milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2016 I ordered a trial size of XXXX dietary supplement from what I thought was a XXXX web site, which was actually an impostor. I paid {$4.00} for that transaction by Citi credit card on this fraudulent site. At XXXX I received an email confirmation from XXXX for this single transaction. 
The Seller, which was identified by Citi as XXXX : XXXX, represented by XXXX XXXX and XXXX XXXX XXXX were running this fraudulent web site with fake testimonials, where I bought from, which was designed to imitate official looking XXXX website complete with XXXX logo and layout XXXX The web site is no longer operational. But judging from the other customer reports on XXXX this scam might be run by multiple sellers on multiple short living web sites. 
XXXX provided a description of this scam on their web page XXXX On XXXX/XXXX/2016 the Seller made an additional charge of {$89.00} using the same credit card I supplied with the first transaction, now for subscription, which I did n't authorize and disputed with Citi. 
The Seller responded to the Citi request providing information from their real web site XXXX, claiming that I ordered subscription from that site, which I did n't. Citi declined to issue a credit for this fraudulent transaction.

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 10/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I have an account with Capital One and we receive a bill in the mail every month. There were a couple of months where we did n't receive a bill and made our payment late. Capital One reported our account 30 days past due on several occasions. I have sent them a couple of letters pursuant to the Fair Credit Billing Act to verify that my payment posted past the 30 day mark and I have not heard anything back. The only response we received was a letter requesting the account number which was already provided. We have simply asked for these 30 day late payment remarks to be removed so that we can move forward on purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National Credit Systems has reported information to the credit bureaus that is inaccurate based upon an alleged debt with XXXX XXXX XXXX, which I do not owe. The apartment complex had claimed that I owed for damages disclosed on the move in checklist, as well as a host of other fees, which I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled an account with XXXX in 2015. I have disputed it 3 times with Experian and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: You have wrong name, XXXX XXXX XXXX which it 's not me, you have wrong address, you have wrong employment info, have never worked for XXXX.My name is XXXX XXXX not 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 non-monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY  XXXX  CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM EQUIFAX AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. This is actually my fourth OR fifth dispute about this. I seriously want CFPB to look at the way Transunion/XXXX XXXX is handling my credit file. THEY ARE MISHANDLING IT. I called transunion yesterday and had to start ANOTHER DISPUTE FOR THIS XXXX wound up speaking to an English Speaking Rep named XXXX file number with Transunion is # XXXX. She told me that XXXX XXXX is " UPDATING BITS AND PIECES OF INFORMATION ABOUT ME THATS WHY IT STILL ON TRANSUNIONS REPORT. '' I asked " what bits and pieces of information? '' She said LIKE YOUR NAME, ADDRESS PHONENUMBER OR BALANCE. '' Well THAT DOESNT PROVE ANYTHING. I SAID IN MY LAST 4 DISPUTES/COMPLAINTS THAT I WANTED PROOF THAT THE ACCOUNT BELONGED TO ME. PROOF MEANING A COPY OF THE PROMISSARY NOTES/ORIGINAL INSTRUMENT WITH MY NAME ATTACHED I NEVER APPLIED FOR ANY OF THESE LOANS IN MY LIFE. THEY ARE NOT MINE. IF WE GO TO COURT THE JUDGE IS GON NA WANT TO SEE IT OR IM SURE HE WILL DISMISS THE CASE. XXXX AND XXXX BOTH REMOVED ALL 3 XXXX XXXX XXXX XXXX ACCOUNTS XXXX, XXXX & XXXX BC APPARENTLY XXXX XXXX COULD NOT PROVIDE THEM WITH DOCUMENTATION PROVING IT WAS MY ACCOUNT LIKE I ASKED. I THINK TRANSUNION IS MISHANDLING MY FILE AND PUTTING ME AT RISK. THEY ARE VIOLATING MY RIGHTS WHY IS THIS MY FOURTH COMPLAINT???? THIS HAS TAKEN WELL OVER 60 DAYS FROM THE INITIAL COMPLAINT FILED BACK IN XXXX. THEY 'RE GOING TO TRY AND COME BACK AND SAY " THE INFORMATION IS UPDATED '' AGAIN I DONT CARE WHAT THEY UPDATE I CAN CREATE AN ACCOUNT AGAINST SOMEONE RIGHT NOW AND SWEAR THEY OWE ME X AMOUNT OF DOLLARS AND SEND IT TO TRANSUNION AND THEY ARE GOING TO PUT THAT ON THAT PERSON 'S CREDIT FILE AND HERE IT IS THIS PERSON DOESNT OWE ME ANYTHING. I DONT HAVE NOTHING SHOWING THEY DO. NO DOCUMENTATION WITH THE PERSON 'S SIGNATURE STATING THEY APPLIED FOR MY SERVICES OR ANYTHING. I URGE CFPB TO LOOK INTO THE WAY THEY ARE HANDLING MY CREDIT FILE. IMPROPER USE. THIS IS MY LAST COMPLAINT NEXT TIME IM GOING OVER CFPB 'S HEAD.

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 03-10-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have a collection from XXXX in the amount of {$580.00} on my equifax credit report. I disputed thaat item with XXXX who in turn were unable to validate. Subsequently they sent me a letter stating the account had been closed and the would delete from all XXXX bureaus. The item has been deleted from XXXX and XXXX but is still showing on equifax. My letter dated XX/XX/2017 siad all further questions should be directed to the bureaus. So i called equifax and they instructed me to call the creitor back. When i tried to call the creditor i cant get through because as soon as i enter the account number the recording says the account is closed and the call disconnects. So i called equifax again. Equifax tells me theres nothing they can do aand they do not have contact informaation for the creditor. I offerred to send the letter i have from credit protection to equifax. They told me that would do no good. How can they not delete this item when theres no way to validate the debt? And i have a letter stating the order was issued to delete and the other XXXX agencies have already deleted the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary information.

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 03/19/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Dear Office of the Comptroller of the Currency, I am writing to you because the Office of the Attorney General recommended your assistance to my case. 

My name is XXXX and I am seeking legal advice. I was recently scammed by an employer online through XXXX who exploited me using fake cashier 's checks. He asked me to deposit the cashier 's checks and then wait until the funds became available. The funds became available the following day. He asked me to take the funds out of my account and deposit them into another account as a task under his employment. The tasks were to send money to an employee at a foster care home so that the employee could buy toys for the foster children. 

A few days later, I noticed that my bank account was at a negative balance. I went to my bank, Wells Fargo, to figure out what was happening with my account. The employees at Wells Fargo told me that the cashier 's check had been put on hold and eventually returned as a stop payment. This was the point in which I had realized that I had been scammed. I had no idea that the banks could authorize a cashier 's check and then have it be returned. Since the money from the cashier 's check had already been taken out, Wells Fargo proceeded to take the money that was returned from the check out of my account, leaving my account at a negative balance. 

I have already filed an ICC report through the FBI, but I have not heard from them since I filed the complaint on XXXX, 2017. I have insufficient information on the employer that scammed me, but I did give the FBI information on the name, account number and routing number of the person 's Wells Fargo account that I had deposited the cash into. I believe I have given the FBI enough information to at least track down an accomplice to the scammer. 

I am currently waiting for a response from the FBI because I do not believe I should be held responsible for the fake cashier 's checks. Wells Fargo never once told me that the checks were fake. They simply told me that the cashier 's check was returned by the maker. I do not understand how the bank can allow fake cashier 's checks through their system. I went to the police before I filed the ICC report and the police told me to not pay the banks back. 

I am seeking legal advice because I am not sure if I have a case here. Wells Fargo were the ones that authorized the check. I had no idea at the time that the check was fake. I am confused as to how Wells Fargo let fake cashier 's checks through their system. I am unwilling to pay Wells Fargo back since they authorized the checks and made the funds available to me. 

Thank you for taking the time to read about my case. I am looking forward to your response.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 2 years I 've been in the worst nightmare of my life with Wells Fargo mortgage. My home caught fire 3 years ago and my insurance company XXXX released a check for {$71000.00} that Wells Fargo has been holding in my restricted escrow. The balance of my loan is {$72000.00}. I have been begging and working with the executive office of Wells Fargo for nearly 2 years to try to get them at 1st use the funds to payoff my mortgage and I was told no got an entire year then they said they could do it, but I would have to give them {$18000.00} out my pocket that I do n't have. They offered me a modification twice and every time I called in to start making trial payments I was told the system offered me a modification by mistake! now I 'm asking them to let me use the funds to rebuild my home and offer me another streamline modification. They keep assigning my case to XXXX and her manager XXXX and they continue to give me wrong information and work against me! I just do n't want to lose my homebut they are determined to keep the money in my escrow and foreclose on my home. Please 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 07/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Incorrect information on your report

Complaint: My issue involves XXXX XXXX XXXX ; I have previously filed a complaint. I have contacted Ocwen Ombudsman but got a generic response. One thing they continue to ignore is the inaccurate information they are now reporting. The term of the loan is reported as 38 years. This is false. The term was 15 years with a balloon note. This is why they were able to take my home. CFPB recently filed a suit against this company : Case No. XXXX CONSUMER FINANCIAL PROTECTION BUREAU, I want to add any information I can to this suit if possible. If not, I want someone to help me determine if anything can be done. I began trying to go through the modification process in XX/XX/XXXX 2010. They refused me at every turn. First, because I was not in default and had not missed 3 payments. When they received that 3rd payment they sent it back and my nightmare began. They told me that NPV was the reason, or the 31 % rule, they lost paperwork, they stalled and  stalled and then finally sent me a 2 year in-house modification agreement because they said the " investor '' would n't allow this loan to qualify for the HAMP. I made every payment on time and applied for another modification which was turned down. They claimed the loan owner would not allow modification and demanded the balloon payment of {$75000.00}. Help me. Please. ________________

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called Navient on several occasions to lower payments based on my income and was pushed off making it so my loans went into a past due state which not only affected my credit score but also my cosigners. They also sky rocketed my interest rate from 7 % to 10 %. They also called me upwards of 4 to 5 times a day even though I expressed to them several times I needed to change my payment or defer it until I could afford what they wanted me to pay and they told me that was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am also extremely disappointed with how Equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account.. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it XXXX including me XXXX following this data breach. Requiring a police report is absurd when they clearly know you were affected. 

Secondly, free " temporary unfreezing '' or a reimbursement program should be set up, seeing as this will now be a burden on me and everyone affected for the rest of my life. 

Third, something should be done to " incentivize '' companies like these to to act appropriately in situations like this.

Company response to consumer: Closed with explanation