milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have been harassed for well over a year on a daily basis from some scammers calling to collect on debt we do not owe in XXXX different names at our residence. The scammers use many different telephone numbers to make the calls however they all leave robo calls suggesting we contact them at XXXX & XXXX. We do not have any outstanding debt at all that should be on any debt collectors list. They claim to be " Diversified Consultants '' We have told them to stop calling on many occasions however they are relentless. We do not need to revoke consent because they never had any permission nor valid contracts to enforce in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report has an address i never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I've had an account for over 10 years and have recently started depositing checks directly at a branch via a teller, versus my usual method of depositing via a debit card at an ATM. Deposits via ATM have been credited immediately. However, the deposits made over the past few weeks have, for whatever reason, not been credited for several days, which has resulted in {$440.00} in recent overdraft fees. I called about this and other than offering to refund {$74.00}, the bank refused to refund any more of the fees, even after speaking with a manager ( and despite my lengthy history with them ). I feel this is unjust, as they have total control over MY funds and can siphon as they please, without my knowledge or consent, and I feel that other consumers should be made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was contacted at my work number by XXXX  XXXX at XXXX CST on XX/XX/XXXX at my work telephone number. I notified the person on the phone that she was not allowed to contact me at my work number. I never gave permission or authorization to be contacted at work. I also told her orally that I am not allowed to get these kinds of calls at work. She told me that she tried to reach me and was unsuccessful so she would continue to contact me at work. I repeatedly told her she may not call my work number and she suggested that I put her on hold and go into another room. That is unacceptable and unprofessional. The person never confirmed my identity other than " Is this XXXX? '' I could have been any XXXX. She did not confirm my DOB or any other information before revealing that this was an attempt to collect a debt for past due credit card payments that were 4 payments behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account, where the money sat with no interest earned or, more importantly, applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: For several years Equifax has been reporting inaccurate information on my credit report as it pertains to the XXXX XXXX XXXX in the handling of my student loans, not to mention of reporting the same loans more than once. My student loans are paid in full and is showing as delinquent and has an negative impact on my credit score and has been for years of not being able to obtain anything. In satisfaction for reporting this inaccurate and duplicating nightmare it will only be fair that Equifax delete this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problems when you are unable to pay

Complaint: I have an issue with my XXXX line of credit. I was paying through a joint account that I have with former spouse. We got into it and the Navy Federal account with over the limit. I was in constant contact with Navy Federal, I continued to make payment and the account was finally brought current. Then I called to check the status and was advised it was current but the account was frozen and they are not going to unfreeze it. I was NEVER notified. Had I known this I would have borrowed to bring it current sooner or something and when I call they are rude and unhelpful. Then the tell me that I was notified and I was n't I asked for a supvervisor/manager to listen to every single call and tell me when I was notified and to call me back. I have yet to hear anything aside from reapply. I do n't want to reapply my credit score has tanked because of this, so why would I reapply. Prior to XXXX I aside paid on time. I just want the current XXXX unfrozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER

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 04/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (ME).
Issue: Struggling to pay mortgage

Complaint: I 'm writing on behalf of my  XXXX  brother and his wife who is also  XXXX .   They took out a home equity loan  from TD Bank for {$55000.00} but somehow the bank rep managed to wire an additional $ 40k into their account. They never used the money and at some point the $ 40k was removed from their account, yet TD Bank is insisting and threatening foreclosure, saying their loan was for $ 95k when they only received and used the $ 55k. They were informed the rep was relieved of her position, but would n't release her name, yet still insist on the $ 95k. They have made numerous attempts and threats to foreclose. My   brother recently went into a TD branch and asked them for an extension. He was given a week to get caught up on payment ( by this coming Wednesda y ) or they would send a sheriff to evict them. I wired them the necessary money today but I do n't have the money to hire an attorney and get this mess straightened out. Two  older  XXXX  people with numerous health problems should not be consistently harassed and afraid of being thrown out of their home because of a  major error TD Bank made.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. – waited on phone well over ½ hour I could not get the overseas representative to do anything!  Asked to be transferred to US  waiting and waiting finally hung up.  I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a XXXX percent XXXX Veteran who applied for the student loan forgiveness/discharge program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/discharge was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by Equfax. Based on my understanding, under the Federal Law, a veteran who seeks federal student loan forgiveness if they receive a XXXX % XXXX rating by the Department of Veterans Affairs should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Problem : OCWEN has not recorded my loan modification agreement which I signed on XXXX/XXXX/2015. 

XXXX Description of what happened XXXX I have been working on loan modification with OCWEN since the beginning of this year. Finally I was able to get loan modification agreement in XX/XX/XXXX, and signed & notarized on XXXX/XXXX/2015. It was received & signed by OCWEN 's Authorized Officer on XXXX/XXXX/2015. 

It 's been more than 3 months and OCWEN Legal Department tells me that it takes 3-4 months to record the document in California, so I have not received a copy of signed & recorded loan modification agreement. 

I live in California, and I do n't think it takes 3-4 months to record real estate loan agreement in California. 

In the meantime, I have already been making the following loan payments as per the new loan modification agreement : Trial payment on XXXX/XXXX/2015, Monthly payments on XXXX/XXXX/2015 & XXXX/XXXX/2015. 

Please help to expedite this case.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my 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 explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.

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 Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a complaint to Experian, XXXX and XXXX. about some errors that I found while looking over my credit report. For some reason Experian failed to investigate my disputes. I sent another letter out and got no response. Im not sure how Experian comes up with this FRAUD DISPUTE suspicion. Experian and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

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 07/20/2017 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: Credit inquiries on your report that you don't recognize

Complaint: Inquiries were removed due to disputing them and then put back on my report without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Using a debit or ATM card

Complaint: Dear CFTC : please open an official inquiry on Wells Fargo. I am also filing a complaint in the CFTC portal and a complaint with the Federal Reserve. Their mistake and gross negligence has cost me time, denied me access to my money without any cause, and cost me money ( both {$40.00} out of pocket and an estimated lost time of {$600.00} and rising - with each communication ). 


As background : Wells Fargo offered to replace my card with one it claimed was more secure. I declined and explicitly asked them to leave the card and account as they were - working and good through XX/XX/2017. Instead, contrary to my written request ( see below XXXX, Wells Fargo closed the card. They attempted to force me to receive and to use another card - which would cost me money, time and inconvenience to do so. Rather than admit the mistake and correct it - by returing the card and accounts to their original, Wells Fargo seeks to further inconvenience me and to waste my time. That result is unacceptable. Is is lawful? 

I want Wells Fargo to re-establish the original and functioning card, which is in my possession now. Also, I want Wells Fargo to reimburse me the {$40.00} of additional car rental cost I incurred because Wells Fargo provided a temporary card - which does not have my name on it. Car rental companies require the name. Otherwise an another driver must be used - which costs $ XXXX+ each day. I just did a XXXX day rental - which is the {$40.00}. 

In addition to this complaint, I will share the facts of this situation with at least XXXX additional advisor ( either regulator or social media ) in an attempt to expose Wells Fargo 's incompetence or potential lawlessness. Perhaps it 's just poor client service, because apparently they do not read what is written, that merits some financial penalty. 

Please investigate and advise. I will follow-up this email offline. 

Best regards, XXXX XXXX. 
Email : XXXXXXXXXXXXTel. : XXXX [ I prefer written communications so that there is a record, as the Wells Fargo evidence shows below ) NEXT MESSAGE : -- -- -- -- -- -- -- -- -Team Wells Fargo. Please retain the current Card ( do not open the one that was mailed ). I will arrange to pick-up the new card at a local branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Problems caused by my funds being low

Complaint: I have been charged {$61.00} in overdraft fees for a {$6.00} transaction that occurred while my account balance was {$25.00}. I transferred the funds into my account and waited for the website to indicate the funds were available before I made the {$6.00} transaction. The website did not indicate the funds were pending but that they were currently available. Furthermore, I specifically requested at the time I opened the account that any transactions not covered by available funds be denied. I was assured by the bank representative this would be the case. I feel I have been mislead and literally robbed of my hard-earned money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.

Company response to consumer: Closed with explanation