milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2017 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX however XXXX will not remove the collection because they keep telling me the Collection agency needs to tell them the debt was paid to the original creditor. The Collections agency refuses to do so even after I sent XXXX with a copy of the payment to them. XXXX has not given me a receipt they tell me that my money orders are a receipt but No I want a receipt on XXXX letterhead stating amount is paid in full. XXXX told me I am no longer on their do not rent list I do not care, I want my receipt. XXXX or Transworld Systems need to inform XXXX that I DO NOT owe this debt.

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX I became aware of a significant security breach at Equifax. I checked the potential impact that my information was included in the breach at the https : //trustedidpremier.com/eligibility/eligibility.html site. It reported " Based on the information provided, we believe that your personal information may have been impacted by this incident. ". The site offered me enrollment in the TrustedID Premier credit monitoring service. I clicked the enroll button and was informed I can not enroll until XXXX/XXXX/XXXX. Due to this, I was forced to apply for a 90-day fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a house on XX/XX/2015 of this year. The mortgage was handled through XXXX XXXX XXXX. The Servicer at the time was XXXX XXXX, XXXX On XX/XX/2015 the Servicer was transferred to Loancare XXXX I already filed a complaint regarding the handling of the transfer since they took such a long time getting my account transferred over ( Federal states within 15 days, they took until XX/XX/XXXX before I could actually make a payment. 
This complaint is regarding their customer service handling and their website. Since setting up my account at their website, ( www.myloancare.com ), It consistently says I have no Mortgage Insurance, however they are dispersing an amount for Mortgage Insurance. 
Upon calling customer service, they told me that none of the information on their website is accurate until an " Escrow Analyses '' is done, and that wo n't be completed until XX/XX/XXXX. 
This is unacceptable to me as a consumer that they are handling the payments and disbursements of money for my mortgage on my behalf, yet I cant get any accurate information from my account on their website when logged in under my account. If a company is going to arbitrarily decide who my servicer is going to be for my mortgage without asking me, then it should fall onto the servicer to make sure that information is up to date and accurate, which it is n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason

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 03-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A tax lien was Recorded in Error, i been contacting the credit buteaus to remove it, yet they keep refusing to remove that record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpha Recovery Corp (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other service problem

Complaint: A money transfer was supposed to occ ur 2 weeks ago and BOA has  provided no help in completing this transaction. Routing numbers are unavailable and impossible to obtain and no one from the bank ever responds or tries to help correct the problem. This is unprofessional for a bank to not help with transactions or facilitate money transfers into accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with American First Finance, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX Bankruptcy. Representative threatened to take additional legal action and notated the account as refusal to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been the victim of identity theft in the past. It was through the office of an insurance broker I used. They informed me an agent had forged my name to cash a check. I thought it was left at the. I recently had to consolidate loans that went into default and was given a full report of my loans. I realized the amount was twice what I expected and there were two years in which loans were taken in my name that I do not recall receiving. They were over XX/XX/XXXX and XX/XX/XXXX. The amount in those two years doubled what I had received prior to those years. Although I was in school at that time, there was no reason for me to take such loans. I need to know where to loans were deposited to. Then I will know for certain what happened.

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 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??

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 02-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Hello : Back on XXXX XXXX, XXXX my Citi Bank XXXX card was overcharged by {$790.00} from a vendor in error. I called Citi to alert them that the charges were not authorized and they issued a temporary credit to my account for {$790.00} until the dispute was resolved. I filled out Citi 's paperwork required to initiate the dispute officially and returned it to them promptly. The vendor issued a partial credit of {$390.00}, leaving the balance still disputed of another {$390.00}. Citi Bank then wrote on my statement " The following conditional credit was reversed since it was determined to be a valid charge. XXXX Sears XXXX {$390.00} '' and my balance due on the card went up {$390.00} accordingly as a new charge. When I questioned, Citi said the partial credit was still pending and that statement they wrote was a poorly written way to handle the partial credit issued by the vendor. I followed up on the disputed amount XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and each time I was told the dispute was still pending and the permanent credit could not be confirmed. Today XXXX/XXXX/XXXX I was total the permanent credit of {$390.00} was applied back in XXXX and it was unfortunate that a letter was not sent out to me stating so nor could any of their representatives see that information. When I asked why I still have a {$390.00} charge open on my account, they said it was a coincidence and that I owed that money in other charges. I reached out to the vendor during this time to ask them why they only issued a partial credit and they apologized and said that was a mistake and they would initiate the balance credit for {$390.00} within the next 5-7 business days. Citi told me that if the vendor does that, they will not allow it to hit my account since they already issued me a permanent credit back in XXXX but it was only for {$390.00}. Why am I not receiving not receiving the entire {$790.00}? Citi seems to be collecting and benefiting my dispute while continuing to charge me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am looking at my credit score and i am seeing a few things wrong with this information. XXXX i have a name on there that is not mine. The spelling is different which leads me to believe that someone is stealing my identity. Second there are credit cards on there that do not belong to me. I have never owned a credit card. I would like this information reviewed. The credit card i noticed right off hand was kohls credit card. I have never shopped at this store. Please let me know how this can be handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One Credit was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company XXXX is trying to charge me for a debt that I paid for services from XXXX XXXX I received a year ago. This debt was quickly turned over to them and they collected it from me. Now they are claiming that somehow another amount was never paid even though they confirmed earlier this year that I had paid off my debt with them. This all took place at the end of XX/XX/XXXX and beginning of XX/XX/XXXX, when I started receiving XXXX due to losing employment for medical reasons. I called them on the phone today XX/XX/XXXX to talk to someone about resolving the issue. They told me that it didnt matter what I said, I still owed them the money. They didnt offer me any chance or way to prove that I paid the debt off in the beginning of this year. Instead of offering to allow me to research the issue they demanded payment and threatened to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have our mortgage thru Wells Fargo Bank and I use on line banking for everything. Unfortunately, like millions of Americans, we struggled with the poor economy, high medical bills and job loss and filed chapter XXXX Bankruptcy. During this process, we reached out to Wells regarding the mortgage payment and were given the opportunity to do a loan modification to reduce our monthly payment. We were very grateful for the help and completed the process. The mortgage is not behind or in any jeopardy, with the manageable payments. My complaint is simple. We are being denied the option to pay the monthly payment on line. When I pressed for an answer as to why, I was told it was the bank policy, the account is restricted because of bankruptcy, I would not be allowed that privilege. In addition, I am being denied the chance to vocalize my complaint with the upper administration of the organization. I feel this practice is discriminatory in nature. We pay the mortgage directly, as it was never looped into the bankruptcy. In essence, we are being punished by the bank for resorting to filing XXXX XXXX. Is there any recourse we can take?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX I submitted a dispute via certified mail challenging a bankruptcy on my Transunion report, I was sent results on or aboutXX/XX/XXXX stating the information was verified. On XX/XX/XXXX @ XXXX Transunion signed for a second dispute letter that I sent requesting them to verify how they retrieved that information verifying the bankruptcy. I requested them send me validation of who they spoke with at XXXX Bankruptcy court, time, date of how they verified this information. To date I have not received any findings from this dispute and they had 15 days to respond to my letter. Since they did not meet the time requirements they need to delete this information from my credit report.

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 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: CREDIT INSURACE ON THE ACCTS THE BANK COMMITTED FRAUD AS THEY WERE PAID BY INSURANCE BUT THEY CHARGED OFF THE ACCT WHICH IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.

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 05-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account on my credit report that is reporting incorrect information XXXX incorrect payment 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 02/22/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Made payment though automated system. System charged total amount of balance instead of minimum payment. Capitol one refunded amount and during that time placed a 30 days late on credit. Payment was made on time their system charged wrong amount as can be seen by them refunding money. Capitol one refuses to remove 30 day late as it was their system that was in error.

Company response to consumer: Closed with explanation