their extreme abuse of power and something has to be done about this immediately. XXXX XXXX XXXX XXXX XXXX, XXXX These 3 accounts are the result of identity theft and I did not at any time apply for, use, obtain or authorize these accounts. I have already explained to the credit bureaus what happened and that another person with the same name was given all my information by an employer that we both worked for and he opened multiple accounts, obtained vehicles and even went to jail with my information! Section 609 protects me against false reporting by the credit bureaus and therefore, you must send me the actual paperwork that was filled out when this account was opened or they need to be removed.
Section 605B protects me against identity theft. Send me the paperwork that was filled out when these accounts were opened including my original signature and copies of the identification provided. If you do not have this paperwork ( which you do not have and can not obtain ) then you must remove these items Section 1681 protects me against inaccurate and incomplete reporting as well as false reporting by the credit bureaus which is why all investigations must take place to ensure that there are accurate and complete accounts on my credit file # 1 XXXX XXXX XXXX XXXX account # XXXX You are in violation of all sections listed above. Send me the documentation that proves that I ever occurred these charges or applied for this account. In addition, you have 2 years of late payments after the account was closed. That makes no sense and is not even possible. # 2 XXXX XXXX account # XXXX & XXXX You are in violation of all sections listed above. Send me the paperwork that was filled out including my original signature or remove this immediately. I did not apply for or open this account. Also send me the handwriting analysis that you performed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit card () with DISCOVER BANK (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. Discover Card Account XXXX, XXXX Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of Virginia and I have never lived outside of the state of Iowa in the XXXX years of my existence. When calling Discover the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over XXXX years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in XXXX months shortly after their father passed away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Trouble during payment process

Complaint: We just went through a period where we were making extra payments due to my having been out of work earlier this year without pay. Now we are trying to make our normal payment but we ca n't reach anyone at the phone number, they are no longer open after XXXX EST and when calling during normal business hours, no one answers the phone. I 've seen numerous complaints online from other customers as well about the same thing. I 'm afraid that if we ca n't figure this out, we 'll lose the house. I ca n't even make the payment online. The mortgage company is HFC, the phone number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech reported my account as " Bankruptcy '' rather than " Cash for Keys '' settlement. On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX Court in FL, CASE No. XXXX, Ditech-Green Tree agreed to pay me {$4000.00} upon vacate the property and waive the deficiency. Ditech has neglected correcting my correct account status to the XXXX consumer credit agencies despite my several calls and formal request via certified mail on XX/XX/XXXX. Ditech also has neglected to close my account and provide the XXXX form for XX/XX/XXXX taxes. On XX/XX/XXXX XX/XX/XXXX, I took Ditech to the XXXX XXXX Court to enforce the court order payment of {$4000.00}. Judge granted me the payment and filed a sanction against Ditech in my favor of {$500.00} for my expenses. I am asking for your help. Ditech needs to be more responsible and accountable providing timely and accurate information to their customer, public, and consumer credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are Harris and Harris and we are debt collectors. Please call us at this number. 

Receive these robocalls frequently. 

I do not owe any debt to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 currently have two auto leases with XXXX. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 I was informed of an equifax security breach. It was stated that " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year. '' After following the steps to find out if I was one of those affected, I set about trying to prevent the theft of my identity. Without my given consent, Equifax allowed my information to be taken and made public.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with CREDIT CONCEPTS, INC. (WA).
Issue: Problems when you are unable to pay

Complaint: The company continuously calls my family and friends starting when I am 10 days late on a payment. They have called these people on much more than XXXX occasion and they know exactly how to get ahold of me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My daughter has informed me that she has contacted this company informing them that I did not sign for this loan and knew nothing of it, which I informed them of a few years ago when I saw this XXXX debt listed XXXX times on my credit report. This company keeps holding me liable for a loan I knew nothing about. Also, they have the same loan listed on my credit reports 3 times. I was astounded to see they have had this on my credit reports since 2007. I want this deleted. This has been stressful and playing a major impact on my health. If they do not delete and hold the liable party, I have to seek an attorney, I can not keep going through this. 
Account : XXXX Key Bank XXXX Key Bank XXXX Key Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After reviewing my Experian credit report I found that a debt collection company ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate  occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.

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 08-11-2015 about Prepaid card (Other special purpose card) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released.

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 02/13/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need help

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 08/26/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in Dental office on XXXX/XXXX/2014 for dental implant before I new itI was being fitted for denture. Went I called the office I was told. 
'that my denture will be ready for pick-up in XXXX week. I call the officeon XXXX/XXXX/2014 to cancel this order. take to XXXX. Now CareCreditwants me to paid {$2000.00} dollars and placed it on my credit report. 
I informed Synchrony Bank that my order been cancelled mamy times this as hurt my credit I 'm requesting it be removed from my report. I ever received the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received collection letter from XXXX on behalf of Pinnacle on behalf of XXXX. Do not owe the debt. I sent written request for? ALL of the foillowing. 
1. copy or original agreement with XXXX2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged. 
5. copy of original contract for account sale between Pinnacle and XXXX , and XXXX and XXXX . 
6. to have removed from my credit report. XXXX wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no one responds to my letters or calls to have this resolved. I am left with this and small claims court to resolve this now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC stopped payment on a check that was mailed to My local Tax Commissioner for my property taxes. So my taxes have not been paid after XXXX phone calls still nothing so I have paid the bill myself before the they put a lien on my property. The Company will not issue my money back out of Escrow and I am out this money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX bought a debt from XXXX the original amount with XXXX was a fraction of what the collection company XXXX XXXX XXXX XXXX is harassing me for now. I had worked with XXXX to reduce the amount they had inflated and began to negotiate a better payment plan. However they double backed on me and sold the debt to XXXX XXXX who has now increased the interest and is calling me and trying to serve me a court order. My research has shown me that they are not so above board and are even in bankruptcy. 

I am willing to make a deal to pay off the original amount, but not the over {$1200.00} they are asking for now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am asking Wells Fargo to forgive my loan do to my special circumstance and I explain my Situation numerous times sadly it seams like I am talking g to a bear wall Wells Fargo keep sending me this laym document and totally ignore the fact that my husband is XXXX XXXX and XXXX is not good and if he dies I will hold Wells Fargo responsible I am not asking anything unusual my husband was laid off from his work itt which they closed and following after do to the XXXX he has lots of health issues and worrying about having or not having home is a main trigger to his health issues with this new president I am very scared please Help me not toy me around.

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 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with DISCOVER BANK (VA).
Issue: Rewards

Complaint: Over the past couple of month, I have made several purchases of various electronics and other health related items. Discover is/was offering a promotion where they stated that customers would receive a 10 % reward bonus for using their XXXX account when making the purchase with their Discover Card. I was just sent an email today informing me that I would not be receiving this 10 % reward bonus even though it was specifically stated in the terms that it would be awarded. I called their XXXX number and was told that they thought that I purchased gift cards because of the dollar amounts. I did not purchase any gift cards with this promotion. They still refused to award the points and said that I could send them receipts. This seems ridiculous considering that these purchases were from two months ago and some of them have some private information on them, including various medications that my family members are currently on.

Company response to consumer: Closed with explanation