milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with ProCollect, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is the second complaint filed with this company Procollect. I have faxed on XX/XX/18 notication of fruad/identify theft regarding collection on my credit reports. I am XXXX  and live on a fixed income and for this reason I would not authorize anyone using my personal information. I'm requesting deletion of this collection be removed from my credit reports. Please see attached.

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 04-02-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ... 

Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Gentlemen - I recently received a letter from XXXX dated XXXX XXXX 2017, stating that Equifax had suffered a data breach, and that XXXX was working with Equifax to learn more about the event. I have been encouraged to take several actions of which I have done, in addition to which is file a complaint with the Federal Trade Commission. I was told in this letter that you maintain a database that law enforcement agencies use for investigations and that filing a complaint will help you better assist me should I become a victim of identity theft. 

As a consumer I can not express my outrage strongly enough at the lack of responsibility Equifax has shown in this failure to safeguard and protect my personal information. As much as I despise the power which has become inherent in the credit monitoring and reporting system, I have played by the " rules '' and have established an impeccable reputation which now is threatened through no fault of my own. This is inexcusable and infuriating! 

Please place my information into your database so that, should I fall prey to these evil perpetrators, I might be able to take advantage proactively of any restorative services you make available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Loan #  XXXX  The   XXXX   XXXX   XXXX   XXXX    XXXX  FKA the   XXXX   XXXX   XXXX   XXXX   as Successor indenture Trustee to  XXXX   XXXX   XXXX ,  XXXX  as Indenture Trustee for the  XXXX    XXXX       XXXX   XXXX   XXXX   XXXX  , Serie s  XXXX  We  have been unable to pay the amount due as we have fallen behind/short some months ago due to major increase in the monthly mortgage payment, My wife  XXXX  and I have recently separated. Im a   XXXX   XXXX   XXXX   and due to the market Ive had a drastic decrease in income. My wife currently working  part time and is searching for something more full time.      BAC modified the first loan in  2009.  we need help with the second loan. Our intention is to keep our home with the help of a reducing our monthly mortgage payments in order to get back on track. We have reached out to Bank of America asking for assistance with a Modification and I 've been declined assistance.

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 06-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: Bank of America unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Bank of America 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Bank of America continues to attempt to derail my efforts anytime I call in.

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 03/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My husband XXXX in XX/XX/XXXX. Wells Fargo Bank allowed my stepson to put a death hold and freeze on my husband and my joint checking account on XX/XX/XXXX after my husband XXXX. My stepson went to the bank using my husband 's outdated will stating that he was the executor of my husband 's will ( he was not, my husband changed his will and I was the executor ). For two months this account was frozen and it was only released by Wells Fargo when my attorney threatened Wells Fargo with legal action. My stepson had asked the judge of probate to freeze this account on XX/XX/XXXX and when the judge refused because the account was in survivorship to me the stepson went to the bank with the outdated will. Wells Fargo should never have allowed this to happen. I would like a written report of what happened that Wells Fargo allowed the stepson to interfere with this account when his name was not on the account. I believe that fraud was committed and I would like a written report of what happened. Wells Fargo has been uncooperative and will not answer questions. I believe that I deserve a report of what happened that an unauthorized person was allowed to freeze my account. XX/XX/XXXX and XX/XX/XXXXat Wells Fargo worked on this complaint. The case number is XXXX and the reference number is : 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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I no have any account with bank of america

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I received the following email from Experian on XX/XX/XXXX ( full text of email is shown ). Then when I looked at my account yesterday, it said I was being charged {$19.00} per month. When I called the membership department, I was told that the {$4.00} was a one-month trial and that the website explained the higher monthly charge. 
However, I believe this is quite deceptive advertising, because the email does not ever mention a one-month trial or the higher fee. The website was difficult to navigate but I thought I could trust the email from a company like Experian. 
I am on a limited income so I had no choice but to cancel the account. 

XXXX Experian Membership ID # XXXX  Member Sign In New level of protection As identity theft increases, it's time for you to increase your control and level of protection in XX/XX/XXXX. For just $ XXXX/month, you'll get ability to lock your Experian credit file and block identity thieves from accessing it. 

Up your protection More benefits that monitor your identity and credit Experian CreditLock Lock your Experian Credit File instantly to prevent new credit accounts from being opened in your name. 
Dark Web Surveillance Alerts you if we find your personal information on the dark web. 
Experian Credit Report & FICO Score Keep track of both, refreshed every 30 days upon sign-in Hard Inquiry Alerts Be alerted if someone conducts a hard inquiry into your credit, as these can lower your score. 
Protect yourself 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 03/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. 
While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. 
The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. 

It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. 
Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX, I pulled a copy of my credit report from Experian. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to XXXX disputing said alleged account and asked for validation. 

Experian failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Experian requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Experian marked my credit report as being " disputed '' ; although, Experian continues to report said item.

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 09/25/2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Billing disputes

Complaint: I have had this card for years with Chase freedom. Always have paid on time. We have had a XXXX balance for a few months and put a camping reservation charge on. During sometime they switched my billing to paperless with out my approval. I did not receive my bill then received a late fee notice, also putting me in delinquent status. I called and they switched me back to mail billing and sent a bill. Also was told the fee would be reversed. We then payed more than half of what was owed, {$45.00} of {$76.00}. We payed this 2 days after receiving it. The next bill came in the mail the following month. They charged another late fee along with reversing the original fee. I called and they said we did n't pay the minimum payment. They said they could do anything about it. Even talked to the supervisor. I canceled this account on the spot! This can not be legal..

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: bureaus all 3 will not correct inquiries online and want remove the false info

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Deposits and withdrawals

Complaint: My encounter with citizens bank has been horrible. Terrible customer service representatives horrible and very unfriendly people. My account was hacked and I incurred charges that were not mine. I 've yet to be completely compensated for all the of this. I call and call. And get hung up on again and again. I just wanted my account close!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have two separate loans with this company and when I sent them two payments they purposely apply the payment to the wrong account. Over the years I 've paid more interest on the account than what 's been applied to the principal. I make timely payments and yet the amount that I owe has not been reduced at all. AES makes it almost impossible to paid off my student loan due to the manner in which it applies my money to the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I received a call from " XXXX XXXX XXXX '' about a derogatory account with XXXX XXXX totaling {$1100.00}. This account used my social security number and my maiden name, which I have not used in 7.5 years. I informed them this was not my account and I was not aware of it before that phone call. As instructed, I sent an email to dispute the said account. I did not receive any feedback from this process. I called the company again and sent the same email again on XX/XX/XXXX. I still did not receive any feedback from this dispute process. This account continued to reflect negatively on my credit report, and has dropped my score approximately 100 points, despite being a disputed account. On XX/XX/XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX about said account. I was met with many rude people at XXXX XXXX. When asking about my account I was met with XXXX as I did not know the address or account number to an account that was not even mine. I stayed on the phone with an associate for over an hour, and was then disconnected by no means of my own. During this time I discovered the account was created in XX/XX/XXXX, when I was XXXX years old. I never placed these orders and never received any of the products in question. I am upset because the level of customer service I have experienced was atrocious, and because despite disputing the account, it has continued to wreak havoc on my credit score. XXXX XXXX is currently sending me a " fraud packet '' after three months of disputing the account.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Closing/Cancelling account

Complaint: Credit card companies will permit people to open accounts online and apply for credit on line but they will not allow a person using the exact same credentials that they had to open the credit card on line to close it on line. Their instructions to cancel are misleading, they tell you to call in on an XXXX number however there is no choices on the message que to pick from to cancel. so you have to sit and listen to all the que and then wait for someone to finally pick up after you wait on hold for ever. Then they tell you that unless you are calling from the phone number on the account then you ca n't cancel of which you have to have information that you probably keep hidden somewhere else. closing an account should be as easy as opening an account and making it this difficult to close an account should be against consumer policies. If I an open it on line then I should have the exact same rights to close it just like I opened it with the exact same credentials. No wonder there is so much fraud out there. You make it so easy to open it and so difficult to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Mortgage) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX. stating that I owe {$2800.00} for a creditor ( company name XXXX ) on behalf of XXXX. I am up to date on my mortgage payments to XXXX, so therefore do not owe this money.

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 12/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 03/23/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I contacted XXXX on XX/XX/XXXX and I explained to them in full detail that my home was in foreclosure and my sale date was scheduled for XX/XX/XXXX ... .I told them that I wanted to keep my home. I paid them {$2200.00} in XX/XX/XXXX ( drafted from my account ) for them to either stop the sale date or put it on hold to work out a loan modification plan. I was notified on XX/XX/XXXX that my home sold on XX/XX/XXXX and then they took another {$500.00} from my account in XX/XX/XXXX and stated they would try to have the foreclosure rescinded or get me cash for keys or a rent back option or they would file a consumer financial protection bureau complaint against them. Whenever I try to call or email or leave a voicemail with several individuals within this company ... .no one will contact me. No one EVER answers their phone, they have an answering service who ALWAYS transfers your call to a voicemail. No one responds to emails or voicemails until after it's too late. I have since closed my bank account to prevent them from drafting more money from it. To my surprise, I got a phone call from someone in the accounting department from XXXX today ( XX/XX/XXXX ) stating that my payment wasn't received ... .I explained to the gentleman all of my frustrations and told him that I would NOT pay them another dime for anything and he hung up on me. This company is a crook! I am currently 2 months into the 6 month redemption period of my foreclosed home ... ..I want some legitimate help redeeming my home! I want this company stopped once and for all and I want my {$2700.00} back please.

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