milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later. 

Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX. 

Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely. 

From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (IA).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom it May Concern, I recently refinanced with the XXXX. They sold my mortgage back to Bank of Oklahoma ( BOKF ) overseen by XXXX. I was told by XXXX XXXX not to make any payments until XXXX 2015, in which I followed his direction. On XXXX, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ), who provides our Homeowner 's Insurance. The letter stated that our coverage was being terminated in full as of XXXX. I called XXXX who confirmed that a payment was received that day, XXXX/XXXX/15. XXXX informed me they requested payment XXXX from BOKF as we trust them to oversee our escrow account. BOKF made excuses that their office moved from Michigan to Ohio, and stated they had sent a letter to XXXX informing them where to send payment request. All of this finger-pointing needs to be addressed. While my coverage was n't actually terminated, it did cause great, unnecessary stress in my life. To make a payment one week before termination is completely and entirely unacceptable. I will be refinancing ( again ) and will insist on a clause that our mortgage will not be sold to BOKF or XXXX. Please do not let them get away with these actions, or lack thereof. 

Thank you for your time. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Billing disputes

Complaint: Wells Fargo is still reporting my account as late for 90 days even though it 's paid. Upon paying this debt, they told me they would delete this account from my credit profile. This is for account beginning with XXXX. I did not open this account, and I paid it just to have it removed from my profile rather than deal with the hassle. Now it is more hassle than I expected. They performed a " bait and switch '' to get my money then did n't hold up their end of the bargain. This is illegal, and it 's over a small amount of money. This need to be removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OR).
Issue: Managing the loan or lease

Complaint: I financed my car through wells Fargo Dealer Services. I have made all payments through bill pay. On XXXX I did an early payoff. I sent wells Fargo & XXXX. 
I overpayed what they were showing I owed at that time on their sign in site. Wells Fargo never ever showed in any statement that I made a {$7000.00} Payment. Wells Fargo shows that I sent them {$6100.00}. That is today. When I first made the payment they at that time showed that I made 2 seperate payments both being extremely less then what I sent them. These payments mysteriously now disappeared. Now only one payment shows. When I questioned them, They gave me the run around and said thats just the way wells fargo does things. They did send me Title as well as Payoff letter. The problem is {$7000.00} - {$6100.00} = {$930.00}. Wells Fargo sent me a check for around {$15.00}. Where is the over $ XXXX they owe me. Im just going by their records. Did they open another account with this money? I want to know. I have documentation proving every word im saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX ( XXXX ) Type : XXXX XXXX XXXXAutomotive Date : XX/XX/XXXX XXXX FL XXXX XXXX ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, 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 04/14/2015 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried many times to have this company remove me from their list. Apparently they are a collection company and I have told them I am not the person they are trying to reach and requested they remove me from their list. A few times the representative on the other end will say ok I will have you removed. More often than not, however, the person on the other end will just hang up on me since I am not the person they intended to reach. 

For example. this morning I missed a call from them. I returned the call to the number in my caller ID, someone on the other end answered and I told them I was returning the call because I missed it. The representative then asked did someone talk to you. I stated no no one talked to me ; I just missed the call and returned the called to the number in my caller ID. The representative then hung up on me. So, I called back. This time I got the name of the representative, XXXX. I asked XXXX for a Manager. She asked if I was the person they were calling for ( but she asked me using that persons name ) and I said no. I gave her my name. I asked again for the Manager. She then wanted me to give her my phone number. I told her she has my number, I just want to speak to a Manager. I informed her that I have spoken to many representatives and been hung up on by many representatives about them harassing me and I 'm tired of it. I want to only speak with a Manager. She offered to transfer me to a Manager 's voice mail. I told her I wanted to speak to a Manager because I wanted the matter addressed and resolved right away. 

We went back and forth for a bit until finally she hung up on me and I never got to speak to a Manager nor did I get transferred to a Manager 's voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect my sensitive personal information and it was stolen by hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Experian remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request roughl y 4-5 mo nths ago and have not heard back. I have called multiple times only to be bounced around departments wit h no one able to g ive me any information or answers. I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my 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 02-07-2017 about Credit reporting () with U.S. BANCORP (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is the servicer of a now-closed XXXX credit card in my name. On XX/XX/2017 they submitted a negative item to XXXX, claiming the account is XXXX days delinquent. I have experienced this issue with this company before and I won the claim. 
They claimed to have called me about an overdue balance multiple times from a number ending in XXXX. They have my correct cell number and I can show call logs from XXXX indicating no calls to me were ever made. I called an agent to rectify the balance and I caught her saying that they only mail letters about overdue balances ; they do not make calls to get the account current. This is in violation of the Fair Debt Collections Act. Consumers are to be made aware of delinquent balances using any means on file. 
The agent told me the account was 40 days late ; not the XXXX days being reported to XXXX XXXX Since I had no way of resolving the overdue balance prior to Elan reporting it to XXXX, I have been unduly burdened. I want the account reported as " paid as agreed - never delinquent ''. This company 's practices are not in line with legal collection efforts. Consumers must be given the change to rectify overdue balances prior to reporting to the credit bureaus.

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 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Special Financing Company, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I bought a XXXX inch FROM XXXX FOR XXXX FOR WHICH they then tacked on an extra XXXX. I originally bought a laptop for which I had to return because it was the wrong one. he charged a markup on this device but did not return it when it was credited I ended up being billed XXXX for a XXXX tv originally purchased from XXXX XXXX through XXXX. Then special financing who bought the loan was taking payments from my check at work. I took them off because I was on XXXX since XX/XX/XXXX I was getting sick pay 15 hours per month and the got all of my sick pay money. So I requested the company take them off of direct pay. they then hit my bank about 6 times I ended up payment XXXX in nonsufficient funds fees the bank credited me back XXXX. The company then went to my XXXX card which I did not authorize they only had it when I used it to pay them before. They stated that I gave them a copy of this card when I took out the loan, this was lie because I did not have this card then. I was reissued a card 4 months after I took out the loan. so after I paid them XXXX and agreed to pay the rest of the money the following month. The went into my account and charged XXXX without my permission ( I thought certain types of payments were not subject to collection -- this was XXXX check from ca state XXXX ) I had been on XXXX since XX/XX/XXXX the job paid them all of my sick pay which I requested and when I ran out they could no longer pay them, they got desperate and they took money from wherever they could. After getting the XXXX from my XXXX they stated that they received an additional XXXX check from my job which means they received XXXX in XX/XX/XXXX. they billed me a final payment XXXX for the bill from XXXX. They were overpaid and they will not return my money I sent the bank the statement that I sent you because they stated I HAD TO PROVE THAT I DID NOT OWE THEM BEFORE THEY WOULD RETURN ANY MONEY. they gave me XXXX on my card but the company did not give me anything. I called today they stated that they sent it too the bank. I asked her two weeks ago why would you send my money to the bank when you received if from my job. The bank never received the money I never received it because they never sent it. I am of the opinion that since the bank paid me back half the XXXX they want to keep it all. See the attached statement where they billed me XXXX and they include XXXX as " other fees '' I do n't know what that is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had financial difficulties in XX/XX/XXXX and filed for bankruptcy. I was not able to make the mortgage payments in the agreement and the bankruptcy was discharged XX/XX/XXXX. The Lender Rushmore Home Mortgage LLC proceeded with the foreclosure on XXXX XXXX, XXXX the day before auction I filed again for Chapter XXXX. Through an inheritance I now had the reinstatement amount due of approximately {$130000.00}. I then instructed my attorney to dismiss the case so I could pay back the reinstatement amount due. The dismissal was official XXXX XXXX, XXXX. I immediately called and left a message with XXXX XXXX XXXX regarding the procedure and reinstatement. I have XXXX XXXX emails XXXX/XXXX/XXXX stating, she received my voice mail and " I have requested the fees and costs for the Foreclosure. Once received I will forward. I have attached the wiring instructions to wire the funds. '' XXXX XXXX, XXXX subsequent email from XXXX XXXX states : " the reinstatement will be not completed until XX/XX/XXXX due to the foreclosure fees and costs. '' The next XXXX/XXXX/XXXX email states : I am sorry to say the foreclosure sale date was completed yesterday and the property reverted to the investor. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Medical) with Collection Bureau Services, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation