milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I found unauthorized charges on my XXXX XXXX $ XXXX *XXXX XXXX XXXX XXXX, CA XXXX XXXX Date XX/XX/2015Transaction Date XX/XX/2015Merchant Category XXXX-ALL OTHER XXXX Method MANUALLY KEYEDRecurring Billing Indicator XXXX tried to call the number on the credit card bill but was unsure if it was really a credit company as it could just be fraud.. they started to ask for more personal information and I refused to give them my ss # or credit card number. 
A search on the internet shows this is not an isolated incident.. lots of people are experiencing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment 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 explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: onXX/XX/XXXXXX/XX/XXXX I bought a XXXX XXXX round-trip airline tickets for myself and XXXX kids totaling {$7300.00} through a traveling agent, XXXX XXXX XXXX on line to XXXX XXXX. 3 days later I noticed the same tickets were reduced by a {$1000.00}. I cancelled the purchase and bought the lesser priced tickets on XX/XX/XXXX ( which I used to travel to XXXX the following year XXXX ) ; Since 3 days have elapsed from the original date of purchase according to their policy, I was denied a refund. However the tickets were valid till the following year (XX/XX/XXXX ) which I used. This amount was charged on my Bank Of America credit card by XXXX XXXX on XX/XX/XXXX. Surprisingly the amount was not charged directly by XXXX ( agent ) which I disputed with the Bank and it was clarified. To my dismay I noticed on the Bank statement 2weeks after my return from vacation on XX/XX/XXXX that the same amount of {$7300.00} has been charged on the card by XXXX. The agent alleged another purchase of 4 tickets to XXXX with the same XXXX XXXX vessel for a departure date listed XX/XX/XXXX and return XX/XX/XXXX. It would be preposterous to go on line to purchase another set of 4 tickets to leave the country with the children in the middle of the school session in Texas when we have just returned. After exhausting my option with the agent 's customer service, I contacted BOA to dispute the charge. I was astonished to know that XXXX  provided the Bank with a forged itinerary that bears the same ticket numbers on the previous cancelled tickets which XXXX XXXX charged. I also observed that the forged itinerary sent to BOA as their prove has no booking reference number or airline record locator which is specific to every ticket purchased which can be trace with the airline. The Bank refused to do a thorough investigation on the dispute despite all the necessary information sent to them and closed the investigation. Furthermore, my XXXX trip account on line shows that the disputed transaction was a " chargeback '' not an actual purchase which I have a documentation of it. I am disappointed that Bank Of America has failed to protect me the consumer, failed to call by phone to verify multiple charges on the card by the agent, has no fraud protection and allowed the XXXX to get away with fraud at my expense. XXXX has intentionally misled Bank Of America in its attempt to retain monies illegally and unethically from 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 02-09-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NH).
Issue: Application, originator, mortgage broker

Complaint: I applied for the harp loan program with PNC bank made all my payments on time then all of a sudden was out program for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: sent letters XXXX and Experian CB and told them that I was under fraud and the Hard inquires on my report were not authorized by me. I sent letters with receipts and they were signed for and with no actions or updates on my credit 30 days waited and no action. so I sent a second letter with no actions done on my credit, so I know rights and the credit laws, by study. 
I need help.

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 03/29/2018 about Debt collection (Other debt) with Penn Credit Corporation (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo has and continues to encumber my property at XXXX XXXX XXXX XXXX RI XXXX with a fraudulent, forged mortgage. The mortgage for {$320000.00}, recorded on the property, on or about XX/XX/2008 is invalid and should be removed from the XXXX RI land evidence records. I would like a full investigation into the matter and to press criminal charges against Wells Fargo.

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 07/21/2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent a letter to Amsher asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16 and it is not XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sequium Asset Solutions, LLC (OH).
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: Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to Sequium Asset Solutions , LLC XXXX XXXX # XXXX XXXX. Having made no attempt to verify the status of the debt with XXXX, Sequium is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from Sequium, I filed a debt dispute with XXXX. Apparently XXXX directed their inquiry to Sequium rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by Sequium. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither Sequium nor XXXX will apparently do so. 

Particulars : XXXX/XXXX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XXXX/XXXX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from Sequium and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XXXX through today. I contacted Sequium to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When Sequium failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX formerly known as Sequium Asset Solutions LLCthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) Sequium Asset Solutions , LLC nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Fact that Wells Fargo Bank thousands of Borrower denials for Mortgage Loan Modifications on otherwise eligible Borrowers is with clear documentation. Class Action Suits are pending. Wells Fargo denial in my case, was because they claimed my income was from Social Security only, ignoring the self-employment that qualified me for the XXXX in the first place. After denial of an Appeal, Wells Fargo Claims, due to a different address on my Tax Returns and fact I live and work out of the XXXX, with utility Bills paid by others, I had no proof I lived in the Home. Final denial was because I resided in the XXXX using it as XXXX, and made transfer property into " Charitable Trust '' thus, I did not pay property Tax, Wells Fargo said Balance on the Loan would be do because I sold the House, which again they were in error, as I retain ownership when XXXX is in that " Charitable Revocable Trust. ". As an ex-employee of Wells Fargo I 'm aware that any government insured loan, this Bank forces recourse option with any loan in default to collect from the government, lies about possibility of approval of a modification, using the Scammer Tactic, I.e., claiming " from initial information on your application '' wait for an underwriter approval prior to making further payments as your modification will be approved, while at the same time processing the XXXX for foreclosure to collect from the government.

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquires were removed and re added without notice or reasoning List all inquiry names and dates

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 04-05-2017 about Debt collection (Credit card) with Lyons, Doughty & Veldhuis, P.C. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an issue concerning whether an account was already paid. I have credit card statements showing that the item was charged to my credit card. The result of that investigation came back stating the charge was verified. I disagree with that result, I have credit card documents backing my position. 



































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Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have lived at the same address for over 20 years and use a XXXX. XXXX to receive mail. Moved to XXXX XXXX XXXX. XXXX XXXX, XXXX and use XXXX. XXXX XXXX ONLY to receive mail. Worded at XXXX XXXX XXXX from XXXX to XXXX, when became 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 non-monetary relief
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consolidated Recovery Group, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote debt validation requests to this company and they refused to send me verification of debt. They have also ignored all of my letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a mattress from  XXXX   XXXX  which was delivered on  XXXX / XXXX /  XXXX  . After taking delivery I noticed that there were stains on the side of the mattress and contacted the company several times by phone. At their request, I emailed them pictures on  two  occasions of the stain. No response was received from  XXXX   XXXX . I disputed the charge with Commenity Bank who I pay to for the mattress. There investigation concluded with  XXXX   XXXX  falsely stating I have never contacted them regarding the stain. All supporting documents are attached and phone records of calls made to the store can be made available as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/XXXX addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/XXXX. 
For the sixth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous five illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: Have been leasing a number of XXXX cars, my last lease that was over in XX/XX/XXXX. There was a disposition fee of {$390.00} that is paid when the lease is over and is usually mailed to address on record. I never received that letter so I can pay the bill, I have always been on time with them including all car payments for years and all disposition fees if applicable. In XX/XX/XXXX, I received a mark on my credit report saying i have a missed payment. I immediately called them and paid, and also tried for them to take it off the credit report as I never received the letter with the final bill, which I would have paid without a problem. This crushed my credit report and it took me over a year to return to normalcy more or less. I tried again get it removed and XXXX XXXX XXXX said they do n't want to do anything. It is still showing up on my report. Please help. I never missed a payment to anyone since I was XXXX years old, so almost 20 years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Payday loan) with Check Security Associates, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has given out my social security number to a third party and also on my voicemail. They have also left voicemail messages with my car information, vin number, and license plate number. To a third party. They have calling myself and my family saying they will repo my car and call my car leasing agency and tell them to repo my car. They calling for the telephone number XXXX. The company is called Warner Asset Location Services. They claim their location is in XXXX but they are location somewhere in the XXXX area.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation