milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On Tuesday, XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my credit score. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was Midland Credit Management whom reported. I contacted Midland Credit Management Wednesday, XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a single mother with XXXX whom have XXXX and XXXX. As well as I am living in a fixed income from social security benefits and department of transitional assistance.  XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my XXXX XXXX debt. XXXX informed me that as of XX/XX/XXXX XXXX XXXX is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XXXX XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted XXXX XXXX and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through XXXX, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about social security number just being sent to different agencies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with trans union, and XXXX and Im only getting a reply that the information was updated.

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 05/21/2016 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting repeated phone calls from their robo-system for a debt that is apparently owed by another person. I have asked them to stop bothering me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (CA).
Issue: Managing the loan or lease

Complaint: As a result of previous complaint Sierra Auto Finance agreed to remove negative listings on my credit report. Which the item was removed from my XXXX XXXX and XXXX reports as the company agreed. Sierra Auto Finance then reported this as a new item to my XXXX report on after they agreed to remove it. This item showed up on my report today. I have attached the copy of my credit report where this item was reported as well as the previous complaint where Sierra Auto Finance said that they would not report the negative item anymore. Why would you agree to remove it to report it to another credit reporting agency. This is malicious, to agree to remove the item and to report it to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I used to have a fixed repayment plan with Navient and it works well until the repayment program ends. I tried to ask Navient to set-up my repayment program the same as last year due to medical emergencies in the current year but instead they asked detailed bank statements and start digging my private information. I told them that I request deferment on my account since we ca n't agree the payment plan they have prepared for me. I received phone calls several times a day including nights requesting for payment. Even though deferment is approved Navient reported negative to 3 credit reporting agencies. I just lost 2 families and I sent Navient copies of XXXX certificate but it was not enough for them. They demand payment as they do n't have any consideration to my personal situation. Unfortunately, I got laid off and I started requesting Income-Driven repayment Plan Request and Navient refuse to accept the request. They are demanding the payment due, I am totally in tears of what kind of practices Navient have in place for struggled borrower like me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please, I need assistance from this company. I am still being wrongly labeled as 30 days late by Macys and this information is being reported so inaccurately and so viciously against me. They are being very unfair to me and are refusing to rmeove the wrong reports claiming I was late. all of the credit reports have different and inaccurate infkrmtiuon being displayed and I am terribly sad and confused by what they are doing to my finial life. <P/>I was never late to make a payment! It is not my fault that my statements went missing and I called to speak to representatives who had helped me and promised me that the returned statements would not impact my credit score. I am a good person and I do not deserve this false and abusive treatment from Macy 's. They claim to have verified and updated everything with the bureaus but every bureau is showing different false information. One company is saying I have two 30 days late the other says I have one in XX/XX/XXXXand then XXXX says I was late in XX/XX/XXXX! <P/>I am so XXXX and upset and feeling absolutely neglected and lied to. How can Macy 's do this to me? I was never intentionally late and statements were missing and never seen or paid, UI called and complained and wanted all the fees reversed and I was assured this would not impact my credit report. So why has it? Why are they doing this to me? Why does every credit bureaus say something else and yet the accounts read FCRA verified? What was verified? How? Who verified this to whom? Why do costumers get tossed around like we do not matter!?

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 09-05-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC. 

Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect. 

Please see attachment showing this company is not licensed nor bonded in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/2018 I went to Wells Fargo at XXXX XXXX XXXX   and the Banker informed that I need Photo ID and debt card or another verification and make a deposit of {$25.00} said that with the United States that all Banks check credit to open account is that legal because many individual with the United States try to establish credit and open a bank account could be one form of establishing yourself what give any Bank or Financial Agency credit my credit or any one to open account if that was the case then they should not as for a deposit I use be former employee of XXXX XXXX  and the account that I have with them was not treated as employee account they charge me fees please investigate this Bank ensure that they operating according to United States Federal Regulation with opening accounts process all banking products with the United States and no discrimination against me and anyone else and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

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 07/20/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX XXXX I have attempted to do a modification with the mortgage company, Carrington Mortgage. We have submitted documents numerous times and have received numerous letters stating that they had not received documents when we could prove via emails that the documents were sent. In this process my home has been in foreclosure and I hired counsel to help with that situation and the bank continued to move forward with the foreclosure and ignore the request for modification. Finally my attorney advised the Court that the bank was attempting to foreclose on the home at the same time the homeowner was requesting a modification. That the bank continued to ignore the modification. Finally after contacting the Florida Attorney General Office and working with them Carrington forwarded me a modification. 
At the time of the default I became XXXX overnight by a sever XXXX called XXXX and within the next year or so may be placed on a XXXX list. It has placed me on XXXX and has taken my income from over {$50000.00} a year to now only {$17000.00}. I have been an XXXX for almost my whole life. 
When I applied for the modification I explained to the bank that I was not able to pay the {$1400.00} payment per month and request a payment reduction. When I received the modification offer they sent me a payment of {$1400.00} per month. I was under the impression the modification was supposed to help homeowners not insult them. 
Second once I began to review the Carrington monthly statements I noticed that the statement had almost {$10000.00} of fees that were being added for " mold treatment '' and field XXXX fees '' and numerous other things. My home is made of Cedar and would not require any mold treatment and no one has ever been to my home on XXXX XXXX, XXXX to treat my home for mold at the cost of {$5600.00}. 
I am currently considering bankruptcy due to this modification but a friend suggested that I contact your office. Carrington has spent months coming up with every excuse to not provide me with a modification, and then offer me a modification payment of more than the original mortgage and more than the 31 % of my income. My wife works but we do not bring in the amount of income we did when the home mortgaged. I have lived in this home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (KS).
Issue: Other service issues

Complaint: I have been locked out of my google wallet account and will not be notified of the reason for such. I have emailed, called, and contacted multiple times with no useful response to the issue. I feel that I have the right to know why incase there was something that could have been compromised with my account and/or personal information that google keeps on file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Multiple attempts to request action to prove and or remove delinquency to no avail

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 04-05-2017 about Prepaid card (Payroll card) with NETSPEND CORPORATION (OK).
Issue: Fraud or scam

Complaint: I have a skylight payroll card. In the paperwork it ststes if you use their ATM there will be no fees. Yet when i used it to check my balance it charged me a XXXX every time. I used an ATM out of their network and wasnt charged a XXXX. 

There are checks with this pay card that can be used to take your paycheck off the card all at once that you 're supposed to go to XXXX or XXXX to cash. Yet when i tried to use th8os service NOWHERE will cash them anymore. So i called the contact number to cancel the check and have the money put back on the card. They told me it would take 3 business days to put the money back on the card. After 4 business days it still was n't there and i got evicted because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: credit pulled by XXXX XXXX XXXX Tx

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/20/2017 about Credit reporting () with Southwest Credit Systems, L.P. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Southwest credit sustem reported a charge for a XXXX cable debt that does not belong.. I am a very credit conscious person and always made sure that I stay on the right path ... I was a previous customer with XXXX for years..My family decided to go with XXXX because of their bundle plan which included wireless services so I contacted XXXX over 6 years ago told them about the change they instructed me to return the equipment and do I did at the XXXX shopping center in XXXX DE and all balance was cleared they were still trying to get me back as a customer,,, I checked my credit in XX/XX/2016 and there was a charge from Southwest credit system so I called them and they informed me it was for XXXX but they could not locate my information so I needed to dispute it with the credit Bureaus which I did, ,Later I was informed by the credit bureaus that they stated it was valid and it was from XXXX ago..It appears that from the dispute they located my information..I have since written the agency a letter and XXXX cable and there is no response ... This is ruining my credit and I need some resolution, ,Please help me as I do not owe this

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, I received an email from Kohl 's, alerting me that my contact email address had been changed. There was a contact number where I could call if this was not a request I had initiated. I called, but what followed was over two hours of phone trees, endless hold times, and conversations to others who ultimately insisted I ignore it and that everything was fine. At one point, the gentleman who answered the call ( in another department ) could n't even verify that the address had been changed. 

I finally got to someone who informed me that a {$45.00} charge had been placed against my card, which I most definitely did not initiate, and it became evident to me that my account had been hacked and my privacy & identity had been compromised ( this was after the conversation with the man who had actually advised that I ignore the situation altogether ). Yet again, I tried to call -- this time their Fraud department -- but yet again, nobody was answering calls. I was unable to log in to the account online to dispute the charge, since my email address had been changed, so I had no options with respect to that, either. 

I was quite flustered, so I went up to an actual store location to simply close the card, in order to keep the fraudulent charges from coming in. Incredibly, at the store location itself, I was informed that I 'd have to call the corporate office to do so, which boggles my mind -- the account can be opened at the store, so why ca n't it be closed there, as well? 

At the end of this entire 3 hour fiasco, which now included a trip to a physical location, I have finally been able to successfully close my card, but I still have n't been able to contact anyone about the fraudulent charge, nor do I have any idea how many other fraudulent charges may be forthcoming, nor do I know the extent to which this possible case of identity theft has been extended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Six fraudulent transactions appeared in two separate Bank of America accounts, all occurred XXXX/XXXX/XXXX # 1 from savingsaccount for {$1000.00} # 2 from savings account for {$3000.00} # 3 from savings account for {$3000.00} # 4 from savings account for {$3000.00} # 5 from savings account for {$4000.00} # 6 from checking account for {$1000.00} I immediately called the bank 's customer service line XXXX, but the fraud department was already closed ( I became aware of these transactions just before XXXX XXXX Eastern time ). 

The following morning I called the fraud department, filed claims for both affected accounts, froze said accounts and canceled debit card. I then visited my local bank branch to open a new checking account to which I transferred my remaining balance. I then visited my local police department and filed a police report. 

After two business days I obtained a copy of the police incident report which I faxed to the bank 's fraud department. Another two days later I called the fraud department to inquire whether the fax was received - it was not yet tied to my account but the agent I spoke to made notes of the incident number and municipality of the report.

After another 5 business days or thereabouts, I sent a certified letter to Bank of America fraud claims department containing my personal statement of the events, printouts of my account statements, and a copy of the police report. 

I followed up with weekly calls for updates on the status of my claims and confirm receipt of the materials provided by me.

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