milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo flagged my mortgage account without notifying me. I was not notified via online statement, paper statement or phone. I have phone records to prove this. When I disputed the information with Wells Fargo they refused to take the late off my credit and claim they tried to contact me without furnishing any proof, whereas I have proof.

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 06-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Describe what happened so we can understand the issue ... 
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: When I signed up for this checking account, I chose the option for no overdrafts ( if I did not have the funds in my account, then the transaction would be denied. ) However, Huntington has allowed my charges to go through when there were not the funds in the account and recently charged me {$130.00} in overdraft fees. ( XXXX overdraft charges and an " extended '' overdraft fee )

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Receivables Management Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Amsher Collection agency  is erroneously reporting an account fro  XXXX  that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capital One has been reporting a Charge Off current even though it was charge off since XX/XX/XXXX. I been trying since XX/XX/XXXX to have this debt validated in XX/XX/XXXX they send me a verification letter saying they no longer owe this debt that it was transfer to XXXX XXXX. 
It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from XX/XX/XXXX with a balance of {$2500.00} and a high balance of {$2400.00}. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to both   XXXX   and   XXXX   to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are :   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   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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    <P/> The following are inquiries from  XXXX  that are not authorized by me :   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 explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of XXXX 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to XXXX to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. XXXX have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. XXXX will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.

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 06/18/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX continues to report judgements from XX/XX/XXXX and XX/XX/XXXX to all credit bureaus which violates the Fair Credit Reporting Act Sec. 1681c. ( 2 ) which states, " Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. " This is illegal and I 'd like them to remove the XXXX judgements from my credit report. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted several times within the last 2 months from some XXXX person about i won so much money my XXXX this call was similar I also spoke with XXXX XXXX and XXXX XXXX who was very rude while I was trying to collect information about this bogus account XXXX XXXX even referred to me as a female quite a few times they ca n't inform me the number to the place they claim I own I also asked them to produce something I signed saying I would pay them here is the information I did obtain hope this helps Credit control llc 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 09/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am trying to get the benefit that I deserve for my Citibank checking account. 
I opened the account with a promotion code XXXX to get XXXX Aadvantage miles in XXXX 2015. Since there is no Citibank branch where I live, I opened it online under the guidance of Citibank representatives through both online chatting ( please find attached chat history ) and phone calls. At the time Citibank confirmed the AAdvantage bonus miles will be credited by Citibank to my AAdvantage account within 90 days from the end of the statement period in which I complete all offer requirements. 
After the checking account was opened, I completed all the requirements. 
However, now Citibank claims I was not targeted in this promotion so they refuse to give the XXXX Aadvantage miles. Citibank has investigated twice on this issue, both times I get same answers. ( attached their answer ) When opening the account, as a customer, I had no information of Citibank internal marketing strategy. The only resource Citibank provided were online chat help and customer service on the phone. All Citibank representatives confirmed I will benefit from the promotion. Now Citibank is contradicting itself. 
Please help the justice be done. 
With gratefulness,

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This has got to stop, now we are going on month four, I have disputed the fact that TransUnion has me under XXXX XXXX XXXX XXXX ( the second ) when have you ever seen a lady be the second? I have disputed this several times and some inaccurate data listed on my personal credit file and I'm getting no where. They just ignore my request. Please help I have all the responses where nothing was done and still inaccurate data

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 07/18/2017 about Debt collection (Medical debt) with I.C. System, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information

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 01-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Funding LLC by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FM).
Issue: Loan servicing, payments, escrow account

Complaint: This mortgage company is the Absolute WORST company that I have ever dealth with!!! I have been going back & forth with them for 3 months regarding my Hazard Insurance on my account. I have had Hazard Ins on my account from Day one XXXX. I have supplied this information to OCWEN every year and it was NEVER an issue. OCWEN changed the requirement and I was NEVER informed. They stated that they sent a letter to me XX/XX/XXXX.I HAVE NEVER RECEIVED that until One week ago when it was emailed to me from the Executive team that I placed a complaint to. Please note that I spoke to a OCWEN representative XX/XX/XXXX and they advised that the letter was sent to another address ( NOT my address ) & they then changed my address in the account. I was Advised XX/XX/XXXX that I am now required to have Hazard Ins on " my indwelling '' of my property. I purchased the additional Ins XX/XX/XXXX when I was advised of the change and provided the Ins proof to OCWEN.This complaint is simply that OCWEN placed Hazard Ins for my Indwelling on my account and Escrowed it into my Mortgage XX/XX/XXXX and I was NOT advised or informed of this. I purchased the Ins when I was advised and WILL NOT pay for something XX/XX/XXXX When they did NOT inform me of it. XXXX managers from OCWEN advised that they were going to look into this matter and get the Placed Insurance credited and I have not had ANY resolution to this issue. I have Names & Dates of the XXXX times that I spoken to this customer to get this issue resolved and it is still Not resolved. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with Halsted Financial Services, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Halsted Financial Services keep calling my workplace to verify employment. I want a cease and desist letter for them to stop calling my workplace. I told them to stop calling my workplace but was told that they were going to stop. They even threaten me that they will sue employees at work if they do give them information. Their # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Credit decision / Underwriting

Complaint: We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I was recently sold from XXXX XXXX XXXX to seterus. I was supposed to receive a welcome packet by XXXX XXXX, and have not received anything! I do n't want to be held in default for payments when I have no information or loan number to send it to!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they will not tell me who the debt is with

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Fraudulent charges were made on my account for services that were never rendered. My credit report was corrected after investigation by XXXX and XXXX, but I had tried unfruitfully to communicate with Equifax and it 's being impossible. Last thing they told me before the phone call was cut, was that my actual physical address, where I 've being living for 6 years now is not in their records and now I recently found they just removed it from my credit records after that ( they had it ) while the other agencies still have it.It 's being very frustrating. First I tried online, then, I tried to send them an email that they never respond, and finally I called then by phone. When I was in that process the representative just hung on. I 've being trying to file a dispute with them and they are refusing to do so implying, apparently, that I am stealing my own identity.Last thing I did was to send the filled dispute form by mail ( I include a copy in the attachments ) to their address. It was ten days ago, and the only reaction I had from them is that they removed my current address from their report ( The other XXXX Agencies still have it, like I said before ) .I am contacting you becuase I do n't have anybody else to help me with this problem. thanks in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CRESCO CAPITAL INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Account Details Bureau Name CRESCOCAP Account Number XXXX Account Type Lease Responsibility Individual Original Loan Amount {$57000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$1100.00} Term 50 Months Payment Frequency Monthly ( every month ) Worst Pay StatusUnknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Worth Finance Corporation (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A request has been submitted requesting 60 days to settle my dispute. Worth Finance has also stated that I have called during the month of XXXX, I have been in contact with this company since XX/XX/XXXX. I do agree with the statement made that I was unhappy with option that was presented to me. Please note this company has reported this loan as a charge off and bad debt since XX/XX/XXXX. Knowing that the loan reach it 's limit of collection in the state of Taxes. WFC tried to re-instate a payment plan or increase the amount due, again on a CHARGED OFF, BAD DEBT as reported since XX/XX/XXXX. I made contact with them, they have not called back and should not be allowed to draw out or delay action of removing debt from my credit report.

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