milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Billing disputes

Complaint: 1. In XXXX of XXXX, without notice I stopped receiving online bills in which I relied on to make my payments. 
2. In XXXX, XXXX I realized this and on XXXX XXXX I called to pay off the balance and cancel my credit card. I asked to have XXXX of the late fees removed in which the representative agreed to remove {$40.00} and told me that my final balance would be {$51.00}. I agreed to make a phone payment in which I was given confirmation # XXXX. I was told that my card would be canceled per my request and that my account would be closed. 
3. Then in XXXX I received a call from Macy 's credit department telling me that I owed more money and on so I looked up my account and found that on the XXXX statement, my final payment of {$51.00} was credited to my account as a payment but they never removed the late fee of {$40.00} that they agreed to. I was also charged another late fee of {$40.00}. 
4. On XXXX XXXX I called Macy 's back to resolve this and spoke with a representative who did not speak XXXX fluently and I had a very hard time understanding her. She also did not understand what I was trying to tell her. Because of this I asked several times to speak with a supervisor and after being put on hold 3 times with no result I asked to have a supervisor contact me and ended the call. No one ever called me back. 
5. I then went on line and sent an email to customer service and was given the same contact number I called on XXXX in which I was still waiting for a call back. ( see email response ) 6. I then contacted the legal team XXXX, out of XXXX and on XXXX/XXXX/XXXX a letter was sent out to Macys disputing the late fees they kept charging each month and asking for someone to contact us. ( see attached. ) 7. After no response and late fees continuing to be charged on late fees, I asked XXXX to send another letter which they did on XXXX/XXXX/XXXX, ( see attached. ) 8. And after again no response, I checked my credit report and found that Macys reported me late with a balance of XXXX. This amount is all late fees and interest that occurred during the time period that I was trying to contact them. They did not respond to either my calls or my letters.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. 

I and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 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: Credit inquiries on your report that you don't recognize

Complaint: I Contact ( Equifax Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ equifax ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ equifax AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ equifax AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 

-XXXX Auto Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Auto Fi Inquiry from XXXX XXXX, XXXX -XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX S Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX Auto Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter on the date of XX/XX/2018. In the attempt to collect a debt in the amount of {$600.00} my credit report was sent to XXXX XXXX XXXX. I would like to have this matter taking care of please.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding , LLC and their subsidiary, XXXX, XXXX, XXXX had a judgment against me in XX/XX/XXXX and garnished my wages for four months in XX/XX/XXXX collecting {$3100.00}. The debt I owed was {$2500.00}. The debt was paid and they have recently started garnishing my wages again in XX/XX/XXXX taking {$830.00}. I called the legal department of my company and she stated that they collected the funds in XX/XX/XXXX and she does n't understand why they are garnishing my wages again. I 'm filing a complaint because I believe they are unlawfully taking funds from my check now.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company reported an unsubstantiated debt to credit reporting agencies which adversely impacted both my credit and a financing application giving rise to damages of higher interest rates. 

The company failed to properly substantiate their clients claim of a debt owed. I in fact do not owe their client anything ; their client owes me several hundred dollars.

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 10/21/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.

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 explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR XXXX DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX SYSTEM YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED. MUST BE DELETED VIA COURT ORDER PAGE XXXX CHAPTER XXXX XXXX. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BANK BALANCE IS INCORRECT 5. XXXX BANK BALANCE IS INCORRECT XXXX XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS 7 XXXX CHAPTER XXXX SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 8. XXXX XXXX MUST BE REOVED DO NOT SAY VERIFIED NOT AUTHERIZED 9. XXXX BANK INQUIRY MUS BE REMOVED 10. XXXX MUST BE REMOVED DO NOT DSAY VERIFYED DO NOT PLACE FRAUD ALERT ON MY CREDIT

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 03/24/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Hello I have recently been a victim of fraud. I hired a private contractor to fix my home and gave him on separate dates ( two checks ) in the quantity of {$20000.00} and {$10000.00}. Both checks were cashed by this individual and he never finished the job. While working with police investigators and others, it was noticed that neither checka were ever endorsed by the bank that released the funds. I need Wells Fargo to look into this and to also make themselves responsible for my 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 10-02-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Mortgage has refused my request for mortgage assistance. I have repeatedly requested a modification. Since Chase received a bailout, Chase promised to help consumers stay in their home. Chase has a pattern of not granting modifications to XXXX residents. 
Now that I am back working, I can afford my mortgage payments. Chase is trying to force me to sell. This is unlawful and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with PLATINUM HOME MORTGAGE CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I transferred funds to my savings because Wellsfargo has a stopped payment to discover card on my checkings. So I moved 2 seperate amounts on Saturday, {$170.00} & {$1.00} to my savings for my bill payment of {$160.00}, the account had already been negative {$4.00} for a account fee of {$5.00}. I was told because it posted on monday then they hit me with an overdraft fee. Called them up and they could only offer me {$8.00} in credit out of the {$35.00} overdraft fee even though on Sunday the account balance was XXXX. XXXX took {$160.00} on monday, they claim overdraft services was used. Even though the money was already there. Customer service had apologized and said that 's all the bank was willing to offer.

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 04/28/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.

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 07/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 05/25/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XXXX   XXXX  2017 bank of america closed my savings  acc. they said someone wired to my acc. {$7800.00} from mobile app. they think it 's fr aud. i do not who know  sent . i  called them 3 times on the  XXXX   XXXX  of  XXXX  + they will not tell me anything. y our acc. is closed + you can never open up another one again but you can still use your credit cards. i want down to local bank + they could n't tell me anything. they said fraud can shut down anyone. i only had {$580.00} in acc. i did n't do anything wrong. i s till do n't have my  XXXX  my savings acc. was tied to credit cards with my points going to my savings acc. i 've had credit cards with them for  18  yrs this is crazy

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 02/17/2018 about Debt collection (Medical debt) with Accounts Management, Inc (SD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt collection company tried only 2 times in 6 months to send a letter telling me a medical debt from a hospital was with them. I had moved. I was not getting these notices. They said they tried calling me, they had an old number. I received in the mail at my new address a potential judgement from the clerk of courts. I called the debt collection company that of them I had no idea this was going on and I could pay {$500.00} a month til the {$2500.00} balance was gone. Of course it had gone to far. So I faxed the clerk of courts and stated what I just stated. I denied the claim because they only tried twice in 6 months to contact me and that I could and would work out a payment plan with them. Still the judgment came through today. Is this legal?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Installment loan) with Oracle Financial Group LLC. (VA).
Issue: Problems when you are unable to pay

Complaint: I received a call from number XXXX from XXXX. He left a voicemail saying a case was being filed under the county I live in.He did not provide the name of the original creditor that was collecting on this account. He said he was legally notifying me by phone and that I would need to call XXXX to speak to someone before the case was filed. He said if I did n't call the XXXX number, the case would be dispersed from their office. He also stated that, unless otherwise noted, I would be located and the matter would become a public record. He did not leave me the name of the company or that this was an attempt to collect a debt. When I call the XXXX number back, there was a recording for Oracle Financial Group. I have never received any correspondence by mail from this company or any other phone calls beside the one I received today. The call sounded very threatening.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX  consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from my credit report.

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 02-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Settlement process and costs

Complaint: In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me?

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