milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: So a few years ago, I had XXXX XXXX and I cancelled my account using the my XXXX XXXX. Under the Servicemembers relief act. I handed the representative at XXXX a hard copy of my orders and he said dont worry it will be taken care of so I said thank you have a nice day and did my 12 month XXXX. So now I look on my credit report and it states I owe XXXX {$640.00} when the account was canceled I did not lease a phone, I did not have a outstanding balance. The company EOS CCA to which is collecting this unjust debt. Is refusing to acknowledge my orders and the service members relief act. I showed them my orders and even provided them proof that Im still serving in the United States XXXX. They are rude and refuse take the account off my credit. Ive disputed it and exhausted every other option. Please help me. I have the provided documents that will hopefully help

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (OR).
Issue: Managing the loan or lease

Complaint: I have been dealing with this problem since XXXX XXXX, 2016 and 7 phone calls to correct to no avail. 
I made 3 principle only payments to my car loan from Mercedes Benz Financial Services They acknowledge they have received the payments but will not deduct them from my balance. These payments of XXXX/XXXX/16 {$1000.00}. XXXX/XXXX/16 {$5000.00} XXXX/XXXX/16 {$3800.00} are not reflected on my statement. Beside my XXXX principle only payment was {$1200.00}. 
After calling in 5 times I went down to Mercedes of portland and talked for 1 1/2 hr with their financial manager. She said she has no recourse. She would call and talk with them. 
After waiting 1/2 hr. for a customer rep she told my story and they could n't figure it out. 
They would call back that day, XXXX XXXX. No call. They called me back on XXXX XXXX and assured me they would get back to me the same day. Understood my problem it would be corrected by the end of the day. 
After waiting over 40 days for a simple answer I have no recourse but to contact you. 
My theory is they are using the principle only money in some way to their advantage. 
I am incurring interest on a balance that should have been corrected since XXXX. The account needs to be refigured with interest taken out in the same month to avoid over payment. 
I do not know what more I can do. Mercedes of XXXX has been no help at all. 
They can process a loan and then feel they have no responsibility to their customers to help with a serious problem. 
What the Mercedes Financial is doing of holding onto funds I consider a scam. 
Mercedes of XXXX is now owned by XXXX XXXX XXXX XXXX, XXXX. 
Please help. 
XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 11-02-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Other transaction issues

Complaint: On XXXX XXXX I made a international money transfer to XXXX through Western Union APP Mobile, I tried to send {$300.00} + {$5.00} Fee. For any reason Western Union Cancelled the transaction. But on XXXX XXXX Western Union took the funds from my bank account, but the money transfer was still cancelled. I called them several times and they told me I have to wait 7 days to see reflected the funds on my account.After 7 business days the money never was refunded, when I called them again they said that Western Union never took the money from the account. I started a claim with my bank ( XXXX XXXX XXXX ) the bank deposited temporarily the funds while start a dispute with Western Union trying to recover the funds. 
When XXXX could not recover the funds they took back the temporary funds, and that created a overdraft on my account. I have been in constantly communication with Western Union trying to clarify this situation but they just tell me that the bank has already give me the money back. They asked me to send them my bank statements, I did it 3 times and still I do n't have any positive answer from them. 
I just need to Western Union return me my {$300.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (AZ).
Issue: Problems when you are unable to pay

Complaint: the legal dept at lobell is rude the talk over you when asked for certain information and try to work with them they wont they tack on all sorts of interest and fees and my auto loan is charged off they threaten law suits originally my engine went out i was having a hard time as my husband lost his job and i was pregnant i asked for them to put XXXX payments to the rear to allow me to get the car fixed the lady asked for proof so i had my mechanic at the shop fax her proof that the engine needed to be repaired next thing i knew my mechanic called and advised they were there to pick up the car and was trying to pay him i called the lady and she advised i could get the car back but after paying my past due and all there towing fees not to mention they served my sister with court papers at my mother address she advised the officer i didnt live there but he said to give them to me at the time i wasnt even speaking with my family and wasnt aware of the court docs i advised lobell that how can they judgement be accurate if they didnt even serve me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have had a credit card with macys that was opened up in XX/XX/XXXX. I have had used this card many times and was making my payments on time and been very happy with the everything till I received a statement from them XX/XX/XXXX where it showed on statement that I owe over {$2000.00} to macys. I immediately contacted macys and brought their attention that this charges on statement did not belong to me and I assumed everything was taking care off because they send me a new credit card till I got my statement again from macys that shows a balance of over {$2000.00}. since that time I stopped using my macys card and even in even when I was shopping there I start using my visa and master card. I always had a great credit and have no dint in my credit report. Over 5 months ago I decided to get a new phone for myself and I got denied and I was kind of embraced at the same time very angry in what took place. I have a family member which he knows about credit and he told me let 's look at my credit report and I purchased a copy of my credit report and find out that macys has reported my account as charge off. I was so upset we have disputed this account with the credit bureaus and it came back as being updated with same information that my account has been charged off. at this point I need your help to resolve this issue for me. Please help me.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX I received a XXXX from XXXX, reflecting a cancellation of debt. I paid tax to the IRS for the amount owed. As of XX/XX/XXXX XXXX is still reporting this cancelled debt amount on my credit report as a balance amount past due. XXXX insists that in order for them to report a XXXX 'balance owed ' to the credit bureaus, I will need to pay XXXX the entire cancelled amount. This balance should not be reported to the credit bureaus as an amount past due. The account was written off by XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: on XX/XX/XXXX I purchase a home, It had taken me about 3 years to save for the down payment and I was able to put down {$530000.00} on this property. In XX/XX/XXXX when the housing market started to crumble and many home value decline I fell behind on my mortgage. After a long court battle I was offer a modification. I did not realize at the time because it had been six years in court I was financially exhausted and mentally drain that JP Morgan Chase was putting a new mortgage that was more than three times the value of the property. At the time they were doing this, they had receive a $ XXXX TARP Bailout from the US Government, Additionally it was illegal to palace such a modification that was three times the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with U.S. BANCORP (NC).
Issue: Transaction issue

Complaint: Phone call at XXXX EST time from a robocall, telling me that there is a suspected fraud on the credit card account, and that I need to call in immediately. After 10 minutes of voice mail jail with Fidelity / Elan robots, it becomes clear that the " Red Flags '' for fraud include multiple transactions from XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX vendors that we pay dozens of invoices to EACH AND EVERY month ( see attached statement ). 

Specifically, the " fraud alert '' for today 's charges is based on XXXX transactions in a single day. Except that for each of the last 12 months, there have been DOZENS of days where we make XXXX or more purchases from the same " Red Flag '' / suspicious vendors. Why is this suspicious? 
Why are these " Red Flag '' tests so primitive? Why are calls not made during business hours?

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX  and  Transunion  are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,   XXXX   AMOUNT {$1900.00} PLAINTIFF  XXXX  ACCOUNT HOLDER Individual COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,  XXXX  AMOUNT {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Credit decision / Underwriting

Complaint: I am trying to purchase a home in XXXX MN. The lender approved us for a loan. We have done all of the standard things to get ready to close including scheduling XXXX closing dates that have been cancelled because the mortgage company will not give us a clear to close. When we get real close to the closing date the lender needs more unneccesary paperwork, ie: another paytub or another printout of account details from a stock. The sellers (and us the buyers) are becoming anxious about the transaction and I fear they will move on to the next offer even though we have done all we can from a buyers perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I met all of the requirements for a {$200.00} bonus from PNC bank and now they are not honoring the offer. The offer stated that the bonus would be paid " within 60 days '' from the date that all of the requirements were met. I have an email from PNC dated XX/XX/XXXX stating that all of the requirements were met. I called them last week and spoke to a banker named XXXX at the branch where I opened my account at XXXX, XXXX, MO XXXX. He told me he needed to contact corporate office and would get back to me. When I spoke with him this morning, he stated that I would not be receiving my bonus at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. 
I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,

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 12-02-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (DC).
Issue: Credit decision / Underwriting

Complaint: I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than {$1000.00} in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of {$790.00} I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint XXXX recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (FL).
Issue: Taking out the loan or lease

Complaint: I leased a Ford vehicle from Ford Motors in XX/XX/XXXX. When my lease expired in XX/XX/XXXX, I had gone over the mileage by about XXXX miles. XXXX ( XXXX ) told me that if I came to their dealership and leased a XXXX ( two hours away from me ), they would do a buyout of the Ford vehicle which would also take care of the extra mileage charge from the Ford. I left the XXXX dealership with a new XXXX XXXX and left the Ford with them. A few months later, I received a statement from Ford but it went to my parents house in another city. They tossed it aside because they knew that I no longer owned a Ford. Finally, after getting a few of these statements, they found that Ford was saying I was delinquent with money owed to them and it was sent to a collections agency. I found out that the money I " owed '' was for going over the mileage with the Ford. I called XXXX while very upset and they assured me that they would take it up with XXXX and that I owed Ford NOTHING because they did a buy out which included that extra mileage. Nowadays, I consistently check my credit score on websites and the derogatory remark from Ford was gone - I thought everything had been taken care of. Today, I tried to get my first time home owner 's mortgage loan and was denied because of a derogatory remark from Ford Motors. This is apparently still on my credit report and I do not owe it. At this point, I do not know what else I can do to have Ford and XXXX correct their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX  conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: My car dealer told me to pay the DMV XXXX, which I did. However, I had already paid and the DMV sent me back the check. Bank of America took it out of my account and then will not give it back, though I 've called six times to have it given back. 

Additionally, I filed a claim with Bank of America due to fraud at a postal center while I sent a sculpture. They charged my card {$110.00} fraudulently after quoting me {$25.00} dollars. Bank of America honored their fraud and gave them the money even though I never allowed it to go through nor did I approve the price. They signed it wihtout my permission!

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 12/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has a new website that requires you to enter your zip code and your full social security number in order to access your account. I have always made my payments online with no problem through their old website. 

I called to complain, and offered to verify by phone, but they said they can not change the software. That is the requirement. They will take payments by phone, for a {$19.00} fee. You can also set up auto pay, once you get the forms, or mail in your payments. Both choices delay my payment. 

I have no access to my account for information, including year end tax info, unless I am willing to share my social security number online for any and all hackers to see. 

I do not understand how Nationstar can get away with this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax states that its mines without showing proof. I told them and wrote several letters to remove it but sometimes they do n't even write back or update my credit

Company response to consumer: Closed with explanation