milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been dealing with fraudulent late charges and fraudulent charges from Kohl 's department store since XX/XX/XXXX. They have admitted their wrongdoing in the form of repayment checks ( amount usually only a little over 10 dollars. ) My issue is tha5t i had to close my account the first time this happened. and it took me over 4 months of being utterly harassed by Kohl 's for debts i did n't owe. It would be a lot easier if i could just mail someone at CFPB all of the documents. i saved every single last bill. I have been a loyal customer of Kohl 's for almost a decade, and i have ALWAYS paid my bills in full, every time. There was a huge mix up where Kohl 's tried to place a fraudulent online charge on my account back in XX/XX/XXXX. This charge led to other late charges being put on my account. when it came try to get this issue rectified, Kohl 's took over 4 months to get me to a supervisor. As soon as i spoke with XXXX XXXX ( Kohl 's debt center supervisor ) ( phone number- XXXX ) he admitted the wrongdoing and i was reimbursed for the wrongful charges and my account was closed. i decided to open another account in XX/XX/XXXX because, well, i loved shopping at Kohl 's because they have a great selection. However, after i made a purchase in XX/XX/XXXX, and then paid it off as soon as that bill came, i started getting the harassing phone calls again stating that i owed late fees and such. I have spoken over 20 times with the supervisor XXXX, to which he has admitted the wrongdoing on Kohl 's part. However, these fraudulent late charges that they are placing on people 's accounts is FRAUD! Starting in XX/XX/XXXX, i started getting late charges on my monthly statements again, even though i Had n't Stepped foot inside of a Kohl 's since XX/XX/XXXX. Just this month, i have received : two separate account statements, both claiming I owe a different amounts, another bill statement claiming i owed XXXX, and a reimbursement check for XXXX. however, Kohl 's still calls me 6-8 times a day demanding i pay my debt. a debt that according to my billing statement is non-existent. i have left several message for teh supervisors regarding the issues that started again in XX/XX/XXXX of this year, but have n't heard back yet. so filing a complaint with CFPB is my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Filed disputes with XXXX and equifax in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: Chase refuses to go through with a chargeback for an unauthorized amount. I had agreed to a purchase of {$24.00}, and was charged {$170.00} on XXXX/XXXX/15. I initiated a chargeback with chase to attempt to recover the funds from this transaction. Chase did not ever send me a written reply about the status of my case. I requested updates on the status in writing every 2 weeks, with verified delivery. Chase eventually told me that " too much time has passed, and we are unable to do anything about this dispute. '' I told them that this was not fair because I was constantly requesting updates, and the original dispute was within the 60 day window allowed. They claimed that they sent me mail requesting information from me, and I never replied. When I told the representative that the only reply I had gotten from XXXX was that " they were investigating and would let me know if they needed further information '' and that I never actually received a request for said information, he said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't. 
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}. 
I have no idea how this happen or how i owned that amount to anyone!!!

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 12-04-2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Problems when you are unable to pay

Complaint: I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. 
I want to report this company as a total fraud.

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 09-06-2016 about Consumer Loan (Vehicle loan) with Farrell Holdings, LLC (UT).
Issue: Problems when you are unable to pay

Complaint: I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Theyre not allowing me to connect a third party service assisting in reducing debt.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Other mortgage) with AMERISAVE MORTGAGE CORPORATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried for at least 6 months to get items that are incorrect and or not mine removed and Experian/XXXX seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.

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 10/28/2015 about Debt collection (Medical) with Client Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I received a letter from Wakefield & Assoc stating that they were representing my dermatologist in collecting an unpaid debt. The amount was for {$97.00}. I contacted my doctors office and they have no record of any unpaid bills or any collections actions against my account with them. 

From the Dr Office : Please call me at XXXX or on my cell phone, XXXX so we can review this together. I am not showing you have an outstanding balance or any notations of collections activity on youe account. Please send a copy of the collections letter you received so I can follow up on this as soon as possible. 

Thanks, XXXX XXXX, XXXX XXXX XXXX I have requested in writing via fax for them to prove this is a legitimate debt. They have not provided any such proof.

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 10/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing this complaint on behalf of my client XXXX XXXX XXXX. On or around XXXX XXXX, 2013, I paid {$610000.00} to satisfy my client 's loan in a short sale. The funds were sent to Ocwen via a wire transfer on the same day. To date a mortgage satisfaction has not been recorded against the property and Ocwen continues to report the loan as being late. New York law requires that a satisfaction be submitted for recording within 30 days of the receipt of the payment. 

Upon discovering that this mortgage remained open, I contacted Ocwen. I spoke with a XXXX who advised that the satisfaction was sent to XXXX XXXX XXXX Florida for recording. Upon expressing my dismay upon learning that the document for a New York property was incorrectly sent to a Florida XXXX, I was transferred to XXXX ( id number XXXX ) who stated that he was an escalation manager. XXXX then proceeded to tell me that the document was indeed sent to the correct XXXX in New York for recording. 

Upon hearing this I requested a copy of the document and was told that it would take 24-48 business hours to send me a copy of the Satisfaction via email. This has not been the first time that Ocwen has failed to properly record and to properly report on a borrowers credit report. 

My client has been irreparable damaged as a result of their sloppy business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Listed below under XXXX, highlighted there is XXXX account that has been removed- but that is that is still being reported incorrectly as of XXXX XXXX 2016 by Transunion . 
I have disputed this and they have yet to resolve.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: As you know, Equifax had a major data breach impacting up to 143M consumers. All information needed to ruin someone 's life was stolen. As soon as I learned about this, I took steps to protect myself though Equifax did not tell the public until months after the breach. I went to each of the three major agencies and placed a freeze on my credit and on my husbands ( with his permission ). I had to pay {$7.00} for each freeze resulting in a cost of {$45.00} ( two charges at each bureau ). I do n't feel I should have to pay this since I only did it because of the less than acceptable security Equifax had on their system. Not only that, but I will have to pay each time I need to apply for credit to have the freeze temporarily removed. I did not address this with Equifax because they have no way for a consumer to contact them except by mail. If they do have a way to contact them other than mail, it was not easy to find on their website. I would have to write letters, which is yet another inconvenience for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service ((CD) Certificate of deposit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX 2016, I started the application process for a secured credit card In the amount of {$250.00} with USAA bank. On XXXX XXXX I completed the application and linked my checking account and routing number to fund the CD, with is used to secure the card. On XXXX XXXX I noticed on the USAA mobile app that the funds were pending to be withdrawn from my checking account twice instead of once. I elected to leave the funds in my checking account for withdrawal after receiving assurance that the duplicate charge would be reversed and the funds returned to me in a couple of business days in a worse case scenario. After approximately 7 business days, I started inquiring into the status of my refund. I was initially told that it takes as many as 14 business days to close out the CD and issue a refund check. This time frame obviously differed from the initially time of 2 business days ( max ) I was quoted before. I started calling after this on average 3 times per week until XXXX XXXX. My responses to these numerous calls ranged from, the check was mailed on XXXX XXXX to the check was mailed on XXXX XXXX. I did n't get the same response XXXX consecutive calls. On XX/XX/XXXX I was notified that not only was a check not mailed, but one was never generated. During this entire process I was either lied to by USAA 's CSR 's, the CSR 's did n't not have access to relevant account holder information, or USAA intentionally withheld the whereabouts of my funds. This whole ordeal has caused things to be paid late, affecting my credit score. I had to alter my life to work around the fact that I was short of money when I should n't have been. As it stands now, I bring home about {$220.00} a week, so this was devastating. I would like at least the offer of some kind of compensation for my trouble what was caused by them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax continuously and willfully is violating the Fair Credit Reporting Act and has caused MAJOR willful financial harm. 
They repeatedly have been notified of an erroneous tax lien reporting on my credit file and they refuse to follow the Fair Credit Reporting Act. All their compliance department and their legal department do is simply use their XXXX system to verify information without actually doing their due diligence and actually investigate. 

Additionally, on XXXX/XXXX/2016, after they knew they were erroneously reporting a tax lien belonging to someone else with the similar name, I still proceeded to file another investigation by phone on XXXX/XXXX/2016. The confirmation number of this transaction is # XXXX. I requested for the erroneous tax lien to be yet again reinvestigated. We are now XXXX XXXX, 2016 and Equifax has YET TO FURNISH RESULTS. They had by law 30 calendar days to furnish results and they have failed and yet the erroneous tax lien still is on my credit report. 
Additionally, so I can consistently and continuously catch Equifax, I purposely filed an ADDITIONAL investigation online on XXXX/XXXX/2016 with confirmation number XXXX, although the first investigation which commenced on XXXX/XXXX/16 was not complete and still showing on my credit report. In this second investigation, they again have passed their allotted time of 30 days to furnish results of the investigation. 

As of XXXX XXXX, 2016, they are over 100 days and counting of my first request for an investigation with still no results and also over 15 days on my 2nd and last request. Again, a complete and deliberate violation of the Fair Credit Reporting Act. 

Additionally, on XXXX XXXX, 2016, I furnish all info to both the XXXX and XXXX State Attorney 's offices so they can conduct their own investigation. On XXXX XXXX, 2016, I hired a private law firm out of XXXX who is giving Equifax 10 additional days before filing both state and a federal suit against them for willful financial harm. 

Sadly, I can not fathom a company like Equifax continuously violating the law. They are getting to the point of being worse than XXXX XXXX and yet they seem to escape any serious consequence. 

I simply do not want yet " ANOTHER INVESTIGATION '' or wait " ANOTHER HOUR '' of their complete lack of responsibility and their complete violation of the Fair Credit Reporting Act. 

They need to now remove and delete this erroneous tax lien immediately without question. If they do not, they will be answering specifically to my attorney and law firm I have hired after they have been sued in both federal and state law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (I do not know) with First National Collection Bureau, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation