milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Credit card () with DISCOVER BANK (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. 

I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. 

On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. 
I do not believe that in the entire nation I am the only person who has encountered this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX a non Chase ATM withdrawal was made for XXXX $ with additional XXXX $ fee plus another XXXX non chase atm fee was made without my knowledge. On XXXX XXXX i made a check deposit when i first became aware of that ATM withdrawal in addition to another new XXXX $ non chase ATM withdrawal with again XXXX fee plus another XXXX non chase atm fee. Both ATM transactions were not made by me. Nor did my debit card leave my possession. There was an address listed for one of the ATMs used on XXXX XXXX in an area i havent been to or around in years so i knew immediately something bad happened. I contacted the bank in store on XXXX XXXX and was immediately calmed and taken care of. In a few short days they credited my account back both amounts including the fees. I was extremely grateful and received a new debit card. I even had a really good idea where the credit card info had been taken from and passed that info along. i was sure it had been taken from a local taco truck that used a portable credit card scanner in which i punched in my pin number. Combining this info with the address of at least one of the ATMs i hoped maybe someone would even be caught. Much to my dismay and utter panic on XXXX XXXX both transactions were reversed and taken back out of my account. i felt as if i was robbed for a second time as i had been spending as if the money was there. i was devastated and called Chase where the informed me, Sorry the pin number was correct and both ATMs were within a certain mile range from my house so despite my claim they denied it and confiscated the money. This money is extremely important to me and losing it was crushing to me. I tried to escalate the matter with the claim department which led nowhere. i also went into a branch where the lady called and said they would re review the matter. Now a week later and they arent putting the money back. I provided them with good detail what i believed happened and the ATMs were listed on the statement. I feel extremely violated and discriminated against because i obviously dont have the money to fight Chase on this matter and they dont seem to care about me as a customer. I am heartbroken i 'm considered a liar and/or a thief. Neither of which is true. I beg you to please help seek a fair resolution to this matter and hope for another reversal of this claim. Thank you for your time and i am willing to provide or help in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint against Wells Fargo Mortgage. I was told that they increased my mortgage XXXX XX/XX/2016 due to my escrow. I was not informed of this until to day by corporate. My house was put into foreclosure do to this discrepancy in communication on their part. If i would have known XX/XX/XXXX, i would have sent the full amount the mortgage was increased to. They do not seem to want to take ownership of their error. Now i feel my next acton is to retain a lawyer. My last complaint has not been resolved yet.

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 10/31/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease

Complaint: Ally Auto Financial called my cell and house phone numerous times after XXXX. I have asked them to stop but it has continued. Also when they call during regular business hours its a robocall and no one picks up the phone so I get multiple calls a day with nobody picking up the phone which is disruptive and bothersome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX/XXXX/XXXX I have been filing complaints for them to verify my reports for months and XXXX has not respond to my letters.I have been sending letters since ( XXXX XXXX, XXXX ), with no verification to the credit laws that I had included. Seeking help with this 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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax many different times to dispute this unknown account that is reporting on my credit file. Acct # XXXX. For some reason, it is still reporting. I sent them a Fraud Affidavit and the account is still reporting. I need your assistance in getting this account removed from my credit file. Apparently, Equifax have no regards for the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: Capitalone- I have a capital one quicksilver card.. It was issued to me with the promotion of no apr for one year and a credit limit of {$3000.00}. After the year my apr was supposed to start as 12.99-15.99 % based on credit worthiness. During my intro year I was happy that my credit limit was doubled. It was doubled to {$6000.00} because of my good payment history and good credit worthiness .... I used my card a lot after this increase l, feeling as though I was developing a good relationship with capital one and my new card. My apr kicked in this month while I have a balance of over {$4900.00} ... I was surprised my apr is 22.99, higher thanI have ever had on a card. It feels as though I have been tricked into this debt with this incredibly high apr. I 've never missed a payment and my credit is strong. It 's bad business on capitalones part, and they will do nothing. So here I am..

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My mother 's name appears on my credit report and I 'm not sure if any of the accounts that appear are hers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX    XXXX   {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to collect  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sect ion 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing th e dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the  credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

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 08-05-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted Equifax and disputed the XXXX card entry on my credit report several times. Equifax states that XXXX Card refuses to release the entry for 10 years. The final payment made on this XXXX Card balance was in XXXX, 2008 and delinquency began in XXXX, 2008. ( see attached documentation ). I am trying to secure a home loan at a favorable interest rate and this erroneous entry is preventing that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Debt collection (Auto) with Westlake Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with Global Recovery Group (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This company refuses to send me documentation of the debt they say I owe. They said it 's against their policy and they are not allowed to send me anything in the mail or by email. I 've asked multiple times and was told my credit card company should 've did that prior to giving my debt to their company. They also are threatening to send someone to my house or work to give me a packet, yet nobody comes. They also said that by not paying I 'm committing fraud and it 's being reported as such. I attempted to make payments and set up payment arrangements and they said they wo n't take less than XXXX a month and hung up on me when I said I ca n't afford that much in a month. They refuse to work with me. I want documentation on my debt and I am unable to get them to send me anything. They call multiple family members in and out of state, even after talking to me and knowing my address and phone number. They tell my family I have a lawsuit against me and they hang up on my family once they are asked to not call again. They continue to call my family even after speaking to me on the phone. If I am unable to answer the phone I immediately get another call, within the same minute of the previous call. They imply that something bad will happen if I do n't pay them and that I am committing fraud, their words, and it will be reported and treated as such. This company also does n't verify my information before disclosing any info. They do n't say, this is an attempt to collect a debt and any information will be used for that purpose. I could be anyone on the phone and they disclose everything.

Company response to consumer: Untimely response
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call and call almost daily ... .leaving no messages. I block the number and then they use another number. I researched them and they have lawsuits against them in other states. I am debt free and owe no money. They are calling for another person and are harassing me continually. I told them no such person lives at this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo is allowing fraudulent activities and theft in the amount {$3700.00} in unauthorized checks in which I was not present over the course of XXXX months. I suspected fraud activity related to my account in early XX/XX/2016 and went in to a branch on located at XXXX, XXXX NC. At that time, I put a verbal pass code on my account and specifically indicated is authorized to make withdrawals from the account. XXXX on XX/XX/2016, an unauthorized withdrawal was made in the amount of {$2000.00}. At that time, I was informed that this money would be refunded back to me if I was not physically present to obtain the money. Since that time, there has been XXXX more unauthorized transaction made on XX/XX/2016 * {$1000.00} XXXX and XX/XX/2016 ( {$750.00} XXXX. Today I was informed that my claim for the {$2000.00} was denied because the signatures matched. This is ridiculous and fraudulent as I was not physically present to authorize these withdrawals. The XXXX is allowing this fraudulent activity and failing to verify identification and my verbal password for the account. My business has suffered as a result and my account balances are falling low due to the NSF fees of more than {$200.00} and these transactions. I am requesting that this branch pull the video and refund me my money and NSF fees for allowing these unauthorized transactions to occur this is ridiculous. Please be advised that I will file a suit for damages if these funds are not placed back in my business account. Additionally, I all NSF fees refunded since XX/XX/2016. On XX/XX/2016, Wells Fargo XXXX my account due to NSF fees and I have not been able to use this card since that time ; therefore, it is impossible to have withdrawals for this account without providing identification and my verbal pass code. 
This is my final demand before I proceed with a adversarial approach and file a suit in court.

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 09-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, XXXX XXXX, complaint against Bank of America loan provider, XXXX, loan sent to them by Bank of America, and XXXX. 
My brother had a loan with them for about ten years payment XXXX mo. he paid every month XXXX towards loan. Contacting B of A. in XXXX of XXXX to redo his mortgage with a payment of XXXX. In XXXX of XXXX he sent back the papers to the Bank with them coming back saying it was not his signature in the papers but XXXX had XXXX making is writing some different but ledgable.. We went to a legal aid office in XXXX NC for help. XXXX XXXX XXXX was the attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX. We asked for help with Bank of America she has a lot of problem with B. of A. they would hang up on her never returned calls asking for odd info this kept up for a year into XXXX. No payment have been made since then due to me trying to get a reverse mortgage. 
There was so much pressure on my brother that XX/XX/XXXX he gave up stopped his meds and then passed on the XXXX of XXXX XXXX. 
***** The rest of the information and finishing giving you all the important fact is continued on a PDF I have included along with lots of info from these companies and attorney. I did this as per speaking to your office earlier today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: No Experian free credit report. No number to talk to anyone there. Please help with this. Experian pretends like I 've already checked it, but this is false.

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 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received the loan from XXXX/Navient on XX/XX/2012. I began making payments almost immediately and tried to maintain a consistent re-payment of $ XXXX. It has been 5 years now and my loan is still in the high $ XXXX {$6000.00}. I have called Navient several times to try and figure out why it does n't seem like I 'm making a dent in my loan at all with all the payments I 've been making. Sometimes even paying more than the required amount. 
I have contacted Navient on numerous occasions to inform them of my financial hardships, attempting to lower my interest rate as well as my monthly payment amounts. All I was directed towards was forbearance ( pushing the payment due date back a month or two ). This was not my main goal, as I am and have been trying to pay this loan off for quite some time now. They always ask me if I 'd like to sign up for ANOTHER loan even when I call to get my current one resolved. I do n't get the sense they are eager to help me repay the loan or even work with me in getting it taken care of. It seems like any payment I make almost increases my loan versus decreasing it. I am running out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: sent several letters asking for verification of a discharged chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address. Never stayed at XXXX XXXX XXXX XXXX, Ms 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 04/25/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had   XXXX   XXXX   with  XXXX   XXXX   XXXX   XXXX   XXXX . When I was on the middle of my treatment I have received an statement with a total balance that according my calculations I am not owing. I have requested another complete statement with all the charges and the payments received from my insurance and from me, since I started my   XXXX   XXXX  .   When I reviewed the statement at home, I realized that there are charges as " miscellaneous insurance refund '' and " miscellaneous credit adjustment '' that are not   XXXX   XXXX  . they added 3 times similar amounts that totalize more than {$1000.00}. I was very upset and I have informed them personally and also over the phone about the error and that I am requesting the corrections on the amounts added. I was surprised when I have heard other patient complaining about the " miscellaneous '' charges on the statement too. I did a research in the internet and I found other persons with complaints for similar situations with  XXXX . I concluded that the charges are fraudulent and they did the same thing to several patients. In additi on one payment that my insurance sent to them is not reflected on my account and they refused to  correct that. I have documented proof that I am not owing the amount that they are trying to collect. I am an honest person, I always pay the debts I owe, but I am not willing to pay fraudulent overcharges, I have pay them my treatment I am not owing anything.

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