milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (UT).
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: This is an update to a previous complaint filed with  Discover Card  regarding the fraudulent charge place on my Discover card ending in  XXXX  which has been open since  XXXX . In re-opening the case they have once again denied the fraudulent balance transfer in the amount of {$4000.00} dollars and in fact I have come to find out that my signature was in fact forged by a minor child who was  XXXX  years of age at the time. This new information has also been given to  Discover Card  who refuses to acknowledge that they in fact did take and accept a forged check  (  check #  XXXX   XXXX  on   XXXX   and put the charge onto my credit card ending in  XXXX  for which I am the only authorized user and for a card which has remained in my possession only. My first complaint was filed on   XXXX   and was investigated until   XXXX   when I was once again notified that there had been no fraud committed on my card.  Discover Card  as Im learning thinks they are above the law and not responsible for any mishandling of consumer charges or funds. An perfect example of this is when dealing with debt relief agency  Discover Card  is the only credit card company who will not negotiate unlike other credit card companies.  Discover Card  's staff uses scare tactics and intimidation to accomplish a no negotiation even when the error is their own. Im am disgusted with their policies and the manner in which they handle fraudulent claims. They simply deny and fraudulence even when it can be proven. This manner of business is corrupt and should be un-exceptable for any business and or bank.  Discover Card  has failed to use proper checks and balances to prevent fraud but has every policy and procedure in place to protect itself but not the consumer therefore Im updating and once again submitting a complaint against the Card company that thinks it can do no wrong and will not accept any responsibility in improper safeguard and protections to the consumer. Forgery is a crime and for whatever reason  Discover Card  refuses to accept this because that would mean they did something wrong so I do n't know why I even bother wasting my time and words because  Discover Card  does not make mistakes even in criminal situations. They simply deny and fraudulence and therefore are never held accountable for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank sent me an acknowledgement of a facially complete application, dated XXXX/XXXX/2016. I followed up with a phone call to my mortgage assistance point to verify that foreclosure would be halted at this time. However, I 've just received a notice of default dated XXXX/XXXX/2016 which leads me to believe they are dual tracking and a halt to the foreclosure process on my property has not occurred during my review for loan modification.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.

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 08/27/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been fighting to get a fair and equitable modification for XXXX years. My original loan was fraudulently put into an ARM. My signatures were forged. I was a victim of the subprime mess. My mortgage was sold to XXXX, Litton Loan, Ocwen Loan and at some point had connections to XXXX XXXX and XXXX. I in the past I have filed bankruptcy to protect and save my home. Only to have attorneys who did not file the proper paperwork to strip the lien of the XXXX mortgage. The mortage was discharge but Ocwen is saying I still owe it. I was approved for a modification through Litton Loan that Ocwen did not recognize. I had to pay trial payments XXXX different times, citing I did not send in all paper work. When I did. Ocwen back dated dates and threatened to take my home. I have all the documents and proof that I was a victim of consumer mortgage fraud. I have been and still am being victimized by Ocwen. All I want is my principle reduced to market value, recognition that I do n't owe a XXXX mortgage and credit for all payments I have made including all trial payment that was never credited. I want the government to look into my case. I started this process before the CFPB was instituted I sent documents to the Federal Trade Comission.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: My Commercial Checking Account at XXXX Remain unaccounted for To this date! The banks that took over First Union insists the Commercial Account was turned over to the Pa. Treasurer. The Pa Treasurer 's Office insists it had not been forwarded there. Wells Fargo, Wachovia and First Union Banks have all acted in concert with one another to conceal misfeasance and malfeasance stemming from an internal investigation which resulted in their own employees being named perpetrators in the 'bank fraud bust ' on XXXX XXXX 2000. My efforts to secure access to the account via Special power of Attorney since I was physically unable to appear in person, was to no avail. My account was restrained pending the outcome of the above investigation and should have been released accordingly. With Formal apologies for the grave inconveniences which were caused as a direct result of the aforementioned. Now that I have become physically able to handle my own matter, these corporate bullies insist on passing the buck and giving me the runaround as it were! Hence, I request attention to this matter through this formal complaint. Commercial Checking Account # XXXX XXXX XXXX XXXX XXXX , XXXX, Reference XXXX Commercial

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit card protection / Debt protection

Complaint: My Macy 's XXXX card was comprised at the end of XXXX with {$300.00} worth of fraudulent charges. I immediately reported the issue and was told it would be resolved within XXXX billing cycles. I was also assured that I would not be responsible for additional fees on the account that may add up until the charges were removed. While the {$300.00} charges were removed, the extra fees were not and continue to increase. Each month upon receiving a statement in the mail, I call and am told it would be {$0.00} within XXXX to XXXX billing cycles. No one has been able to assist me and make this go away. I am desperate for help because it is now XXXX ( 5 months later ) and the charges are still increasing. I have not used my Macy 's card and in fact have no interest in shopping with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (DC).
Issue: Fraud or scam

Complaint: On XXXX XXXX I used Western Union 's online services XXXX. On the web page this company offers a high level of security for all transactions, XXXX of them is that the receiver will got the XXXX XXXX Track number XXXX to receive the money. The problem was that I never give to him the XXXX number, but he just knowing my first and last-name, and knowing my phone number could call to Western U. to change, first the receiver name ( for this change I never received a change confirmation to my mail account, in addition he needed the amount and the date of the transfer so, how this was a trade transaction he already knows these details. So was very easy for him change the receiver name XXXX unbeknownst to me XXXX and then, I do n't know how he could ask for the XXXX to pick up the money the next day XXXX XXXX XXXX XXXX. the XXXX XXXX night I called to the phone number provide by the company XXXX call us toll free XXXX at XXXX ) to cancel the transfer but in that hotline they told me that I should call between certain hours ( so it 's not a XXXX line and also the one who told me that was a record not an agent ) then I tried by chat but also I could n't do it cause the agent told me that he could n't do it for this channel so he suggested me to call to the number above provide. 
Other of the Western Unions ; security rules is that you can not make any change if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different programs through you can make phonecalls without use the cellphone ( physically XXXX but if the phone number. 
Finally this guy stole my money unbeknownst to me because all these security fails of WU. I would like my money back WU does n't comply with all the things that they offer in their services.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Payday loan) with Mobiloans, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have submitted  XXXX  complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from (  XXXX  )  XXXX ,  (   XXXX   )   XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!

Company response to consumer: Untimely response
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I Called Equifax on  XXXX   XXXX     2017 after  sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say Equifax as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company Equifax, I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to EQUIFAX and  XXXX  on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 )  ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report. Equifax and  XXXX  will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Ocwen Loan Servicing ( since they bought our mortgage ) has gone up from XXXX ( what it was when they purchased it to over XXXX now. We have filed MANY times for modification and it was DENIED each time. They are crooks. They manipulate numbers and they Purposely denied payments at one time when we fell behind hoping that we would default. We had to file bankruptcy ONLY because of OCWEN. I want our loan modified and the payment lowered. I know what our taxes are, I know what our insurance is and None of this constitutes the amounts they have increased our payment. When I submit a complaint, they do n't do ANYTHING BUT SEND PAPERS. MAKE THEM BE FAIR! I WANT A MODIFICATION TO OUR LOAN. UNDER NO CIRCUMSTANCES SHOULD THEY HAVE RAISED IT OVER 700.00 IN THE 8 YEARS OF THEM OWNING OUR LOAN. INSIST, that they do right by people or bar them from stealing from American Home owners!! Please take steps. I will file as often as I need to

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with William D. Meeker Enterprises, Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I reported a debt that I have absolutely no idea why it is on my credit report to all XXXX agencies. This debt is not accurate and I do n't know how it got here. It says I owe {$150.00} to XXXX XXXX. It says account was opened in XX/XX/XXXX and they JUST added it to my credit reports in XX/XX/XXXX. This makes no sense! I have an up to date and active cellular account with XXXX XXXX, so how in the world do I all the sudden owe money from 5 years ago?! I never once received a bill or a phone call from these people and since I have an ongoing active account with them, why would they never have mentioned this so called " debt '' to me. This is robbery. It is affecting my scores and I need it removed. I filed disputes with all XXXX agencies and I received an update through Experian so far. Experian, after XXXX hours, sends me an email and when I click on the link it says " updated ''. This should be deleted, not updated!!! I do n't even know what it 's for! I 'm upset and outraged that they are allowing this to happen. For the past few years I have never made a late payment or allowed an account to go delinquent so this is ridiculous. There 's not even a telephone number to contact this " XXXX '' account, so who 's going to help me? Experian did not help me and I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (DC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with Bayside Capital Services, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: OnXX/XX/XXXX XXXX XXXX XXXX from Bayside capital collection agency contacted me as well as a family member to collect a debt she threatened me by telling me I would be receiving legal document on XX/XX/XXXX and I still have't received them as of XX/XX/XXXX.
I then contacted on XX/XX/XXXX to XXXX XXXX XXXX and informed her about my situation I 've been unemployed since XX/XX/XXXX so I would need to do in hardship to pay the balance of the payday loan with checkngo.
I called back on XX/XX/XXXX to resolve this problem and to do the hardship of {$50.00} a month for 90 days. I was requesting this information and this agreement in writing documenting the agreement that XXXX XXXX had my loan with XXXX XXXX XXXX.
I would be paying the {$50.00} for 90 days and I also wanted to agree that the amount was going to be {$2200.00} not {$2800.00}. By me paying {$50.00} there would not be any penalties or interest and I wanted all this to be document down in the agreement I also wanted to mail in my payment I was trying to resolve this matter with Bayside Capital collection agency and they did n't want to work with me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I Received notice that I got a collection from RPM for a XXXX XXXX account I had that I paid in full when I closed. I had a balance of {$290.00} for my last month of usage and for unreturned equipment. When I received the bill I paid in full and got a confirmation number # XXXX for the amount {$290.00}. then last week I saw a collection for the same amount from RPM. I immediately called RPM and informed them that I had already taken care of the balance, looked through my bank statement and they said that if I provided the confirmation number of when I paid it they would remove the collection. I called and spoke to XXXX and he declined said that XXXX XXXX had to remove the collection, I called XXXX XXXX and made sure that I had no balance with them verified the confirmation number and RPM still declined in removing the collection. I explained to them that this was an account that should of never been in collections and they said they are unable to do anything. I have no negative information on my credit report and this is the first negative account that appeared due to an error. 
Account # XXXX, payment Confirmation # XXXX {$290.00}

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