milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have reported American Express several timeshere. This time I am upset because I have askedthem to cease and desist and three days laterI was sent another threatening email. Also thecyber fraud issues have been going on sinceDecember 2013, which is way longer than 30 days. 
I have told them I feel threatened and asked forproof of investigation and this is finally supposedto be in their fraud department, but they still tryto collect what we allege we do not owe. They saytheir attorney investigated this, but if this is true, then why have we received absolutely no proofof the line item charges we ca n't find that areset forth in the totals they say we owe? This isusing the reporting threat to extort money from usthey refuse to show we owe. They have also notpaid people we authorized to pay, and for which wemade payment. XXXX of these is XXXX XXXX, and there appears to be more of thiswith other companies, which we are investigating, and these things are new cyber fraud issues. Sowhy is n't American Express really investigating, and if they finally are through their fraud departmentthen why are they harassing us withconstant emails and threats to report us to thecredit agencies. Enough is enough! We ca n't be theonly ones to whom this is happening. All we want to do is pay our bill, but only as to the actualcharges we authorized and/or also that we can seein black and white. This is all we ask. Do n't payunauthorized charges. Show us in black and whiteand line by line ( correctly ) how you came up withyour final balance. We pay all new charges in fulleach month, so interest charges do not apply to thisissue. So where are the line item charges wecannot see?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Credit card with citibank was issued without my application. Kept card. Have had multiple issues with unauthorized transactions since getting the card. card replaced multiple times. Credit card with citibank has had multiple instances of fraud on the account. I can longer access the account online. An XXXX call center staff member, whom I was directed to contact, could not access my account. Almost all of the activity on the card is fraudulent and I want the account closed right away.

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 05-07-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a very difficult time with Ditech. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ditech always seemed to lose my paper work, which I constantly had to re fax. The assigned rep never tried to help me or offer me a modification. She pushed me towards a payment plan or settlement with the back payments and then Ditech back doored me with a sale date. This poor servicing has caused me to file a bankruptcy. Ditech never told me I could not make partial payments while in foreclosure. They completely mislead me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bliksum, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They send multiple emails a day with different information even after i contact them and tell them i will get back to them at work. Contacted me at my place of work even after i asked them not to, and on one instance even refused to let me get off the phone, instead asking me " what kind of person i was, '' to ignore a debt. I did not ignore the debt, i asked them to contact me at a later time and that i was working. THey were persistent and rude. Now, they still call me multiple times a day. I 've explained the situation and that i am trying to pay them, to no avail. They still call multiple times a day and send conflicting email messages. It is disconcerting and makes me not trust them.They 're collection practices constitue harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do not even remember this creditor and how it got on my credit reports. It may just be a financing company of which was applied and never got removed off my credit. I hope this gets resolved. 


There Contact Info : XXXX XXXX, CA 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 10/19/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX XXXX XXXX XXXX disingenuously reneged on our H.A.M.P. modification approval by breaching contract after in good faith successfully completing our trial payment period and then subsequently ignored our right to appeal filed on XX/XX/XXXX for which we request a notice of error and information pursuant to RESPA regulations sent to Ocwen. Their only excuse has been not having received the signed corrected modification agreement which we never received and subsequently requested repeatedly directly and thru our attorney but were ignored by stalling obfuscating contradicting reasons as confirmed on attached email history since their interest is not to complete the modification by due process as required but illegally pursue the foreclosure on our homestead of 38 years thru their mortgage servicing misconduct for which they have been sued by our Florida Attorney General for mishandling of loan modifications on multiple occasions over the past 4 years.I respectfully request that you assure Ocwen complies with their binding legal commitment to finalize my H.A.M.P. modification and not have them breach their obligation by enforcing due process thru our consumer legal regulations to avoid their continued disingenuous mortgage servicing misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Had a letter in the mail last year to pay my debt for midland credit they gave me  XXXX  options to pay my dept of I choose option  three monthly payments as low as {$50.00} a month and that was going to be for six  months. I did that set everything up automatically. But after that never got any letter from them with any updates or any other information. So I thought that this was going to be clear but now I 'm finding out that it 's hurting my credit and I want to clear this up. Thank you marielle ashby

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Bureau added back on inquiries to my credit profile that were not on there. I had a fraud protection placed on my account and XXXX XXXX said that it was deleted after 90 days where as I initially put in on their for an indefinite period of time in XXXX 2016. I asked them to provide me with the documents that warrant them publishing this information on my credit file and they said they do n't have any documentation. Thus all inquiries below should be removed from credit profile. 
XXXX via XXXX XXXX XXXX XXXX XXXX via 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 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i received a response previously from this company advising that payment was made and this account is being updated but I have never made a payment and i sent the documents previously where this debt is apart of identity theft but this company refuses to delete this erroneous information from my credit file i have police report and affidavit reflecting that my identity was stolen this company refuses to recognize the uploads of the affidavit and police report from the cfpb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resolve Partners, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. 

Please find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. 

Please note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. 

Please note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. 

If you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. 

Please intercede in my behalf to assist me in achieving a fair solution in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NV).
Issue: Problems when you are unable to pay

Complaint: I have reviewd my credit report and I see a auto loan account that I have been disputing for a while now, I have not received any respond from requesting validation and verification of the account under law section of the credit fair act they have not comply with requests

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 07/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Transaction issue

Complaint: When reserving XXXX rooms at the XXXX XXXX XXXX hotel, a XXXX partner property, the credit card in my XXXX profile was charged the full price of the first night 's stay for each room ( {$450.00} x XXXX ). At no time during the reservation process was I notified that the credit card in my XXXX profile would be charged and at no time did I give consent for my credit card to be charged. Charging my credit card without my consent is a deceptive business practice and it violates the card organization rules. To make matters worse, there are XXXX credit cards in my XXXX profile, a corporate card and a personal card. The reservations were for personal travel, yet the XXXX charged the corporate card in my XXXX profile, which has caused hours of lost time to explain and resolve within my corporate expenses reimbursement system.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft, on XX/XX/XXXXI mailed an identity theft affidavit along with police report and supporting documents showing that accounts on TransUnion credit report are fraudulent and not associated with me. I also attached a letter outlining each account and requesting that they be blocked under FCRA 605 ( b ). On XX/XX/XXXX I contacted Transunion and spoke to a supervisor, I was informed that my identity theft affidavit and police reports were received by TransUnion onXX/XX/XXXX, however instead of blocking these accounts TransUnion sent each account for verification with the furnishers. I explained that I am a victim of identity theft and that I 'm not asking for verification of these accounts but requesting that they be blocked and removed due to identity theft ; I also stated that under FCRA 605 ( b ) the furnisher has nothing to do with identity theft exclusion and that they are willfully ignoring federal law. The TransUnion representative responded with " I do n't care this is how we do things ''. TransUnion is negligently reporting fraudulent accounts on my credit report and completely ignoring the fact that I have been affected by identity theft.

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 04/14/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a TD Bank representative to discuss my complaint and that ssme TD Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my TD Bank checking account due to me not having access to a TD Bank ATM because the TD Bank branch door would n't open when I inserted my TD Bank Debit Card. I never heard back from that TD Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other TD Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another TD Bank ATM to become available so once again because of a situation that was totally out of my control and totally also TD Bank 's fault that I 'm once again receiving several more unfair overdraft fees from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My house is currently being foreclosed on and I 'm being sued by Arvest Bank. All payments and conditions of my mortgage are current and kept up to date ( i.e. mortgage payments, insurance, hazardous insurance, state and locale tax 's ). I have all my records concerning the payments, tax 's, and insurance ( which are all current ). I have been in contact with Arvest 's attorney but to no avail. Arvest insists I 've made no payment for the last 7 months. Although, I have sent Arvest 's attorney a copy of my cancelled checks but Arvest continues to insist no payment have been made but they still continue to accept my monthly payments. My credit has been devastated by all of Arvest Bank allegations ( from high XXXX XXXX 's to low XXXX 's ). I am XXXX, living on a fixed income and currently attempting to find the money to get an attorney but it 's all so dishonest!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I contacted COAF directly to dispute the following unauthorized inquiries : Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX I was advised that since I did n't have an account with them they were unable to dispute the inquiries at hand. I also contacted XXXX who told me that without written information from Capital One Auto Finance that they could n't remove the inquiries either.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: After repeatedly calling Citi for 6 months trying to resolve my concerns, I submitted a complaint against Citibank in XXXX ( CFPB Case # XXXX ). In response to that complaint, XXXX XXXX, a Client Liason from the Executive Response Unit responded stating Citi would honor my request for XXXX Thank You points and that those points would be deposited in my account in 30 days. I had been paying a $ 30 monthly fee on my account waiting for Citi to award the points. I finally closed my account on XXXX XXXX in order to avoid any more fees. On XXXX XXXX, 2016, I called Citi to inquire about the points. I spoke with XXXX, a customer service agent and XXXX, a supervisor. XXXX informed me that there was no record of Citi 's letter stating they would give me the points and even going so far as to insinuate that I had created the letter myself in order to defraud Citi. A copy of the letter is posted on the CFPB website under my Case #. I have literally spent hours on the phone trying to take care of this matter myself. I am frustrated that it takes hours and intervention by the CFPB to get Citi to make good on their promises.

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