milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service. 

After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record. 

I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 

Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX. 

I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My son has multiple XXXX problems and gives my number for XXXX contact but I have nothing to do with his bill payment. I have received calls from the collection agency and have repeatedly told them this is MY number not his but I continue to get calls. This XXXX went to my answering machine " Monday XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX seconds " Please call us at XXXX. Our office is open Monday through Thursday from XXXX XXXX to XXXX XXXX XXXX. Friday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX XXXX. Thank you. '' This one did not leave any indication about it being debt collection but others have come in on my phone when I have had guests in my house who overhear these messages much to my embarrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: THE ONLY PHONE NUMBERS ASSOCIATED WITH MY NAME AND SOCIAL SECURITY NUMBER ARE ( XXXX ) XXXX and ( XXXX ) XXXX. 
**Please remove ALL other phone numbers on this report! They are fraudulent in nature!!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' Equifax Inc. maintained improper security practices with sensitive consumer data. Signing up with " Equifaxsecurity2017.com '' further compromises consumers by requiring them to waive their right to legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I got scammed and someone fraudulently used my card/signature ... To shop at  XXXX   XXXX  in the amount of {$6300.00}. I do not know what  XXXX   XXXX  is nor do I spend that much in a day for products I do not know about ... Going through previous transactions history o n American Express, I would not have places like that on my charge history ...      Also  American Express Personnel advis es to let charges go through and dispute them later, this is what I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX at XXXX XXXX my daughter informed me that some one had come to the apartment unit ring the door bell pounding on the door and saying he was the XXXX County Sheriff and had papers for me, and on XX/XX/XXXX again this time much more aggressive this person I was told by my neighbors about XXXX XXXX everyone in the building door bell was ranged disrupting there life, I was told this person was literally banging on the door with a great amount of force, they thought it was some type of altercation or something this went on for serveral minutes disturbing the peace, one neighbor informed they had called managment to see what should be done. Also I was told by my neighbors this is not the first or second time they have come the this building with this inappropriate behavior banging on doors and ring others bells, I feel this is an form of harassment for a credit card debt of {$2400.00} I do n't even know what credit card it is, can you please please help me with this issue, I did go to the local XXXX county sheriff office, I was told it was not from there office, also I was told, whom ever it is posing like XXXX county sheriff deputy and flashing a gold badge dressed in all black clothing saying sheriff office they need to gain entry to the building, if this is not a criminal matter involving the real XXXX county sheriff office coming to my family home involving all the neighbors this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with FCI Lender Services Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.

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 04-12-2017 about Student loan (Federal student loan servicing) with National Enterprise Systems, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received numerous phone calls from national enterprise systems on a false phone number. All phone calls are on XX/XX/2017 time stamped at XXXX am, XXXX,XXXX am and XXXX am with a number of XXXX. Then they called my place of employment on XX/XX/2017 when I am not supposed to be taking any personal phone calls. I also informed them on the last call on XX/XX/2017 that they were in violation on federal law and then hung up on the collector. This behavior is in violation of the harassment section of the fair debt collection act section 866

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: After receiving an email that my account was closed, I had called Capital One to explain that I had a been a victim of identity theft and was hoping that they would extend some type of help to keep my account open. After speaking to several representatives and supervisors, they were very steadfast on closing this account. Even one supervisor explained to me that this was the only type of calls that he was getting all day. Many of the representatives were saying that their hands were tied behind their back. My main concern is that I was not even notified that my account was in jeopardy of being closed even after I called to get a new card because of my identity theft. When I order the new card not one person informed me of anything that was about to go wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (IL).
Issue: Adding money

Complaint: Today, XXXX XXXX, 2015, is my payday. I have a Rush prepaid card and I was told last night after being on hold for 2hrs that it will be posted XXXX. Nothing was on the card so i called today XXXX. I was then told my account is pending and my actual payday XXXX. Then I told them today is the XXXX and it is XXXX in XXXX and I still dont see my deposit or the money that was still in the account. They keep blaming it on technical glitches. I was n't informed about any of this via email, text, or mail. If I was informed I would 've stop my direct deposit immediately. Now I may be stranded if this does n't get resolved soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Billing disputes

Complaint: I am being over charge by Comenity Capital Bank for services I did not receive. The bank has not responded to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is my XXXX complaint against Wells Fargo student loans as my XXXX complaint and their response was not sufficient. I am the cosigner and the main borrow is not paying the loan even though ordered in the divorce decree and I sent this paperwork to Wells Fargo. I asked Wells Fargo to send me a monthly bill since I am and have been the only XXXX paying it the entire life of the loan. They sent me their policy stating they are not allowed to send XXXX bills. So I asked to not send the main borrower XXXX just me so I am aware when it is due before it is late with a late fee which is the only time I 'm notified of the bill. So I do n't have a chance to pay it on time at all only aware once it is late and with a late fee. The XXXX late payments on the account in the last 6 months have dropped my credit score almost XXXX points. The rest of the loan in over 3 years never a late payment. I am asking that in goodwill these late payments be removed and this removed from my credit as it is evident I have been trying to be proactive in being notified of this bill to pay it timely, have paid it timely and the associated late fees, and be sent the bill from here on out so they will continue to be paid on time. I have spent countless hours in the last 6 months on the phone with numerous Wells Fargo employees with no resolve. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (IA).
Issue: Unauthorized transactions/trans. issues

Complaint: Company tried to launch new services and it failed. Ca n't access money. Ca n't even get through to talk to anyone. After prompts the phone hangs up on second ring. Ordered new card paid {$30.00} to have 2 day delivery, still nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else. 

I also established online automated transfers, which later required me to submit my signature through the mail which I did. 

On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.

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 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase has operarated ( and continues to ) in an extremely unprofessional manner. They continue to accuse me me of not getting requested documents to them in a timely manner and basically accuse me of lying about things that have happened during our request for a simple loan modification on our mortgage with them. This is evidently something that they have done to numerous of their customers. For several years I have been in serious dispute with them regarding this matter and I refuse to give up until we receive a satisfactory resolution. 
The loan is in my fathers name and I have always had authorization to discuss anything regarding the account. I had received numerous correspondences from them until the last time I filed a complaint about them, approximately a month ago, I receive a letter.from them accompanied by some authorization forms telling me that I am not authorized to discuss the account. BUT I am indeed authorized to discuss the account, nothing has changed on our end regarding that. 
They are complete imbiciles that has no clue how to treat their customers. 
I will continue to report them to any company or organization until we receive a satisfactory resolution. 
This is a follow up on a previously submitted complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: I have had a card relationship with Barclays for years. I went to use my XXXX XXXX rewards card today and it was declined. When I called in I was told all of my card accounts were closed and would not be reopened. I would like my account reopened as I have done nothing to cause my account to be closed. 

I 've always paid my bills on time and hardly purchase anything on it, I never let the spending be higher than I can afford to pay monthly. My credit history and score are very important to me. 

Please contact me via email or through CFPB. Again, anything that can be done to preserve my relationship with Barclays I would greatly appreciate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was sold to apply for a Home Equity line by Chase, Applicatication number '' XXXX XXXX XXXX XXXX : XXXX XXXX ( NMLS XXXX ) on XXXX/XXXX/XXXX when inquiring about the HELOC product. Phone call was represented to be recorded. Upon completion initially my wife had some errors on her credit report and I was told that I would be approved with the application in just my name. I fully explained my divorce in XXXX and the short sale ( s ) /charge off that took place as result. I also explained that my circumstance met the XXXX XXXX guidelines for an extenuating circumstance in that my credit before and after the divorce liquidation required was perfect, and that I had obtained conventional XXXX XXXX financing in XXXX. I was told by the NMLS licensed Chase employee ( XXXX XXXX ) that I just needed to submit the same documentation ( letter of explanation and copy of my divorce decree ) I did for my first mortgage. On XXXX XXXX, XXXX I received a message from the XXXX XXXX XXXX XXXX ( NMLS XXXX ) stating my application had been denied due to the short sales. Upon calling I asked when the file was underwritten and I was told that it was underwritten the prior day on XXXX/XXXX/XXXX. I immediately asked how they were to come to a credit decision prior to reviewing the documents surrounding the divorce that were sent on XXXX/XXXX/XXXX. XXXX apologized and said she would have the documents resubmitted for another decision. This was done and they again denied the file, completely contrary to what was represented by the licensed NMLS representative XXXX XXXX. I was given a false approval on a recorded line after giving all of the exact details.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Describe what happened so we can understand the issue ... 
I was client from XXXX XXXX XXXX XXXX, were I took a loan to purchase a vehicle in XX/XX/XXXX. 
My payment were always paid on time. Later in XX/XX/XXXX XXXX XXXX XXXX XXXX, were underinvestigation from the XXXX County Prosecuting office for money laundering. XX/XX/XXXX, a company called XXXX XXXX, contacted me via phone explaining that they 've purchased the right to collect the remaining balance of my loan which it was a little over {$9000.00}. They also explained that two payment were never received by XXXX XXXX XXXX XXXX, in the amount {$1000.00}. I spoke with XXXX XXXX, and explained that my payments were up to date, and they refused to accept my receipts to show proof of my payments. I was still in communication with XXXX XXXX, to forward proof of my payments via fax. While in communication they dispatched a tow truck company a week later to repossessed my vehicle in the middle of the night. This was XX/XX/XXXX. My kids XXXX gifts were in the vehicle and XXXX {$1.00} XXXX silver coins, given to my sons as a gift from their grandfather which were stolen from inside of my vehicle by the tow truck company together with my kids XXXX gifts. I contacted XXXX XXXX, in the morning and they said if you do n't pay the {$1000.00} we will put the car in a auction. The tow truck company charged me {$750.00} for over night storage which the vehicle was only there for less than 5 hours. While trying to recover my vehicle in the morning I was forced to pay {$1000.00} + XXXX totaling {$1800.00} dollars. I recently checked my credit report, and found a negative nonpayment and delinquent report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Billing statement

Complaint: USAA Banking has violated the terms of my credit card agreement with me by refusing to carry forward a balance on their " pay-ahead '' program. I paid {$1400.00} on my account, and it should have been carried forward to count against a minimum payment on my most recent statement. 

Here is the text of the portion of the terms of my credit card account : " Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief