milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Problems caused by my funds being low

Complaint: My bank account was tied to my XXXX. My XXXX was hacked. We watched it as it happened, quickly contacted both XXXX and USAA. XXXX was able to place a stop and lock the account. USAA swore there was a stop payment in place. Two days later, {$610.00} clears our account from the fraudulent activity on XXXX. XXXX different USAA reps gave conflicting information. I was told we could have the money back in 3-5 business days. My husband was told several weeks. I was also guaranteed no checks were pending. Turns out my rent check was, I transferred funds to cover it after the fraud but USAA had already returned it, causing me more trouble. There was never a stop payment put on my account. Ever. This is ridiculous. And now I have to wait weeks to get that money back because they lied. Now I 've got to pay over {$100.00} extra to my landlord and look bad because USAA failed me. I was ASSURED that a stop payment was in place and not a dime would come out. Now I 'm left stranded and sinking because they lied, and are dragging their feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently submitted a complaint against Ocwen ( my second complaint against them ) through the CFPB due to an Escrow/payment increase/notice issue. I realized today that after I submitted the complaint to the CFPB, Ocwen chose to reverse my previous XXXX loan payments. I called Ocwen to find out why these payments were reversed and they could n't tell me why. They did assure me that the payments were reapplied to the account. However according to the customer online payment history through the Ocwen website, it does not show the payments were ever reapplied. An escrow review should not require a multi-payment reversal. I feel as though Ocwen is retaliating against me for making complaints against them to the CFPB. 
I have never missed a payment and do not know why Ocwen continues to make things difficult for me to ensure my account is serviced correctly. I am XXXX and I am even having a difficult time figuring out what is occurring and why action is being taken on my account. In my professional experience, inaccuracies and misapplication of funds tend to increase with multiple reversals and reapplication of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have multiple debts that I ca n't pay. On XXXX below poverty level. 
get 10-15 calls a day from many # 's Some have claimed to be from IRS ( checked # 's ) reported as scams from reverse look up. Now I do n't answer phone, in past I 've tried to explain my financial situation to no avail ... they keep calling, I ca n't pay. I 'm ill w/ multiple health issues. Takes every cent that I have to survive. If I could I 'd pay. Some debts are very old? Is there anything I can do to stop these calls? Please help. Have tried to block # 's, they just use different phones

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive proof of the dispute investigation from Experian ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to 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 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have an account with  XXXX   XXXX   XXXX  Credit Card. When I enrolled last year, the {$990.00} annual fee was waived. On   XXXX   XXXX   XXXX   I was charged a {$990.00} annual fee. I was not given notification that fees would be implemented, and I was under the impression that the fee would be waived as long as I was on  XXXX   XXXX  status.     I called the credit card company today, and they said they no longer waive the annual fee. I feel I should have been notified beforehand so I can financially prep. Being  XXXX   XXXX  military, a {$990.00} annual fee is not affordable.

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 04/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies XXXX Credit reporting agency XXXX. XXXX XXXX XXXX, GA XXXX Experian credit reporting agency XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX In XXXX of XXXX ( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my Experian and XXXX Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :

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 10-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (MI).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Two purchases were made on my prepaid card without my knowledge or authorization ( in fact, I had never even used the card ) : Case # Merchant Date Amount XXXX XXXX # XXXX XXXX/XXXX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$6.00} After discovering two purchases were made on my prepaid card that I had never used, I contacted the card company by phone. They asked me to fax them information about the transactions, which I did, and in response asked for additional information, which I again faxed to them. 
Finally, they mailed me saying that " your notice of dispute was received beyond the time frame allowed. XXXX and XXXX require notification within 120 days of the date the charge posted to the account. '' Unfortunately, my initial phone call was 122 days after the date. However, the stipulation of contact within 120 days is never listed on Terms & Conditions of the card ( which may be found at XXXX XXXX  XXXX ). 

I think that a fair resolution would be for the XXXX XXXX XXXX XXXX to reimburse me for the funds that were stolen, especially in light of the facts that : 1 ) I never used the card or left the card in anyone else 's possession, so the theft was not due to my negligence but rather a weakness in the security of their system 2 ) The card agreement never mentions the 120-day period that they now claim applies.

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 09/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: i have a mortgage loan with ditech, they owe me {$160.00} for an escrow account overage. it was to be mailed to me by XX/XX/2016. i have received no refund check. the " customer service '' rep was unable to provide any answers. Also during this call i found out that ditech has been stealing the extra money i have been paying towards my principal balance since at least XX/XX/XXXX, under the shroud of " administrative fees ''. again the customer service rep was unable to provide any reason for this. i have never been late or missed a payment ever! i am assuming this is a result of my complaint from XX/XX/XXXX when i had the nerve to complain and ask that my payments to ditech be applied to my account as i 've paid them ( i.e time, account, and amount ). i can prove i have never been late or missed a payment, ditech can not do the same, as per your " customer service '' rep. I demand every penny plus interest to be refunded to my account and this lie of administrative fees, or backed owed money to be removed from my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with The CBE Group, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX, a " representative '' of the CBE group wanted to collect {$2000.00} dollars on behalf of XXXX XXXX XXXX I 've never used XXXX XXXX XXXX. She also mentioned I had been in collection for 5 days. The phone number she called from was XXXX. She also knew my home address and last 4 of my social security.

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 07/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.

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 04/18/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To Who m It May Concern, Re :  loan number  XXXX  wit h Wells Fargo, I have sent a certified letter to Wells Fargo  on  XXXX   XXXX  and they have received it a   XXXX   after. In my letter I advised them that I have, at least   XXXX   times, calle d (   XXXX  ) and e-mailed to the commercial servicing as advised in the notices about the insurance matter since  XXXX . One time on  X/X/XXXX  I spoke to a man which I forgot to ask for his name who said everything looked fine, the other time I spoke to a lady name  XXXX . And my insurance agent  XXXX  called and spoke to a man name  XXXX  because I kept  receiving notices stating I owed mone y to Wells Fargo du e to the fact I do n't have insurance ther efore Wells Fargo force d to purchase one for me. This issue seemed to be a problem every year when I renew my insurance for this loan number on property located at  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Ca.  XXXX . I have renewed insurance on this property in  XXXX   XXXX  under policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX  and policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX . These policies will be expired in  XXXX   XXXX . My insurance agency is :  XXXX   XXXX   XXXX   XXXX   XXXX , phone number  XXXX  has provide d Wells Fargo wit h both policies on  X/XX/XXXX . Regardless, I kept receiving letters showing current insurance due of { XXXX } is due  XXXX   XXXX . My question is, why would they have to buy insurance for me while I already bought mine and my insurance, just like in the last  XXXX  years, provided to them? why did n't they get back with me or my insurance agent as they said after many of my phone calls, my insurance agent phone calls and emails? and kept sending notices stating they will have to buy insurance for me? when I sent them the last letter I also attached with it copies of my policies, and asked them to get back with me. They never did. Instead send me a new bill for the insurance. I 'm very frustrated w ith Wells Fargo. This lend er is really a worse lender and unethical conduct, unscrupulous and no professionalism.   Please give me your hand, please help me.   Thank you very much.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca.  XXXX   XXXX  XXXX  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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Have never been offered any low repayment plans or anything like that or an income-based driven payment plan I 'm always in forbearance and delinquent I can not pay my loans back due to financial reasons

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on SundayXX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on.

the company is as follows : XXXX XXXX, DE XXXX  ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company.

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible

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 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Niagara Credit Solutions, Inc (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion 's recent breach of contract should entitle us to freeze our credit for free. I can not believe they are trying to sell us their products and services when they clearly are legally and morally at fault for this. Credit freezes in this event should be free of charge.

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