milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Service continues to call trying to collect a debt " allegedly '' owed by someone I do not know. I have repeatedly told the collection company I do not know the person they are looking for for and to remove my phone number from their list. As of today I received another call. BTW ( I have had this phone number for over 19 years ) and I am on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Real Time Resolutions, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/XXXX 2. Account placed in collections to Real Time Resolutions. 
3. Real Time Resolutions submitted inaccurate information to XXXX, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with XXXX to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I am aware of the lawsuit filed against OCWEN in federal court this year. I read a copy of the filed complaint and have experienced just about every issue in the complaint. I have had payment misapplied for years and then I have had to have them reversed while being reported late on payments even though it is OCWEN who applied to payment wrong. What is most concerning is when I request my loan history and those transactions do not appear as if someone has removed them to cover themselves. I have contacted OCWEN several times over the past 5 years to dispute my issues when I have been reported as late on a payment and all that happens is I am spun around in a circle with make believe math to explain how they have come to the conclusion that I owe funds. Some of the late reporting against me has also occurred while I was XXXX as an XXXX XXXX service member and OCWEN was well aware of that fact as I have been an XXXX XXXX service member for over 17 years. Even though I have pointed out that I was XXXX and offered to provide proof the negative reporting remains. This has destroyed my credit rating and as a service member with my particular job it has the potential to impact my lively hood. Last year I over paid into ESCROW by almost {$2000.00} due to changes in my property tax rate. OCWEN issued payment to the state and is now refusing to issue me my refund. I should have been issued my refund in XXXX or XXXX of this year but still have not been given MY MONEY. They are illegally with holding money that does not belong to them and insist they can hold those funds indefinitely. It seem counter intuitive that OCWEN thinks I am late on my mortgage but at the same time would not give me money that I could use to make myself current. When does common sense take effect. I have filed complaints before but I am hoping with current action being taken against OCWEN that something will finally get done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX collections charges listed on my credit reports that does not belong to me. 

- {$340.00} Convergent Outsourcing ( collection company ) collecting on behalf of XXXX XXXX XXXX. 
XXXX form XXXX XXXX Acct # XXXX The person lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, used my personal identity to opened utility account from these XXXX companies. 

I want to dispute these XXXX charges.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I received an email asking me to contact the bank at its XXXX number on XX/XX/2016 It says to have restricted my accounts and if I do n't call within XXXX business days, they will close all my accounts. I called immediately and waited at least XXXX minutes. But no one from Capital One came on to talk to me. I finally gave up. I am afraid that if they close my accounts, all my scheduled payments will be declined and I will suffer a major financial distress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with Eltman Law, P.C. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XX/XX/XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called XXXX and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Medical) with Centron Services (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was told I was on a payment plan, theres about XXXX or XXXX of thiese medical charges., but I have been XXXX all my life, currently pending SSI, alot of these debts are over XXXX years old and I have no income to pay it back starting back passed 2011 which is under law have to be removed from my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I add a difficult time. I was sick with a XXXX XXXX for about 6 months. Because of this, I couldn't pay my bills. I called several to seek. I was not helped. this problem is damaging my life and I impacting my credit eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, my name is XXXX XXXX dob:XXXX SS # XXXX, I have call the credit reporting agency ( equifax ) several times and even sent certified letters to them informing them that I have inaccurate information reporting on my credit report.Everytime I call they always tell me that it 's nothing they can do while rushing me off of the phone, my problem is that I have 6 hard inquiries on my credit report that I was totally unaware of until I pulled my files, im now taking the necessary procedures to getting these unauthorized inquiries removed from my acct, these hard inquiries need to be removed promptly as they are making it hard for me to accuire credit These are the inquiry 's that I would like deleted/removed from my report to show my true credit worthiness, thank you so much INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Problems caused by my funds being low

Complaint: We have been charged over {$2000.00} in bank fees from Wells Fargo Bank due to our business checking account in XXXX, over {$750.00} in XXXX for many instances that are n't making sense to me. An account will show a positive balance and more than needed to make a purchase, the following day will be debited over - $ 1- {$25.00} ad multiple bank fees causing the negative balance. I have called Wells Fargo Bank 800 # several times once I could n't get cooperation from the branch level. I have yet to receive any cooperation at either level and most recently still have n't received any movement forward with a call back from a manager level as I 've requested. 

Also, in XXXX, realizing they opened a checking and savings account without our permission and additional check/debit cards, I placed a complaint with the banking branch manager. The savings account debits resulted in multiple bank fees.

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 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
UPSC tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Debt collection (Medical debt) with I.C. System, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received alerts on my credit report from  all (   XXXX  ) credit bureaus  on   XXXX  /2017.Which h as caused my credit scores with   XXXX   XXXX   and   XXXX    to be affe cted.Prohibiting me from poviding adequate housing for my family, as well as being promoted by my employer.I have no contractual obligation to, or with IC SYSTEMS.I demand that this delinquent debt with IC SYSTEMS be deleted/removed from  all (   XXXX  ) credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: AMEX sent me an offer for a 6.99 % reduced rate on my credit card purchases from XXXX/XXXX/16 to XXXX 2016. I signed up and accepted this but to date, AMEX has not applied this lower rate. I even received an email confirmation but still not receiving this rate. I called and spoke to a rep who did not have a good command of XXXX and she told me I am getting the rate but could not provide and evidence of me receiving this rate. I told her that she was wrong and she told me to write to AMEX. Attached is a copy of my fax correspondence and delivery confirmation Sent : XXXX @ XXXX EST and still not even a response. At this stage, I am due a refund by my calculations of over {$300.00} to date and this will only increase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent XXXX XXXX XXXX XXXX and Experian a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

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 12/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both last year and this year, Equifax refused to generate a credit report online and wanted me to fill out a form and send sensitive information through the mail. Last year, they generated the report online after several days of trying. Since it happened two years in a row, I think this is just a scam to avoid their legal obligation to generate the credit report. 
I want to report Equifax for illegally throwing up a barrier to avoid their legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My XX/XX/XXXX mortgage statements if payment is received after XX/XX/XXXX a XXXX late fee will be charged. my payment was sent by express mail on XX/XX/XXXX and delivery was attempted at XXXX on XX/XX/XXXX the attached document shows. 
my payment was there before the designated day and I was still charged a late charge

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 been for months now trying to get information that is on my experian report removed about a bankruptcy that is reporting. I checked my credit and saw a bankruptcy and requested it be removed due to Experian saying they received the information from XXXX XXXX. I am attaching my XXXX XXXX report and showing no bankruptcy on it. Its against the law to falsely report information and i would like it removed immediately. I am also attaching copies of my report from XXXX  who have deleted the bankruptcy. 

This is stopping me from obtaining credit and a job. please investigate.

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 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account was cleared & verified by XXXX that the charge is an error. XXXX sent them info that the balance has been cleared. They are still in pursuit of money I DO NOT owe!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt on my credit report that is handled by Portfolio Recovery Associates, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Can't stop charges to bank account

Complaint: There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... 
Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 

On XXXX, a payment of {$250.00} is due. 

They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. 

The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. 

Please help this man drowning in debt. 

XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Medical Financial Services, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was billed incorrectly by the hospital. I was told by the hospital that since I was admitted into the hospital for life threating condition that my insurance company would be bill as " in network ''. The hospital coded the bill stating that it was " out of network '', leaving he a large unpaid balance. After fighting with them for over 6 months by insurance agreed to pay the balance and informed me that the bill was taken care of. I have not heard anything nor received any bills from the hospital since. I was notified by XXXX that I had been placed into collections by the hospital for {$120.00} for the XXXX co-pay. My insurance company says that since I was admitted the XXXX co-pay should have been waved. I just spoke to the hospital and was told again, that since I was " out of network '' the co-pay was not waived, but could not explain why ( nor did they deny ) that they never sent me a bill for the {$120.00}. Being placed into collections caused my credit score to drop from XXXX to XXXX. This drop is causing me to withdraw an application at a local bank for a second mortgage on my house because of the negative effect the drop in score is causing to the interest rate the bank can offer. I just paid the {$120.00} to the collection agency ( that is owned by the hospital ), this is a debt that I am certain that I did not owe but restoring my credit score is far more valuable to me than {$120.00}. The inability of the hospital to code their bills correctly has cause not only my credit score to drop by XXXX points but can have long term adverse effect by showing that at one point I was sent to a collection agency for failure to pay a bill. I asked the person at the collection agency if she could note that the collection was entered in error, she replied that she could not, only that it had be satisfied. No one should have the power to damage anyone 's credit history due to their own lack of internal controls and not have the power to remove the credit bureau entry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is from 19 years ago I have written them letters told them repeatedly not to call me they call me daily very rude and abusive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I was set up to complete a mortgage with Quicken Loans INC. the third party appraiser, turned in an appraisal document with words mispelled, missing or incorrect information, and failed to fill out the certification that the individual was physically present at the property. Quicken Loans failed to contact me to get the matter resolved. I as an individual had to gather documents from XXXX, and local tax office to show the invalid information contained within the report. Quicken Loans failed to contact the consumer to update him of the process, the consumer had to reach out to Quicken Loans multiple times, and finally Quicken Loans in an email admitted that the XXXX party appraisal management company found that the comparable properties turned in by the consumer should have been considered. Quicken Loans after nearly a week and a half has failed to resolve the situation. Quicken Loans stated via telephone that the issue was the consumers fault. Quicken Loans has failed to refund any deposit made by the consumer. Quicken Loans has failed to follow any good faith gestures in their short comings.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief