milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2016 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.

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 04-09-2018 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (KS).
Issue: Struggling to pay your loan

Complaint: Contacted nearly everyday including my references. Not completely sure how to solve this when unable to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX Bank when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX. And XXXX has never been late

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXXRemoval DateXX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a XXXX credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXX I ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted XXXX NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, XXXX continues to show this every month on my credit report statement and this is not the true reflection of my account at present. XXXX agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of  this year XXXX continues to report my account status as delinquent 90 days+.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with MST Financial Services, L.L.C. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection agency had reported I owe a debt I wasnt notified I found it on my credit report then them about it and told them it 's not mine and they wo n't remove it I have a right yon dispute before they ruin my credit they never gave me notice to dispute this collection just marked as a collection on my credit report shame! Also they wo n't remove it do n't they need proof or have to prove it?

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 05-09-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Making/receiving payments, sending money

Complaint: My checking account was debited {$1600.00} for a debt I did n't owe nor was I responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Credit card protection / Debt protection

Complaint: I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for Wells Fargo and XXXX XXXX. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history.

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 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Settlement process and costs

Complaint: I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. 
Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that XXXX XXXX has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. 
Capital One is prepared to tell ex-husband that he has a right to rescind my refinancing solely on the basis that he is on title to the financed property, since he is not a party to the mortgage refinancing, and the security interest is not being taken in his principal residence/home. 
Does Capital One have a right to disclose the information? I do not believe so because no security interest is being taken in his principal dwelling when reading the definition of " consumer '' below, i.e., he has no right to rescind. The rules further state that a person can only have XXXX principal dwelling, and ex-husband 's is not the property to be financed. 

2 ( a ) ( 11 ) Consumer1. Scope. Guarantors, endorsers, and sureties are not generally consumers for purposes of the regulation, but they may be entitled to rescind under certain circumstances and they may have certain rights if they are obligated on credit card plans. 
2. Rescission rules. For purposes of rescission under 1026.15 and 1026.23, a consumer includes any natural person whose ownership interest in his or her principal dwelling is subject to the risk of loss. Thus, if a security interest is taken in A 's ownership interest in a house and that house is A 's principal dwelling, A is a consumer for purposes of rescission, even if A is not liable, either primarily or secondarily, on the underlying consumer credit transaction. An ownership interest does not include, for example, leaseholds or inchoate rights, such as dower. 
I look forward to a resolution with Capital One to proceed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with Ocwen Loan Services ; we recently received communication from XXXX that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both Ocwen and another agent that had purchased the account, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XX/XX/XXXX re : Wells Fargo Merchant Busn CHECKING I believe I have been a victim of a predatory practice by Wells Fargo Bank. My branch is in XXXX XXXX, NJ. I had 6 accts with this bank. I am focusing on a business account with linked checking and savings accounts. When I opened this account, I was told the checking account required a minimum balance of {$1500.00} to avoid monthly charges. After 3 months I complained that I had received {$14.00} per month bank charges for 2 months [ XX/XX/XXXX and XX/XX/XXXX ] and was given the explanation that my account actually required a {$7500.00} minimum balance. The 2 months of charges were reversed with an agreement to change the account to one requiring a {$500.00} minimum balance. <P/>However, despite reversing the two $ XXXX/month bank charges on XX/XX/XXXX, the bank deducted an additional $ XXXX/month bank charge only 8 days later. The bank continued deducting $ XXXX/month bank  charge for the 6 additional months, for total of 7 months charges of {$98.00} - which have not been reversed. When I called my bank officer, I was told I had to come into the bank to make the change to the one requiring a {$500.00} minimum balance something I had assumed had already been done by telephone. <P/>With this explanation, I did come into the bank and was told the Wells Fargo computer program would only allow 3 of the 7 months ' charges reversed. [ Limiting the bank charge reversal to 3 months is entirely arbitrary by Wells Fargo. ] Furthermore, I have not had even the promised 3 of 7 months ' charges reversed. I have closed 2 other linked accounts and expect to close all of my accounts with this bank. <P/>I am taking my branch manager at her word. She assures me that her bank officer did tell me that I had to come in to the bank to change the account to one requiring a {$500.00} minimum balance. although I do not recall the information that I was to come into the bank to make the change - which she said I was initially given this instruction in XX/XX/XXXX. I view both the branch manager and the bank officer as sincere although I do not recall this instruction in XX/XX/XXXX. <P/>However, my complaint is with Wells Fargos corporate culture. My branch manager explained that the banks program does not allow her go back to refund the 7 months charges of {$98.00}. Although I take her at her word, I find this unacceptable. Surely, Wells Fargo would be able to go back several months if a customer owed the bank money. So why does Wells Fargos program deny the customer an analogous cure. I am, therefore, filing a complaint with the Consumer Financial Protection Bureau about Wells Fargos predatory practice not a complaint about my local branch but a complaint with the Wells Fargo corporation

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained a copy of my Experian Report. As Experian is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by XXXX XXXX on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company agreed to removed debt from XXXX and XXXX report on XX/XX/XXXX and XX/XX/2016. No longer responsible for debt agreed to remove

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid as agreed and was never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT EXPERIAN 'S SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND EXPERIAN 'S USUALLY ARE BROKEN

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 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Online identity verification questions ask nonsense questions. Every year when I try to get my free credit report from XXXX, XXXX, and TransUnion, I 'm never able to get all XXXX reports. Every year at least XXXX of the XXXX asks, " In what state was your social security number issued? '' and it offers me multiple choice answers, including my state of residency, the state of Virginia, another state, and " none of the above. '' The entire question is nonsensical, because all any person can possibly know is in which state they applied for the social security number ; they can not possibly know in which state the social security number was eventually issued. This is particularly true in the case of anyone who has immigrated to America and has become a U.S. citizen, whose social security number was applied for from the national government and could have been issued, literally, from almost any state. This question is impossible to answer correctly. By asking this unanswerable question, the credit reporting agency has made it impossible to obtain my XXXX credit report online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX, OH " The XXXX Bankruptcy XXXX does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the XXXX Bankruptcy XXXX ) to get required verification and validation. I have again attached the letter FROM the XXXX Bankruptcy XXXX showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter. 

TransUnion also failed to respond to the CFPB 's final dispute of their response and nothing was done about it.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Why are consumers having to pay for protection services for this breach of Equifax? According to the attached article, it is $ XXXX per credit bureau : XXXX freezes, which remain in effect as long as a consumer wants, are n't free, however. Each state has its own sign-up procedures and fees. Freezing one 's credit is n't expensive. They cost anywhere from {$5.00} to {$10.00} per credit bureau. 

Check out this article from XXXX XXXX : How to defend yourself against identity theft after the Equifax data breach https : XXXX This is egregious and not fair. Equifax should bear the cost of implementing a freeze, as well as notification all impacted consumers. 

Please look into this matter and use whatever powers for your position to address this travesty. 

Thank you for your assistance.

Company response to consumer: Closed with explanation