milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 07/13/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Billing statement

Complaint: USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (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: On XX/XX/XXXX Westlake financial received a payment and then showed up to repossess our vehicle after the payment was made. I was told that they would be taking care of the repossession and fees. Later, they put a rendered repo on my credit. I called the company for a year and finally talked to their head of legal. He informed me it would be taken care of. I then received an email stating that they would be removing the repo from mine and my husbands credit and it would be complete by XX/XX/XXXX. It still remains. I have sent multiple letters, called the company MANY times, sent letters to the credit bureaus and called the credit bureaus and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: When my home loan from XXXX was sold to or contracted for servicing by Ocwen, an escrow was assigned without my consent. The payment amount tripled. I was charged additional interest and fees for nonpayment of those amounts. In short, Ocwen refused to retake control of my note under the original terms. The escrow amount is bogus, XXXX dollars per more than I was paying for taxes and insurance. I have been unable to reach anyone at Ocwen who can explain the amount OR refer to language in the original note that required or permitted them to take such an action. Neither would they allow me to pay just the regular principle and interest amount without applying 2/3 of the payment amount to the escrow, so I could pursue a remedy. 

Needless to say, the much higher monthly payment cause delinquencies that accumulated, but not above the disputed amount. Now they are proceeding with a foreclosure auction this month ( XX/XX/XXXX ). To make matters worse, they sent notice to my renter. ( The property is an owner occupied duplex. ) I have never been able to speak with the same person twice at Ocwen. 

Can I stop this and make them work with me to relinquish the escrow on the loan? 

A person can work with local government on the taxes, if necessary, as they have to answer to the public!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (MS).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: WellsFargo admits to changing my account without my consent form savings to checking with no overdraft protection. WellsFargo admits they were aware that I already had a checking account with overdraft protection.
WellsFargo also admits they received a refund from a merchant after automatically withdrawing funds from the unauthorized account sending the account into overdraft for more than {$1000.00}. 


WellsFargo admits I told several bank representatives about the strange account activity. WellsFargo admits a bank manager and assistant manager have written emails with additional questions where I swiftly responded. 

Now WellsFargo claims to not use email to communicate with customers. WellsFargo also can not explain how activity occurred on a closed account. 

WellsFargo claims I deposited a check into this closed account with no overdraft protection. I never saw this check nor authorized the deposit. 

When they respond to this I will post it. It shall read as all others. WellsFargo admits no wrongdoings. WellsFargo has no explanation of the experience and will not investigate. WellsFargo has finished responded because WellsFargo is not governed by the CFPB and is not required to respond further. 

Over {$14000.00} was drained from the unauthorized account. After my second complaint to CFPB WellsFargo sent an email admitting massive fraud but still refused to explain the obvious theft from my account. 

I have several emails from XXXX XXXX and XXXX XXXX of WellsFargo from my initial 2 complaints. Since then WellsFargo claims to have implemented a company wide policy eliminating email communication.

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 09-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit determination

Complaint: Capital one Credit Cards not in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting accounts on my credit file as " unknown '' after I 've notified them a few times that they need to identify these accounts. Not only that, but they keep passing the accounts to other collection agencies. I get XXXX account removed because it ca n't be verified and then they sell the account to another company who then reports it as well. This is an uphill battle that I 'm losing. They have refused to provide the required company name, address and phone number for these " unknown medical '' accounts, so if they do n't even know who these companies are, how are they verifying them with the creditors???? 
UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: Called Bank of America on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Bank of America deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Bank of America by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him.

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 06/21/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (VA).
Issue: Shopping for a loan or lease

Complaint: I purchased a used Jeep 2015 Cherokee Latitude from XXXX XXXX of XXXX on XXXX XXXX. The advertised price for the vehicle on the internet was {$23000.00}. A subsequent reduced price advertisement on the internet showed the reduced price to be {$22000.00}. XXXX charged me {$32000.00} for the vehicle. This is a price difference of {$8200.00} using the larger advertised price and {$9700.00} for the reduced price. I 'm disputing the price difference between the amount being financed ( {$28000.00} ) with TD Finance versus the price I calculated using the larger advertised price and XXXX XXXX XXXX values for the vehicles I traded-in ( {$21000.00} ) as the bottom line amount for financing. The total amount of overcharge I dispute is {$7100.00} XXXX {$28000.00} - {$21000.00} XXXX. An uploaded table provide a summary of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Student loan (Federal student loan servicing) with MOHELA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX XXXX and have worked since graduation from college serving XXXX XXXX communities. I recently submitted my employment for certification for the Public Service Loan Program. My employment was certified. However, when my loans were transferred to Fed Loan Servicing, they informed me that the payment plan I had been on previously made me ineligible for the PSLF. 

I have registered a complaint with my previous loan service, Mohela. My loans were transferred three times in four years, from XXXX XXXX XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX ) to Mohela in XX/XX/XXXX. Each time my loans were transferred, I spoke to customer service to confirm I was in the right payment plan for PSLF. Each lender assured me I was. When I spoke most recently with Mohela customer service on XX/XX/XXXX after being told I was ineligible because of a previous payment plan, they informed me that I had been in the correct payment plan but that the terms of that plan were wrong. They provided me misinformation about the terms of the loan, and can not fix the history of my payments. 

I have worked over ten years in public service, but because the loan companies who had my loans provided me inconsistent and incorrect information, my employment does not count towards my loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (AZ).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: XXXX XXXX acct # XXXX, financed a car I purchased for {$13000.00}. I put {$2000.00} down payment and after making payments of $ XXXX/mo for a year the payoff balance was still approximately {$13000.00}. This predatory loan was impossible to refinance. It was never disclosed that the loan was intetest only upfront before any principle was paid. This loan would cost approximately {$23000.00} for a {$13000.00} car. Had this been disclosed as required by law I would have declined. This is textbook racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a fraudulent account listed on my credit report twice, and I am still fighting to get the account removed. I provided the identity theft complaint as supporting documentation with the XXXX dispute, which included the police report number, and XXXX 's name who filed the report. I have explained to them that the police report with the identity theft complaint is XXXX pages total, and that 's why I have n't sent the actual police report. Equifax used the same identity theft complaint to place a security freeze on my file, but I still have to go through XXXX to get this fraudulent account removed, that is included in the identity theft complaint as fraudulent. I called the creditor yesterday several times before they could even find this account in their system, and when they finally located the account, they admitted that they received the identity theft affidavit on XX/XX/2016. This account was removed/blocked by Experian on approx. XX/XX/2016, and creditor was notified by them. I called Equifax again yesterday after talking to the creditor ( XXXX ), and told them that XXXX is acknowledging that this is a fraudulent account, so how do I get this removed. Equifax told me that I would have to send a copy of identity theft affidavit/police report with a request to remove the fraudulent account, also a copy of ID and social security card. Even though I have provided a copy to them, and again, this was the same identity theft report they used to place security freeze on my file, I faxed it to them again because I simply want this account removed so I can get on with my life. This account is damaging my credit!!! This is not even my account, and I have gone through XXXX to clear my name of fraudulent accounts/information that has caused enough damage to my life. No identity theft victim should have to go through this, calling credit bureaus/creditors in tears over what should have been resolved by now. I called Equifax again today XX/XX/2016, and they ca n't even confirm they received the block request, all the other documents they requested, which was faxed yesterday. I wanted to make sure they received what was requested/required to resolve this fraudulent account, and they ca n't even tell me that much!!! They said I have to wait XXXX hours to even find out if they received the fax. What do you mean XXXX hours? This is beyond ridiculous. And this is the same information they were given already, because they used it to activate my security freeze. Do I have to take legal action to get this fraudulent, inaccurate information removed?

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, 2017, I decided to apply for a new Chase freedom card. During the application process Chase adds an unusual step asking if the applicant wants to transfer balances. I thought it was part of the credit history full disclosure application process. I added my other CC balances to the application. I later got on the phone to discuss opening my account and the Chase representative proceeded to tell me that I needed to reduce my credit limits on my other Chase cards if I wanted to open this card. Not even once did we discuss transferring balances. On XX/XX/XXXX I got an email from XXXX telling me that I had been charged close to {$600.00} in fees on my chase credit card. I logged in to find out that Chase had gone ahead with the balance transfers without consulting me. I called the representatives and asked why they had gone through with the balance transfers without my approval. Their answer was that during the application process I had requested the balance transfers and that was enough. I replied that if I had known about the high fees I would have never gone forward with the balance transfers. Chase told me that the fees are disclosed online and that I clicked the " agree to terms and conditions '' which I never knew included the fees. The process is so misleading that I had already paid down my credit card balances when Chase started the process of transferring the balances. Now I have credit cards with positive balances at a cost of {$600.00} that I never agreed to. I called Chase to tell them to undo the balance transfers and they told me that there was nothing they could do, even thought the transfers did not even appear on my other credit cards. A credit card application process should never include a misleading step like the one that Chase has on his application. Balance transfers or anything else for what a bank wants to charge an astronomical fee should be explained to the customer NOT hidden in terms and conditions that are not even upfront and center.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? 
Please contact with them to be removed of my records ASAP. 
Thank you very much for this results of this matter. 
My Email is XXXXXXXXXXXX.

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 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that CBE made a change to my credit report on or about XXXX XXXX, 2016. I do not know what this attempt is to collect the debt, however, XXXX XXXX has attempted 5-6 times to collect this debt I do not owe and has not provided the services contracted since XXXX XXXX, 2016. Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it. I will file a complaint with XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX XXXX XXXX XXXX on my XXXX XXXX credit card was canceled. I received a letter from XXXX verifying the cancellation. XXXX XXXX XXXX were charged to my account on XX/XX/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