milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: a business called virtuoso sourcing group, llc is contact us regarding a disputed XXXX bill. they have called every day for the past XXXX weeks. we have made repeated requests to stop calling and all they say is they do n't have to stop. they often call more than once a day. 

we have advised we dispute the bill and will not pay and dont call yet they persist

Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A few months ago I filed a complaint on Khols because they were reporting an old card that was lost or stolen inaccurately. Khols was reporting late payments on my credit every month for three years. You all helped me and Khols corrected the error. Now out of nowhere, Khols just report a 30 day late payment on my credit for XX/XX/2017, XX/XX/2017 and XX/XX/2017. 
Here we go again with the same problem. I have had no interaction with Khols since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER  AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: ASSET ACCEPTANCE , LLC TRIED TO SETTLE THIS MATTER XXXX, XXXX. THEY STATED THAT WE HAD NO EVIDENCE THAT THEY KEPT CALLING MY CELL NO. XXXX XXXX XXXX XXXX. SEE ATTACHED ATT RECORDS, 3 CALL 'S ON XXXX XXXX, XXXX. 

WE ARE BACK TO RE-SETTLE THIS MATTER WITH MONETARY VALUE, PLEASE SEND STTLEMENT AND RELEASE IN THE AMOUNT OF {$1500.00} FOR T.C.P.A. VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I discovered unauthorized, fraudulent transactions made via XXXX in my JP Morgan Chase Bank XXXX XXXX Credit Card statements. I contacted XXXX and requested information about the vendors, however XXXX refused to provide any information about the vendors, informed me that transactions were made online through XXXX accounts linked with my credit card and recommended that I contact my credit card company for chargebacks and further information about said transactions. Furthermore, XXXX also refused to provide me with information about XXXX accounts with which my credit card was linked and referred me for such information to JP Morgan Chase. 
I thereafter reported all fraudulent transactions to JP Morgan Chase and disputed all fraudulent charges. 
I also filed a police report about Identity Fraud and these fraudulent XXXX transactions on my Credit Card. 
Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent, authorization or knowledge. 
Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just referred to my police report in which I alleged that all unauthorized transactions are suspected to have been made by my former employee, whose employment was terminated from my office. 
Instead of providing me with any XXXX and vendors ' contests of my request for chargebacks and any supporting evidence about the validity of said transactions, Chase just concluded that transactions are not fraudulent from the Chase 's point of view because the suspected person of theft of my identity and credit card fraud could be my former employee. From the Chase 's point of view, transactions are only recognized as fraudulent if they are made by strangers. 
I called several times to supervisors of JP Morgan Chase Bank Fraud department and left numerous voice messages attempting to resolve my disputes, however, my calls were not returned. 
More than three months have elapsed from the date when I reported all these fraudulent transactions, however, to date, Chase has not responded accordingly to the seriousness of this issue, nor has Chase assisted me in any way to resolve the matter. 
In fact, I have never received any correspondence from Chase pertaining to my dispute of fraudulent charges and its investigation. 
I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account. Alternatively, if Chase is still investigating the matter, I insist that payments and interest related to the fraudulent activity be frozen until such time as the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX ran my credit 7 times in one day and they were only authorized to do it once. They ran it through XXXX twice, XXXX and XXXX bank twice. All on XXXX XXXX 2015. These XXXX hard inquires have majorly effected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made XXXX consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made XXXX consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me XXXX months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2018 I filed a complaint against Equifax with the XXXX XXXX XXXX for Georgia. Then on XX/XX/2018 the Georgia XXXX   XXXX XXXX XXXX XXXX XXXX, under the direction of the XXXX  XXXX XXXX 's office notified one " XXXX XXXX '' with Equifax to contact me to resolve a very serious issue. The reference file number for this case is XXXX What this all boils down to is this. 

After the massive hack that Equifax suffered I decided that I wanted Equifax to purge my personal data, especially my social security number from the Equifax database. Not only has XXXX XXXX not contacted me as of today XX/XX/2018 but I did get to speak with a Equifax customer service representative who informed me that Equifax lacks the technology to remove my name from their database. That statement should bring action from both your agency and the Federal Trade Commission for the following reasons : 1. Equifax has been contacted by me and Georgia XXXX  XXXX XXXX XXXX XXXX XXXX to address this issue. Equifax may be worth billions of dollars but, Equifax to the best of my knowledge can not violate my rights to privacy and in this case I have formally requested Equifax purge my data from their database. 

2. When the customer service representative told me on the phone that Equifax does not have the capability to remove me from their database then I sincerely feel the Federal government needs to launch an investigation into Equifax because as someone who has actually designed databases I can assure you that removing a consumer from one 's database and then flagging that person 's record so it is not again populated is a very simple task. The representative from Equifax either lied to me, or Equifax does not have the simple technical capability to manage their own database. 

XXXX XXXX 's business contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with Rent Recovery Solutions (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We moved from an apartment ( XXXX XXXX, XXXX, CT ) XXXX 2017 and were told we 'd receive a statement that identified what had to be repaired prior to leasing the apartment again. ( We had the walls painted while living there and were told we have to pay to have them repainted white. ) That was fine - the office at XXXX XXXX said we received an statement that included the itemized cost. Then we were told the carpet would have to be replaced as well. ( I thought this basic maintenance but okay ). We kept the apartment in excellent shape and were told by the XXXX XXXX Office Manager, XXXX, that cost would properly not exceed {XXXX}. Plus we had our security deposit to apply. 

After we moved I called the office at XXXX XXXX ( XXXX - Lease Manager ) told me I 'd received an itemized bill with the breakout of cost and that my security deposit would be applied. The office had my new address along with my email address so I figured I 'd received something soon. I never received anything and had called the office in XXXX or XXXX to let them know nothing had been received. I confirmed again my address and assumed I 'd receive a bill with the security deposit applied to the total cost. I never received anything. 

In XXXX I received a notice from Rent Recovery Solutions that I owed {$XXXX}. I am still waiting to receive the itemized breakdown from XXXX XXXX as to exactly what is owed and where my security deposit was applied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX collection reinserted after it was deleted. XXXX number XXXX XXXX dated XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX XXXX, I 'm trying to rent an appartment and when they check my record it 's saying that I have felonies but I 'm not the person on the record report, I 'm not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased our home in XX/XX/XXXX, for {$380000.00}, and it closed at short sale XX/XX/XXXX for {$250000.00}. To satisfy the deficiency and close out any chance of future claims against the deficiency amount, we even paid {$2000.00} to BofA at closing. Our mortgage loan # 's were XXXX ( XXXX & larger loan owned by XXXX ) & XXXX ( second smaller loan owned by Bank of America. 
Industry FRAUD was the reason why our home lost market value. We were enrolled in MHA program, which principal reductions were part of program, and we were NEVER offered this option. Short sale was the result of FRAUD and no support of XXXX thru MHA. 

For the XXXX which our loans were a part of, was XXXX involved as the ratings agency? See DOJ press release thru this link : 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 08/22/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (ND).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The bank used their legal firm to file a Sheriff 's Sale Foreclosure against myself wrongfully. Attempted to contact both the bank and their legal representative multiple times to notify that they are picking on the wrong person. In this case I am actually an innocent relative of one of the persons named in this suit. The legal firm, nor the bank have issued a retraction or apology. I was not a resident at the time the defaulted loan was issued.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As early as XXXX 2017, Equifax may have unlawfully disclosed my personal information, including social security number, addresses, driver 's license number, and financial information, to unknown third parties. They have not yet directly notified me, although I 've requested information from their Notice of Breach - Potential Impact page and confirmed that my information may have been disclosed. I have examined the proposed response by Equifax, and have found the process of opting out of their arbitration clause to be onerous, rendering their identity theft and general security monitoring service inadequate and intolerable. I urge the CFPB, Department of Justice, and other state and federal authorities to immediately sanction and bring suit against Equifax, including management, board of directors, responsible employees, and large shareholders. I demand security and monitoring services to protect my personal information for a period of not less than 80 years, to be provided free of charge for not less than 10 years, and thereafter subsidized by the financial resources of Equifax and any major financial institution that provides consumer information to Equifax. I demand that the same services and rectifications are provided to all 143 million victims of this unlawful breach, and to hundreds of millions who likely be subject to similar crimes corporate irresponsibility in the future, and expect that every judge, lawmaker, and bureaucrat will be bent toward the will and security of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work out a deal with my bank to sell my house as a short sale. I hired XXXX XXXX with XXXX XXXX to help me with this. XXXX XXXX and XXXX XXXX from his team collected all the paperwork and submitted everything to the bank in the beginning of XXXX. XXXX was calling everyday and being told they could not speak to her because they had n't looked at the paperwork. They finally looked at the paperwork almost 20 days later. Now they are saying they will not accept it and that it is too close to the foreclosure date for me to do anything. I already have a signed contract of someone willing to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Delinquent account

Complaint: they are putting my debt on my report. this is not my debt

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 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: We have a home mortgage with Wells Fargo. We put into escrow each month money for tax and home insurance. We received a phone call the last week of XXXX from our insurance provider stating that our policy was in the cancellation process due to lack of payment. This payment was to be made by Wells Fargo, they had reached out to the bank to try to get payment and were unsuccessful. My husband and I reached out to Wells Fargo ourselves and with several phone calls, they assured us the payment was made and our insurance would be reinstated. They also told our insurance company that they overnighted a check. It has been well over a week and still no check for the coverage. We now have NO insurance on our home and yet we are still putting into escrow the monthly amount. I am not sure what Wells Fargo is doing with the money. Wells is not showing us confirmation of anything and will not pay the amount to get us back our insurance.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX, after obtaining reports from both XXXX and XXXX through the XXXX website, I went to continue to the Equifax website, which began as the others did with a battery of four questions. After answering them, I was presented with a " Equifax can not provide your score online '' manure page, which directed me to try to obtain my credit report through the mail. Equifax 's website offered no reason for this, and no apparent recourse. Its support page lists phone numbers to call for the stated purposes of " Becoming a Business Customer, '' " Opting out of Mailing Lists, '' " Dispute information in my credit report, '' " Denied credit or entitled to a free report? '' and " Place a fraud alert on my credit report, '' and NO page for " Questions, '' " Concerns, '' or " Issues,  '' or any combination of the three. Frustrated, I called the line under " Entitled to a free report '' to be put through their automated line. 3:30 seconds later, after going again through the prompts, and dodging the consistent advertising to pay for my credit score, I have been told, again, with no reason as to why, that despite the fact I went through this saying " Free '' ( the option for getting your report under the FACT act ) I still had " no discount applied to this selection '' when simply trying to get my free disclosure. Equifax, intentionally or not, is in fact obfuscating consumer rights and their own website in such a way that it is illegal, time consuming, and extremely disheartening. In doing so they cause harm to people with little and no money who are trying to clear any potential obstacles to success by cheating them first of their time, then their mandated free reports, and finally they are stealing the money from the consumer that has no choice but to obtain their credit report. They also very clearly violate federal law by withholding a mandated free credit report, and charging for it despite the mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I lost my wallet and couple days later had fraud in my checking account with depositing and withdrawing checks and cash through multiple atms and I Add claims and the back office refuses to call back and this has been going on for 2 months now and they keep denying claims and sill have the wro ng Info.  I faxed a police report and have a detective which has received the film from the bank so I do n't understand why this  XXXX  is still not solved. Bank of America is the worst bank Ive seen

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