milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : 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 explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I applied for a mortgage for a rental property and the fellow that i had worked with on a couple properties in the past 3 years informed me that there was a unpaid debt in collection. This was lowering m y credit score  which might cause a higher rate. He gave me the name of the collection company and the  XXXX   XXXX  number.     I called them and they asked for a letter, which I sent to them. A week later i received a letter from them that collection efforts would seize and it would be removed from my credit report.     A week later I received a call from a different collection agency for the same bill. To say that i was irritated is an understatement. Over the past couple weeks I have argued with at least 20  XXXX  representatives.     They want me to get notarized statements and fax them the info.     Why should i have to pay out money for their mistakes. I told them the y may  have a policy, but my policy is to not pay for their mistakes

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 05/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   XXXX   in  XXXX , GA located at  XXXX   XXXX   XXXX   XXXX , GA  XXXX  placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in  XXXX  of  2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to   XXXX   XXXX   numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help 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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We asked Account Resolution Services to validate a debt by the FDCPA law. They fail to do so by not providing that they are bonded by the State of Texas to collect debt in the State of Texas. I am going to provide the letter they sent in return to our FDCPA Validation letter that was sent to them. The letter that Account Resolution Services provided will be attach to this complaint and you ant see proof that they have the right to collect debt in the State of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with CITIBANK, N.A. (DC).
Issue: Fraud or scam

Complaint: This is a follow up to complaint number XXXX wherein Citibank refused to honor their own cashier checks. I have still not received this money. 

Citibank originally claimed that the money was escheated to the State of California, ( or Colorado or DC ) but California did not show a record of the transaction ( see attached ). California requested proof of the transfer in a subsequent conversation, but despite numerous unanswered requests to the branch XXXX, XXXX XXXX, or to XXXX XXXX at the XXXX XXXX XXXX, Citibank has failed to supply proof that this transaction occurred. 

After my original complaint, I received a letter from XXXX XXXX at the XXXX XXXX XXXX with the months that Citibank allegedly escheated the funds. I requested proof of this transaction ( as requested by the State ) but was informed that this information was proprietary. I requested that they send the information directly to the state, but was informed that Citibank would not do this. 

I made numerous requests to speak to XXXX XXXX XXXX XXXX, XXXX XXXX, but XXXX XXXX refused on the basis that she would tell me the same things ( which is absurd on its face since my first question would have been to ask XXXX XXXX XXXX  XXXX XXXX name ). My XXXX did promise a call-back from a rXXXXe of XXXX XXXX and gave me an email address for the XXXX XXXX, but like so many failed assurances from Citibank, no phone call was received, and the email address proved invalid. 

Citibank took my money, refused to honor their checks, and then failed to assist in recovering the money leaving me with no recourse.

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 10-02-2016 about Bank account or service (Savings account) with U.S. BANCORP (UT).
Issue: Problems caused by my funds being low

Complaint: My savings account is getting lower without me knowing about it.

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 06/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problems caused by my funds being low

Complaint: Navy Federal Credit Union froze my accounts due to a late payments. They would make me call them to unfreeze my own account with my own money even if it was a day late. They also withdrew money from my savings account without consent for any overdraft in my checking account. Also when a company tries to withdraw money and there are insufficient funds, navy federal charges XXXX dollars and they do not even bother to charge you. They did that about 3 times for XXXX dollars each time. I do not understand this, I am in the military and having to deal with my account not working while I 'm trying to buy food or personal thing, because it is my money, is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge of XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent a letter from  Commonwealth Financial stating that they would notify fy the   XXXX  major credit agencies once i made the payment stated in the attached. They did not ... I have called multiple times to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX .  XXXX , and  XXXX   XXXX  no response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good morning. My name is XXXX XXXX XXXX, XXXX # XXXX. I represent XXXX and XXXX XXXX in the following situation : Earlier this year XXXX and XXXX 's mother, XXXX XXXX lived in XXXX XXXX Florida at XXXX XXXX XXXX, XXXX XXXX Florida, XXXX and passed away in XXXX. She has a mortgage on the home secured by XXXX Bank as the owner and SLS as the servicer. The home is now in foreclosure and just came out of probate as the 2 sons, XXXX and XXXX are the executors of the estate of XXXX XXXX, XXXX, they are NOT liable for her mortgage debt. To make things easier to get past this, the son 's have hired me to negotiate a short sale with the servicer, SLS and I am moving forward with that. Here is the problem. The foreclosing attorney, XXXX XXXX of XXXX XXXX XXXX, XXXX Fl, XXXX keeps sending XXXX, XXXX and even their spouses summons and filing for foreclosure to collect the unpaid mortgage on their DEACEASED mother 's home. The servicer, SLS has all of my representative paperwork stating that I now have a cash borrower and we can negotiate a short sale.

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 08-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Advertising and marketing

Complaint: On XX/XX/2016 I got on XXXX airlines web sight to purchase a ticket. They had an offer with american express that if you applied and got approved for a credit card, you would receive XXXX dividend mile after you made a {$1000.00} in purchases and a {$50.00} credit after you made a purchase with XXXX. I applied and was approved right a way. They Emailed me my credit card account number. When I tried to purchase my ticket, ( minutes later ) the application wanted my XXXX digit pin number on the back of the card, I did n't have one. I called american express and told them and they said that I will have to wait until I get the card and that they did n't have it either. I bought the {$790.00} airline ticket with another credit card that day, because I did n't know how long it would take to get the card. I received my american express credit card statement today and I did n't see the {$50.00} credit on it. I called Amercian express and complainted about trying to make a puchase and could n't because I could n't get the pin Number and that I I had until XX/XX/XXXX to make a purchase through XXXX before the offer expired.. My complaint is I tried to make a purchase with Delta through their promotion american express credit card and could n't because they would n't give me the XXXX digit pin number to complete the transaction. I tried to get american express to extend that offer for another 3 month but they would n't. I do n't plan purchasing another airline ticket until XX/XX/XXXX at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Problems when you are unable to pay

Complaint: This vehicle was repossessed illegally, and I was never given a chance to recover the vehicle. Also never received notification of why there is any deficiency balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

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 12/17/2015 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: US BANK has been unwilling to work with me to modify my loan. I have consistently submitted all documents requested since XXXX 2014, with no avail.They constantly lose docments I fax, send correspondence from all over the US. No one can never give me the status and says its in underwriting or in process.THIS IS STILL CONTINUING to this day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Since XX/XX/XXXX I had the paid service of XXXX XXXX with Equifax ( which only monitors the Equifax credit report ) and I have been paying {$14.00} per month. I contacted a customer service representative with Equifax to cancel the service on XX/XX/XXXX. Since Equifax now offers the free service of XXXX XXXX XXXX, which includes 3-bureau monitoring as a result of a recent security breach, I requested a refund of the amount that I have been paying since the announcement of the Equifax breach or the occurrence of the actual breach, which ever was the earlier date. 

On their website, Equifax indicates that they no longer offer subscription products for purchase at this time. The premise of my argument is that I should not be paying for a product when there is free product which offers more value and which only became available because of a mass security breach. 

I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX we received a PAST DUE PROPERTY TAX NOTICE for tax year XX/XX/XXXX, due XX/XX/XXXX -- A Time Period For Which Ocwen Was In Fact Servicing Our Mortgage & Our Escrow Account. THE AMOUNT DUE AS SPECIFIED WAS {$190.00} We forwarded the notice to Ocwen. Ocwen made payment from our Escrow Account ; However, They OVER PAID! On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$240.00} On XX/XX/XXXX, Ocwen credited " Tax Credit '' of {$42.00} On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$24.00} Ultimately We Had {$240.00} Deducted From Our Escrow Account For A Tax Bill Of {$190.00}. When We Contacted Ocwen We Were Told The {$42.00} " over payment '' was not an over payment but was payment of Interest & Penalties -- - HOWEVER THE TOTAL AMOUNT DUE WAS {$190.00}. OCWEN DEDUCTED {$42.00} TOO MUCH FROM OUR ESCROW ACCOUNT! We Have Yet To See A Credit On Our Escrow For The " Over Payment '' And Have NOT Received A Refund From the County. I Have Provided/Attached A Copy Of The Tax Notice & A Copy Of An " Escrow Disbursements & Payments '' Statement As Provided By Ocwen -- The Two Document Show An Obvious Discrepancy in The Amount Ocwen Removed From Our Escrow Vs The Amount Due. It Also Shows That Ocwen Has Failed To Correct This Issue Dispite Having Had It Brought To Their Attention! OCWEN CHEATED US OUT OF {$42.00} BY DEDUCTING MORE FROM OUR ESCROW ACCOUNT THAN WAS DUE & NO REFUND OR CREDIT HAS BEEN PROVIDED!

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 11/19/2017 about Debt collection (Payday loan debt) with BTH Management (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off XXXX of the loans I have through Navient. As I paid off my loan in XXXX of 2016 they made it extremely difficult to pay off the loan with the form of payment I submitted. They basically made it very difficult to pay this off, all I wanted was for someone to take the funds I had allotted to pay off the loan. I have record of them believing I was late on my loan when I in fact had paid it in full. They also stated that there was " easier '' ways for me to pay off my loan that I should do in the future. Happy to elaborate more if need be. I also find it interesting that they never have emailed confirmation of my payments whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is my 3rd complaint with this company. 1 complaint filed with XXXX and 2 with cfpb. I 've requested multiple times for this company to validate this debt. They claim they sent me a letter a few years ago and one recently. I filled for investigation on this company in XX/XX/XXXX. Its been over a month. They have made no attempts to reach out to me. I recently denied a line of credit due to unverified account being reported that i was unaware of. 
Im extremely frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among Equifax, XXXX and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

Company response to consumer: Closed with explanation