milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Approximately 4 months ago, I disputed this item through XXXX as not belonging to me. XXXX XXXXnvestigated and upon completion, the account was found to not belong to me and was deleted from my credit file. On XXXX XXXX, XXXX, this item was reinserted on my credit report. In accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have actually resolved this problem but am very concerned about others in this same predicament. I received a bill for {$23.00} from  Chase milea ge plus  XXXX  in  XXXX  with payment due on Sunday,  XXXX   XXXX . I paid the bill via bill pay from my bank on  XXXX   XXXX . The payment arrived  XXXX   XXXX , Tuesday. My next bill arrived with a {$15.00} late charge on a {$23.00} bill. I found this to be infuriating and appalling. I have received assurance that my account will be credited next month but I am still angry and wondering if this is even legal? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep calling after submitted paid in full payment

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have had my mortgage with Wells Fargo Home Mortgage for years. I closed on a short sale today. I had tried for the past several years to save my home to no avail. My home preservation specialist was XXXX XXXX. And I use the term " home preservation specialist '' very loosely as he was never of any help. Very rarely responded to any of my inquiries. I asked many time to deal with someone else at WFHM and once again. my requests went unanswered. I have called XXXX XXXX every day since last Thursday, XXXX XXXX as I am requesting relocation funds as my home is closing in a short sale today. He HAS NOT responded. I am going to temporarily move in with my daughter but I should be eligible for relocation funds from WFHM. I think it 's disgraceful, immoral and illegal not to provide relocation funds so that I can move. I would like a response and an explanation as to how I will receive relocation funds. Thank you. My loan number is XXXX My name is XXXX XXXX XXXX XXXX Court Cinti Ohio 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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This account is not being reported on my XXXX credit report and it 's affecting 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 07/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Settlement process and costs

Complaint: We ( my husband and I ) refinanced our mortgage loan with CapitalOne. We closed on XX/XX/XXXX. Capitalone did not pay off our prior mortgage until XX/XX/XXXX-7 days later. We thus paid interest on both loans for a week. When I called our CapitalOne POC to discuss this, he said he had heard something about there being a glitch and delay in paying off some prior mortgages, that he would look into it, and if there was a late payoff as I described, he would reimburse us the extra interest we had paid. I then never heard back and never received a reimbursement check, despite leaving many phone messages asking for a status report and call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: In XXXX 2016 I was scammed with an online job posting on XXXX, the listing seemed very credible and I followed instructions via email to receive a counterfeit check and deposited into my Chase bank account to then withdraw and deposit into the scammer 's account. I received the check for {$3300.00} and deposited to my account on XX/XX/2016. At the time being XXXX years old I knew almost nothing about how to handle unknown checks since I believed in the bank to handle it properly. I continued following the scammer 's instructions to withdraw the money from my account, at this point I did not want to be ignorant so I asked the teller if the money I was about to withdraw was entirely available and if I had nothing to worry about or be concerned of beforehand and the answer was no nothing to worry about, until a few days later that I received a letter from my bank stating the check bounced and the money I had already deposited into the scammer 's account had to be returned leaving me in debt and in great suffering of worries and emotional damage for me and my family. I instantly tried to solve this matter with bank and police but neither could help since there was not enough solid evidence of the scammers and the money was gone. I also reported the matter to corporate offices and was told this was entirely my fault for not knowing very much about checks. They told me the money was extended as an advance without informing me and they expected the check to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: Someone from out of the US transferred funds from my paypal account that was associated with my personal checking account causing me to have to close my personal account with my bank I have created several disputes about the XXXX drafts from my account and everytime I have created a dispute over this they have closed it and dismissed it. I would like for the money to be put back in my pay pal account since I have no checking account due to it having to be closed so they could not get more money from me. I am at my witts end with pay pal and their customer service sucks I have yet to get any help with this and it occurred on the XXXX of XXXX 2015 I would appreciate any help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Customer service / Customer relations

Complaint: I decided to purchase a riding lawn mower during the summer. After shopping around my wife suggested that we purchase from Lowes. Against my better judgement of going to The XXXX I gave in to purchase from Lowe 's. Having the Lawn Mower a little more than 30 days the pulley broke. I sent it out for repair after going through hoops with the repair cost because the salesman told me the 3 year protection plan would cover the cost of any repair of the mower and if anything ever happen to it we could bring it back and get another one is how he explained the protection coverage at the time. After paying my ex landscraper to cut my lawn I Finally got the lawn mower back. Two weeks later I go to cut my grass and the same exact problem- the pulley comes off again. What a headache! Its obvious that this product is defective. Lowes can care less about their consumers. I 'm not going to pay for a defective product and neither should I have to send it out for repair after every use. Stop selling bad products! This is the second time I 've had the same problem with a so-called new mower. I will be contacting the Attorney General 's office on this matter and reaching out to other sources as well about this matter since I ca n't get anywhere with Lowe 's. I want lowe 's to refund my card and come pick up their defective mower.

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 10-02-2015 about Credit reporting () with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing/Cancelling account

Complaint: I contacted Kohl 's credit card on XXXX/XXXX/2017, managed by Capital One to set up a payment arrangement to prevent my account from closing and going into collections. I set up a verbal payment arrangement to pay the minimum due on XXXX/XXXX/2017. The agent who took my call stated that on that day when I made the payment to call to get the late fees refunded. She also stated she would notate my account of the payment arrangement. I made the minimum payment of {$200.00} on XXXX/XXXX/2017 and I called on XXXX/XXXX/2017 to get the late fees refunded, only to be alerted that my account closed a fee days earlier. I spoke with a Supervisor who was going to pull the call to find out what happened and after not hearing anything for a few days, I messaged Kohl 's via XXXX. I was contacted by XXXX with the " President 's Office '' who stated she was going to pull the call. I called XXXX last week after not hearing anything and I finally heard from her on XXXX/XXXX/2017 and she stated that the agent notating the account of the payment date we discussed was not a payment arrangement and that they were under no obligation to open the account. Also they stated the agent was under no obligation to tell me that my account would be closing before the payment arrangement date. This is unacceptable when I honored the verbal payment arrangement with Kohl 's and even paid a day early.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: Penny Mac had a website with an invalid security certificate, exposing customer social security numbers to theft, fraud, phishing, and interception every time they log in. They ignore complaints and refuse to update their website security and are recklessly exposing customers to identify theft. I want them prosecuted or sued for malfeasance and gross negligence leading to violations of consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit score on XXXX and it says that I have a derogatory mark on my credit from XXXX for XXXX in 2013. This is my XXXX time checking my credit in a while. I have never had a XXXX account nor do I owe anyone XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I looked at my credit and found a collections item on Transunion from XXXX XXXX XXXX. I asked for validation a week ago ands told It would be sent but they did not ask for my address. The credit reporting agencies have this up now as truth, and I knew nothing about this, The process was circumvented and Transunion is complacent in this. I want this investigated. The reporting agencies make it almost impossible to do business with them. I believe this was put on my credit report due to false information, I was not sent validation even after requested, I can not find the original creditor of this alleged debt, The company that placed this item on my reports does not hold a license in my state to operate as a collection agency.So in short this credit bureau has put and item in collections solely on the word of a company that has been accused of scamming consumers. This fact makes the agencies an accessory to the harm this is doing to my plans to refinance under HARP before 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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Transunion Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX XXXX The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

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 12/13/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Making/receiving payments, sending money

Complaint: In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 10/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent several letters let Experian know that XXXX XXXX Bank, XXXX is not the owner ofthe debt any longer, they refused to remove it and stated that they will not investigateit any more, even thought XXXX is not the owner of the debt, I also sent a letter toXXXX XXXX Bank who sent a letter back stating that they are not the owner of the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC is sending me letter asking me to pay for debt that is not mine they have the wrong person ... multiple letter .. from different accounts.. why the have the power to ruin my credit? 
they are a scam ... they dont do the research to check the information. soo unfair!!! i take care of my credit and some careless company just add collection that is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. Portfolio Recovery have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Portfolio Recovery, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: I have been a customer of Wells Fargo for over 15 years. Wells Fargo has consistently approved debit card transactions and transfers on my account and then charged me overdraft fees after the fact. This is not a one or two-time occurrence ; it happens consistently. They will make sure to process transactions in an order that assures that you will get charged as many overdraft fees as possible.

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 03/31/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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