milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX   2017 , I  C Systems be gan reporting a  XXXX  debt of {$370.00} to my credit. As seeing it on my report was the first I 'd ever heard of the debt, I attempted to dispute it. But to no avail. I have not received a response from I C Systems, or documentation that the collection is, in fact, mine.   XXXX  Having never received a collection notice, I was not given the chance to dispute the debt before it was reported to my credit. And from what I see on the reports, they did n't even wait the 30 day period before reporting it, since they got it in  XXXX  and were reporting it by  XXXX . Which makes me believe a letter was never sent, they just reported without even trying. Is that even allowed? Are n't consumers supposed to have a chance to dispute or pay a debt before it ruins their credit?

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 12/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank took an authorized payment for an auto loan that I have with them. I paid {$190.00} because that 's what I could pay, but Wells Fargo Auto loan department took {$380.00} off my account without my permission. I want my money back please. The money was to be used to pay for Daycare so that I can go to work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: While applying for credit I came to learn that I had a judgement against me from XXXX XXXX. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/ XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or  documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE 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 07-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I entered into a loan modification with ocwen and was on time every month and was never late. Even before that was only 30 days behind. Was told 3 months and it turned into XXXX. Finally they sent me the modification loan after I did complaints. But the principle was {$13000.00} more than it should of been. It went back and forth and the consumer office told me to just sign then they would fix. I ended up just selling yeh house to get away from them and paid my loan in full. Now they have reported to my credit agency I was late for over a year. While I never missed the payment. They sent me my sector balance which shows {$3800.00} in it remaining after close but they 're saying that 's wrong now and I 'm owed nothing. I tried to correct credit report but they still are refusing to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have received repeated threats of arrest, and/or seizure from the law firm of Linebarger Goggan Blair & Sampson. The debt, and legal proceeding in question, has been adjudicated over a year ago. The legal proceeding was a civil matter, yet this debt collector had repeatedly threatened and harassed me with vague collection notices, the most recent of which contained a threat that a warrant was issued for my arrest and that I would need to pay the agency in order to rescind the warrant and avoid being arrested by the police at any time. Law enforcement shows no such warrant exists ; furthermore, at the advice of counsel, this matter is not one in which would/could result in arrest regardless ( civil matter ). A quick search online shows this organization is a repeat offender and has used shady tactics to collect debts in the past. Requests to cease communication have been met with hostility and have gone unheeded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank " Citigold '' account which offered a sign up bonus if I completed certain transactions. I did that, and they sent me a message ( attached ) saying " Upon reviewing your account, I am happy to confirm that as of XXXX/XXXX/16 you have completed all requirements for this promotion. You can expect your XXXX miles XX/XX/2016-statement cycle. '' Despite this, they now claim that I 'm not eligible. Clearly they stated that I was able to receive the bonus. It is totally unacceptable to now change this.

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 07/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: Upon trying to sell my house, it was found out that my payoff amount was higher than thought ... .Nationstar mortgage ( loan # XXXX ) shows an interset bearing principle balance of XXXX XXXX and a non interest bearing principle of {$79000.00} ( attached ) ... .Nationstar cant tell me what this {$79000.00} is and doesnt have any documents to provide..They told me to call XXXX XXXX ( loan # XXXX ) whom they purchased the loan from in XX/XX/XXXX ... XXXX cant seem to find out where this amount comes from ... when asked to provide proof of this with documents, they have not done so ... They sent what looks like an amortization schedule.. ( attached ) ..PHH took over the loan from XXXX XXXX ( loan # XXXX ) in XX/XX/XXXX ... I had a loan modification with XXXX ( attached ) and a loan modification with XXXX in XX/XX/XXXX, which I have no documents and XXXX hasnt sent ... .The problem is my total payoff with Nationstar is {$250000.00} and my loan originated at {$250000.00} in XX/XX/XXXX when I bought the house 10 years ago, and XXXX cant come up with proof or documents and neither can Nationstar, about this extra $ XXXX..Please note, when talking with XXXX, XXXX with litigation department, cut in and said XXXX doesnt service the loan anymore and can not give me documents

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was called at all hours of day & night Some calls at XXXX. Some at XXXX XXXX all west cost time. With them telling me I will go to jail with the warrant. They call friends & family telling them the same thing. Harassing friends and family. Contacting credit reporting agencies several times a week. Report to my credit report five times a week in some cases. Lowering my credit score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX credit card for 5 years. Always pay balance in full. Signed up for online billing never received bills. Got phone call stating that I was over 30 days late. Paid immediately, they reported me to credit bureaus for being 30 days late. They said I was late and charged me {$25.00}. Since I always paid my bill in full I did n't know I had a late charge of {$25.00}. Because I did n't pay that late charge they put it into the credit bureau as an over 30 day late. Contacted XXXX, they moved all the late charge and other late fees that incurred because the XXXX late charge did n't get paid but they did not remove the 30 days late on my credit report. My perfect credit is being tainted by a late payment of a late charge that incurred because I never got a bill. XXXX ended up removing all the charges because I never got the bill and my perfect credit history with them was evidence that something was wrong. To stop the instantly I have set up automatic payment of my XXXX charge so this never happens again. 
I am requesting that the 30 day late be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist. 
First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy. 
There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items. 
Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: About three months ago I visited the website annualcreditreport.com to try and obtain my free credit report from experian. By law the credit bureau is supposed to give XXXX free credit report a year but after repeated attempts to try and receive a free credit report the experian bureau failed to do so for me. I was able to successfully obtain my XXXX yearly free report from XXXX and XXXX without any problems. I do n't understand why experian is violating the law. I only have a problem with the experian credit bureau obtaining my free credit report and to contact them it 's impossible on their website or when you call their is no operators you can speak to. I only want my free credit report that I legally have a right to receive. Again I had no problems obtaining my once a year free credit reports from XXXX and XXXX but I do n't know what is experians problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : XXXX not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

CAPITAL ONE XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and Transunion is refusing to delete the items and block them from reporting. I mailed A CERTIFIED LETTER ( received XX/XX/XXXX ), police report, and identity theft report to you and the items are still appearing on my credit report. According to the FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of -- ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section -- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block. 

I have sent creditors and XXXX the id theft report and police report as well so why is Transunion verifying with them Is beyond me. They are not abiding by the laws to block these items that I am in no way related to

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 08-02-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Shopping for a loan or lease

Complaint: XXXX 2010 I co sign for my son s car payments have been made till toda y XXXX more payments are due to paid off the loan today I received a notice that my credit score has drop by XXXX? points the loan is up today allied fin I think is out of control or the people they employee. Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other

Complaint: American Express ( AMEX ) violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the AMEX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

AMEX assigned the disputed {$35000.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to XXXX XXXX XXXX demanding a VALIDATION OF DEBT. I never received any validation of debt from AMEX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX sued me using the debt collector firm. XXXX XXXX XXXX XXXX, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX AMEX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is XXXX which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

AMEX and XXXX violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. All our letters were mailed Certified Mail. I do not owe AMEX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Payday loan) with Insight Capital LLC (NV) (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a XXXX XXXX stating that I took out a payday loan in 2011 in the amount of {$840.00}. They wanted to know if I wanted to settle today for a lesser amount. I asked who the payday lender was and they said it was " Insight Capitol ''. I have NEVER applied for a payday loan with this company. I told them this and they said if I wanted to dispute the case, I could but I would be " buried '' in legal fees. I told them that I am definitely disputing it, and then she hung up on me.

Company response to consumer: Untimely response