milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: Because of non-cooperation from XXXX XXXX senior claims representative and it forced me to call your headquarters office and spoke to XXXX XXXX and XXXX XXXX both were under the impression that I had an open claim with XXXX XXXX. 

What is the status of newly discovered Claim no. XXXX? 

What is the status of Claim XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Second complaint on  XXXX   XXXX   XXXX   XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did  XXXX   XXXX  send a letter verifying my 30 days on the debt on  XX/XX/XXXX    but placed the actual debt without verification on my report  on  XX/XX/XXXX ? Sin ce I have filed this compliant  XXXX   XXXX  has placed this on all  XXXX   XXXX  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with Scheer, Green & Burke L.P.A. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: received letter in the mail telling me that I owe {$140.00} from : Scheer, Green & Burke , Co. L.P.A. 
File no. XXXX

Company response to consumer: Untimely response
Consumer complaint received 06/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: Citi Bank Credit card have unusual way of computing their interest rate. They have created a flexible billing ( fluctuated cycle ) so they charge their customer more interest regardless of when the card 's payments were made. I do not think this is right, billing cycle should be adjusted so it will be the same each month. Citi Bank Master card charged more interest in XXXX 2016 than XXXX 2016 although the balance in XX/XX/XXXX was less than XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts were disputed as fraudulent and experian,  XXXX  and   XXXX    have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   total  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing XXXX of dollars from my account.

Company response to consumer: Closed
Consumer complaint received 03/30/2017 about Credit reporting () with CITIBANK, N.A. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.

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 05/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In  XXXX  I opened  XXXX  accounts with Wachovia Bank ; a checking and a savings account. I also used the free safety deposit box offered. Sometime between   XXXX   and  XXXX , the checking account was closed although the savings account stayed at over {$1000.00}. I did not use the bank during this time. The  XXXX   XXXX  Bank took over  XXXX  and my savings account persisted and I received notices every month but now I find that they confiscated my checking account. I recently had to reopen a checking account and the bank tells me my money is lost.   I want it back. It is not as if they did n't know where I was. They were dealing with me all of that time and they had my property until late  XXXX   XXXX .   Checking account Routing # now  XXXX  Checking account Routing # then  XXXX  MY  XXXX   XXXX   XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX  Address is  XXXX   XXXX   XXXX   XXXX   XXXX  WA  XXXX  ( moved  XXXX / XXXX / XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with Advanced Resolution Services Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I originally contacted ARS in XX/XX/XXXX to place a security freeze on my credit report held by them. My consumer report dated XX/XX/XXXX is showing a Bankruptcy in the name of XXXX with my social security number. I wrote to XXXX and sent them a certified letter with return receipt in XX/XX/XXXX asking them to VALIDATE the information. I received several phone call on my cellular phone from someone identifying themselves as Sue later identified as XXXX, XXXX. I did not receive a response from my XX/XX/XXXX letter until XX/XX/XXXX well over 30 days and per my credit report the information was NOT marked a DISPUTED as required by Federal Law. About XX/XX/XXXX I received a letter and informing me the item I disputed with ARS is being verified and will remain on my credit report. I sent another letter Certified mail return receipt asking ARS to VALIDATE the information contained in their files. I received a letter dated on about XX/XX/XXXX with an attachment titled ( Master Mailing List ) in the name of XXXX with my social security number. 
On XXXX ( XXXX ) different occasions I asked Advanced Resolution Services, Inc. to VALIDATE the information. As of XX/XX/XXXX ARS has failed to VALIDATE the information with the US Bankruptcy Court. This is not my name on the attachment as I ALWAYS use my suffix XXXX. So my father who is SR and my brother who is the III does not get confused. This is not my handwriting and that is defiantly not my signature. I am giving ARS one last opportunity to VALIDATE with the US Bankruptcy court before I file a civil suit against ARS Advanced Resolution Services XXXX Inc. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Chief Executive Officer for the following violation and I will be seeking a minimum of {$6500.00} 1.Violation of FCRA Section 611 Part ( A ) ( 1 ) for failing to respond to my original dispute dated XX/XX/XXXX will be seeking {$2500.00} for this violation 2.Failure to Comply to request to VALIDATE a violation of FCRA Section 609 I will be seeking {$1000.00} 3.Misrepresentation see XXXX XXXX ( XXXX ) : XXXX vs. XXXX, XXXX F. Supp. 502, 505 ( D. Conn. 1990 ) I will be seeking {$1000.00} XXXX. XXXX XXXX called my cellular phone on several occasion even after I told her I wanted everything dealing with ARS in writing. I also included my email as a form of communication ( see XXXX XXXX XXXX vs TCPA I will be seeking {$1000.00} for this violation XXXX to XXXX disputed on my credit report a violation of FCRA Section 623, I will be seeking {$1000.00} 6.Deformation, violation of the fair credit reporting act, negligent establishment of identity fraud.I will be seeking the maximum amount in my state. 
If at any time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Chief XXXX XXXX Want to VALIDATE said information or just remove without admitting any wrongdoing I will be willing to not peruse this matter in the court of LAW

Company response to consumer: Closed
Consumer complaint received 04-02-2015 about Credit card () with WELLS FARGO & COMPANY (WI).
Issue: Payoff process

Complaint: I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with Rauch-Milliken International, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Rauch-Milliken International , Inc. sent me a first and final notice dated XX/XX/XXXX regarding a debt connected to a company that I have not been associated or involved with since XXXX. The company was a limited partnership, so any debt acquired by this partnership would not be a personal liability of partners. The partnership was dissolved upon my certificate of withdrawal on XX/XX/XXXX. The remaining partners filed a a certificate of cancellation with the state of California on XX/XX/XXXX when they sold their interest in the company to an outside entity. All Vendors including the client of Rauch-Milliken were notified by mail. I have made several attempts to reach someone at this firm with no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has fraudulent accounts listed on my credit profile and they refuse to remove it. The companies are XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I have disputed these fraudulent accounts for several months and Equifax continues to verify them. Equifiax is refusing to provide me with documentation or their method of verification. They have addresses on file that I 've never been associated with. 

I 've reported the identity theft to the police and they provided me with an identity theft report. These fraudulent accounts were to be removed within 4 business days and they were not. Equifax is violating the law and holding me accountable for accounts that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have been notified in the month of XXXX 2018, that my personal info had been hacked on the XXXX website. I recieved a notice via mail about the hack. Then I was told to put a freeze on my person Reports. Which I did immediately!!! Still I have contiued to recieve hundreds Robo callers weekly for years now. I have recieved caller 's where the Robo caller 's called on one phone line then. I recievd another call just minutes apart from the other call, threatening and saying, " You owe the IRS a lot of debt, '' and, added that, " They were the IRS and that they were gong to take me to court and sue me ''! I was a bit shaken, I recieved a call simular to this last year and ran to my CPA! This time i could tell that It wasn't a real voice. I did get very upset, to the point to where I have decied to fight back now! It has to stop! It's like a bully of some sort. Well I am not going to take this anymore!!! These thieves have taken control of my XXXX XXXX, all of my social media sites that I was with, they have even gotton into my XXXX account and all of my records, I am extremely concerned that this has all gotten so out of hand? Below I am discribing what has happened recently to my bank account. 

I went to my bank. While at the outside window, I notice somethnig odd. This company called XXXX, which is a singing APP that I used to use on my cell phone.. I notice the amount of {$39.00} had been debited on my card. I knew I hadn't done this??? I could see the problem so i went into the bank to investigate this problem. I ask the Banking Rep to please give me a reciept of this transaction. I called over the phone to XXXX who said they could see the charge, and that they be opening an investigation. I also talked to the XXXX Rep and she said that she would be reporting this to the Investigation team of XXXX. She said it will take some time to complete. 
These hackers have taken over everything in my life. i am very discusted and fear for my personal safety. I do not want to go any where alone without my husband. I have put freezes on my account and still they manage to hack in some how. I have put up cameras, so much to protect myself and my family. It's a nightmare to have to live like this on a daily basis. I need your help. Thanks in advance. 

I also recieved a call from XXXX and I was told that someone had compromised my XXXX, and XXXX Account and to report this. The gentleman told me to report this to every one, and put the word out! 

Can someone please help me to stop this huge anoying problem. Urgent!!! Everyone, Seniors please, be aware of this IRS scam!!! It's not real it is fake. It is ment to scare you out of your money!!! Call and report this crime to the local police right away! Don't be a victim!

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 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: After I reviewed my free credit report, Experian billed my credit card for credit monitoring services without my approval. I never subscribed to their services. They said it is in their terms and condition for viewing the free credit report. How can something be free if they make you pay for it and then bill you monthly. Trial membership that requires someone to call and cancel the membership should be forbidden.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with URS Holding, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Red River Collection Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began receiving letters from Red River Collection Company , Inc. on XXXX XXXX, 2015 stating that I owe debt to them from " Stop XXXX Park ''. I wrote Red River Collection Company , Inc. a letter stating that I do not owe this debt. Red River Collection Company continues to send letters, has called my cell phone and now my place of employment. They state that I owe them {$110.00} plus interest.

Company response to consumer: Closed with explanation