milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: There was XXXX unauthorized transactions on my American Express for XXXX card over the course of 3 days. I was given a temporary refund and then it was taken back out of my account because according to American Express the transactions were authorized and I needed to contact the merchant. I called to get information about contacting the merchant and was told that they would email the information to me. However when they did email it I could n't access it because the link expired in 24 hours. I called over 5 times to request that information again and speak to a manager. I was told that I would get a call back and the information resent each time and I never received the information or never ever received a call back. American Express then discontinued the American Express for XXXX card and I 've been trying to contact American Express since XX/XX/XXXX when the card was discontinued. The American Express for XXXX card phone number is discontinued and I 'm not able to get any information. This has been going on since XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI , INC is a debt collector that is attempting to collect a debt that is not mine. AFNI , INC has purchased the debt from another debt collector XXXX XXXX XXXX XXXX XXXX I have never given any information to or signed any contracts with AFNI, INC. AFNI , INC inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On XX/XX/XXXX I submitted a request to XXXX XXXX and Experian. XXXX is the ONLY one who complied. XXXX and Experian have yet to respond or comply with my section 609 request as of today XX/XX/XXXX. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

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 01/26/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a follow up complaint to a prior one filed last month where I expressed concern that Wells Fargo was intentionally delaying my modification, repeatedly asking for documentation previously sent claiming it was not received and not returning calls. The worst has happened. 

I have actively been working with an individual by the name of XXXX XXXX ( " Home Preservation Specialist '' ) who I have been in routine contact with ( and often hard to reach ) who reassured me on a three-way phone call with an underwriter everything has been received and being processed last month. He even told my son on a separate private call the same thing the very last week of XXXX. 

This month I received a letter dated XXXX/XXXX/17 stating my loan modification has been closed due to lack of documentation. How?! This could not be. No notification was ever sent that something else was missing and I was just on the phone being told my loan is being processed and all is good. I was also informed by XXXX XXXX, an " Executive Mortgage Specialist, '' who my internal complaint was escalated to that the bank is " looking for the best modification '' for me at the time. ALL LAST MONTH. 

After receiving the letter last weekend, my son immediately sent an email to Wells Fargo Mortgage " Executive Office '' again where a woman named XXXX XXXX is now supposedly looking into this with a resolution dated XXXX/XXXX/17. 

But in the midst of this, a man came by my home the other day inquiring about my house being foreclosed on to my surprise. I immediately informed my son who went online and saw that Wells Fargo sent a Notice of Default to my county in XXXX unbeknownst to me, and while I was in the middle of this modification, which is the beginning of foreclosing proceeding - a PRIME CASE OF DUAL TRACKING and intentional deception. 

Unfortunately Wells Fargo can not be trusted and this needs to be escalated outside of the bank ASAP. I am afraid of losing my home after over a year long worth of attempts to work with them and sending any and every thing asked. The deceiving, lying, unethical and perhaps illegal practices have left such a level uncertainty about where I will lay my head. I have been sending paperwork after paperwork for A YEAR. 

Wells Fargo is saying there is no sale date and that the foreclosure process did not begin until XXXX/XXXX/17 ( the date of the letter ). But it should not have began at all. I can not trust them when strangers are coming by asking me about my property being foreclosed on when I was under the impression my modification is being processed. 

Please investigate this. Foreclosure should not be taken place. I hear this is happening all too often. I have proof of the documentation sent.

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 02-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: portfolio rc not my account need proof of debt with contract and signature

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: ocwen loan servicing company has been continually and consistently been making harassing phone calls to me. this has been going on for 11 months, starting on the XXXX of each month and going to the XXXX. some days they call as many as 5 times, starting at XXXX and going to XXXX despite repeated and written notice to stop ( not to mention a perfect payment record ), these calls keep coming and i believe are a personal vendetta.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Profit Services Group has called us several times in reference to a doctors bill for our daughter that has not been paid. They do not leave messages, they will not send bills and want us to go to their office to get copies of bills and pay. I have explained to them that this is a workers comp claim and that I have been working with the Employer, Doctors and  Insurance Company  since  XXXX . They were very rude, threatening and condescending. They are threatening to send it to further collection, take legal action and have called me at my place of employment. They are also trying to collect an additional {$400.00} for credit collection fees. They will not listen to our explanation. They want to know if I have been working on it since  XXXX  why has n't it been paid. They accused me of doing nothing. I tried to explain and they will not listen. I had to hang up on them, due to their rudeness, lack of understanding, and accusations. This is not my first harassing encounter with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OPTIMUM OUTCOMES, INC. (NC).
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: Second request : I submitted a request for collection agency Optimum Outcomes, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said Optimum Outcomes is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion, If I do owe any other money to BOA it would be the original pay-off amount not the {$100000.00} they are trying to make me pay with a new mortgage. I pray this matter is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX I created a dispute through XXXX  and Transunion in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my XXXX  report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my XXXX and Transunion report due to the error and lack of validity and errors when XXXXand Transunion investigated 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 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called to have unauthorized hard inquiries removed from my Transunion report. The rep verified the inquiries were on my report, but said that even though the XXXX inquiries were made within 30 days, Transunion views these inquiries as XXXX whole inquiry. He said I would still have to wait for these inquiries to be removed.

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 07/17/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Multiple phone calls received from   XXXX   XXXX   XXXX   stating that we owed {$150.00} some dollars to   XXXX   XXXX   and that they were going to be filing a lawsuit against us. Phone calls started   X/X/17 ,  continued   XX/XX/XXXX  &    XX/XX/XXXX  unt il I informed them that I knew what they were doing was a scam and that I would be reporting them to the FTC / CFPB. We have not received a call since then. We owe nothing to  XXXX , never have. I have no idea how they got our name / number.

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 11-09-2017 about Vehicle loan or lease (Loan) with Monterey Financial Services LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I purchased a XXXX XXXX XXXX XXXX XXXX purchased from XXXX XXXX in XXXX XXXX XXXX on XXXX date of purchase ) I personally believe the sham starts there as they are the ones that push this company. I understand my credit is not the best and due to that fact XXXX m aware that my interest rate is higher and was told I can pay off early and lose the interest. My loan was initially taken from next step funding and some how I owe the money to monteray financial. There policies and collection protocol is ridiculous. And there customer service and support is non existent. I knew I was going to be paying at least double the sale price which already is border line loan sharing but once you twist up the terms and wording and honestly who reads that stuff. But as it turns out there is no paying off early cause Im actually renting the scooter and will pay a little more than triple the original sale price. But thats not my original gripe. I understand its my fault for not reading the fine print but as I looked online there are hundreds of people with same complaint. So there must be something we can do about this, I already threatened with a law suit and that was the only time I got any consideration. I originally stumbled onto this problem by accicident because XXXX weeks after I bought the scooter is broke down. And repeatedly broke down for about 2 months, I could not get any kind of service or help from XXXX XXXX and I was not going to continue to pay for a broken scooter. I tried next step funding and got no where and then started to get phone calls from XXXX XXXX about 5 Times a day and my fianc as well calling her at work and she isnt even involved, I told them my situation and was told they only gave me a loan and are not responsible for scooter Fair enough I though at the time so I figured I had to balttle with scooter store., I come to find out that I pay a rental fee to them so they are responsible I told them I want to keep my agreement as fraudulent as it is but am not paying fior the time scooter wasnt working I said I will pay for current month once you take old months off,, I guess they just wanted my money cause they agreed and I payed and next month it started all over again and every month since then. And now Im getting bad credit reports. I worked very hard on my credit the past 2 years to repair my childhood damage and Im at a loss here. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Medical debt) with Account Recovery Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ACCOUNT RCVY SERVICE has a medical collection on my credit report that was paid in full long ago. I am asking that this company cease and desist and clear my credit report within 3 business days. It is listed as 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 07/15/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Several months ago, my wife and I sent Equifax a letter requesting that they investigate several errors that appeared on our credit report, and respond to us via postal mail with the completed investigation. Despite numerous requests and follow-ups, we have received absolutely no response from Equifax. Literally 6 months have passed, and we have sent countless follow-up letters, but Equifax just wo n't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation.

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 Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In  XXXX  of   XXXX   I received a letter from the Georgia Department  of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency. I recently observed that Experian is and has been reporting third party information as being valid on my credit file.   I have requested of Experian to Please validate this information with  XXXX   XXXX   XXXX   Court and pro vide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.   The information is not valid that is being reported on my Experian  Credit File.

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 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1 ) XXXX XXXX services is claiming that I had an collection account with XXXX. I have never had an account with this company!!! I disputed this issue and the just sent me a credit card statement, That did not prove any of the circumstances of the supposed investigation they were required to preform. 2 ) The other issue is is that this account is being updated monthly and reported as open although it date of delinquency is about 5 years ago. By them re-aging this account it prevents the 7 year window from beginning. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation