milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (OR).
Issue: Other transaction issues

Complaint: I had a home security monitoring service from XXXX XXXX for my service. I sold my house in XXXX, NC in XXXX 2015. I had called and faxed the letter to XXXX requesting cancellation of service and stoppage of auto payment from my Wells Fargo checking account. Three months later I saw that XXXX continued to charge my checking account the monthly fee of {$36.00}. I called them again and asked about cancellation of payment and for refund of the over charge. The representative apologized and said that the previous person did not process the cancellation accurately and promised the refund. The auto payments finally stopped five months after the cancellation of service but the refund check never arrived. I had also lodged a complaint through XXXX XXXX page but they deleted my complaint. I am having to resort to this because it has been almost a year and without any resolution. XXXX even had the audacity to ask me for the contact information for the people who bought my house so that they could call them to sell their service. I had submitted a complaint through XXXX but XXXX refused to acknowledge their fault, despite the proof, and declined to provide the full refund. They are putting the blame on me because XXXX complaints and responses are public and instead of addressing the issue, they took the falsification of the facts route for face saving.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 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: FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. 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 FCO 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 : FCO 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, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 12-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with IMC Capital, LLC (FL).
Issue: Unsolicited issuance of credit card

Complaint: XXXX sent me a credit card in the mail claiming " Here is your new XXXX Card '' with a credit line of $ 150XXXX. They put my name and my company name on the card. The card had a " call now to activate '' sticker on front, just like a new credit card would have. Neither I nor my company requested a card or line of credit. When I looked on back of the letter in fine print it said, " This is not an offer of credit. We reserve the right to verify your financial information and confirm your credit worthiness. Includes but not limited to verifying banking and credit info. I believe this is a ploy to get you to give your info over the phone and they prey on unknowing people who trust the mail they get.

Company response to consumer: Untimely response
Consumer complaint received 10-10-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from HSBC . Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to HSBC. Although my concerns were clearly documented with specifics, HSBC has rerouted my concerns ( with inaccuracy ) to a " request for HSBC to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, HSBC 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like HSBC have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from HSBC. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression XXXX and XXXX XXXX. received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with HSBC to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, HSBC has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Servicer Heartland ECSI is charging a {$1.00} Service Fee for a Direct Payment ( payment made directly from my bank account ) for my monthly student loan payment. They recently switched to a new on-line portal system - within the last year - and I had called numerous times to complain that making a direct payment still costs an additional {$1.00} per month, even when I was told that there should not be a fee associated with making a direct payment. Now, their old payment portal has been shut down, thus, forcing me to pay the fee if I am paying online. How many other people is this happening to? This is not a fair practice and I seriously doubt this is an oversight on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage with USAA. They repeatedly lost documents we sent to them. They sent us confusing and conflicting requests. For example instead of saying 'can we have a lease agreement for your rent ', they asked us for bank statements, then those bank statements were n't good enough, then they asked for a letter from the landlord, not good enough and so on. This happened with pretty much every bit of requested information. Their 'notice of incomplete application ' was inaccurate as it included many of the things we already sent. We would try and call 20+times a day and got no answer. They could n't read XXXX orders ( despite being a bank for service people ), they could n't read the condo pack that contained the flood insurance and instead claimed we failed to purchase it. As the Power of Attorney for my fiance as he is at sea and has sporadic internet connectivity I was not contacted ( despite chasing the application up for weeks ) until 5 days before the notice of action was due to expire. I asked for management to contact me, they refused. I reported it to Social Media, who apparently escalated the complaint but it was ignored. Finally I got in touch with a wonderful man who processed my complaint and also went through my application and realised that we had everything that was being asked for ( most of it was forwraded again as they had previously been sent but misplaces, misfiled or misread by the processors ). It was the last day to get everything signed off before the application would be closed. The manager of the processing team assured this agent that she would call me. She then messaged him to say she would in the morning and would deal with the outstanding documents. Instead of doing this she proceeded to close the application. We are already a week over out closing date and now are likely to be up to 45 days over again as we reapply, possibly again with garbled explanations of what is required, poor communication, lost documents and issues with us being overseas ( something that would n't have been a problem had they processed things properly. We have been thoroughly mistreated and as a result not only face stress and financial hardship but will potentially lose our earnest money and even our home, thanks to their handling of this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with I.C. System, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear Sir/Madame : I am presently residing at Virginia. On XXXX XXXX, XXXX by checking my credit reports, I have learned that an collection amount appeared on my credit reports. I am a XXXX of XXXX, there are XXXX of XXXX of XXXX having the same name and the person who is responsible for that account is NOT me. I have no knowledge of the identity of the person who is responsible for the mentioned account and I do not understand as to why that collection account appeared on my credit report. I realized that collection is for XXXX XXXX which is a power company in XXXX XXXX. I have been living in Virginia since XXXX and this account was established in XXXX in XXXX ( it appeared to be an electric bill ). Clearly, I have nothing to do with this electric bill. 
I am greatly upset about that account since it caused my credit rating tarnished. I am requesting for your help in restoring my excellent credit rating and that delinquency reported to the Credit rating companies be removed. 

Many Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Credit card debt) with Admin Recovery, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I submitted a complaint about a collection agency called ADMIN Recovery LLC, about how they violated the FDCPA and their harrassment in trying to accuse me of owing a debt that is not mine. In response to the complaint, they were not truthful and stated incorrect responses. So my 2nd complaint report is to state that they lied about me not stating they have the wrong XXXX. On XX/XX/XXXX i received two calls and the first call i answered and they asked for XXXX XXXX and i stated you have the wrong number then the person stated no i dont and I repeated yes you do and I hung up. then the same person called again and i didnt answer. then this person called my father and sister, in which, only my father answered, and ADMIN stated to him that i breached a contract and he sent the letters to two addresses in which my father told him i never lived at those addresses and that you might have the wrong XXXX. Admin left a voicemail on my sisters phone. Then ADMIN called me again on XX/XX/XXXX, stating that i owed XXXX and that was in a breach of contract as of XX/XX/XXXX. And then like a week later is when I received a notice in the mail. So I called ADMIN, and i told them that i already told your company you have the wrong XXXX, I stated I never had a account with XXXX XXXX, I dont owe any credit cards and never had a credit card with that much money and I stated this is Fraud and you have me confused with another XXXX and I requested the phone number of the creditor. Then sent a letter to ADMIN for validation of the debt ... not cease and desist ... and i requested the validation just to prove to ADMIN that they have the wrong person. This complaint that im submitting is to prove that ADMIN is lying in their response to the previous complaint and to prove that they are harassing the wrong person, I called XXXX XXXX  and gave my social security number and there is no account with my personal information in their system. Therefore ADMIN Recovery are violating the FDCPA and giving false information to the CFPB.

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 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (NM).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have been a victim of identity theft and have filed all the appropriate info with the FTC, IRS, local police dept., etc. A common activity is to have someone I do n't know open a credit/debit account in my name using my SS #. Every company that I have contacted for resolution/cancellation has helped me resolve the fraudulent account, except Simple. I contacted Simple ( XXXX ) on X/XX/2017. They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was " not the one who opened the account. '' They refused to even tell me if the account was active or closed. I have placed security freezes on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have open fraudulent accounts. Identity theft is bad enough, but when companies like Simple refuse to help, it makes it that much worse. All I want is to be sure this account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with Allied Account Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX  creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have fraud alerts on my credit report and have tried to fix this with Equifax directly and with the companies directly. There are several unauthorized inquiries on my credit report and the credit bureau has been no help! I did not authorize these inquiries. 

State employees cred - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX identical ARMs on XXXX adjacent condos. 
Ocwen purchased my ARMs and started adding a {$2000.00} insurance charge onto the Mortgage. Ocwen claims that my mortgage documents allow them do to this. They claim that unless I specifically disclose insurance on the interior of my units, they can insure the interior, and add their expense to my principal. They have refused to provide any signed documents that prove my responsibility to make a disclosure. They have already lost a {>= $1,000,000} class action settlement on this issue - they were charging people inflated amounts for insurance and pocketing kickbacks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep recieving calls to collect a debt for someone that use to have this telephone number. I am not that person and do not know them yet I keep getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Received a credit report from Experian showing " XXXX SERIOUS DELINQUENCY '' & " XXXX LEVEL OF DELINQUENCY ON ACCOUNTS '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Experian credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.

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