milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX of 2016, my wife and I notice fraudulent activity on our Macy 's store credit card statement. We notified Macy 's of the activity immediately. They referred the case to the fraud department, determined that the activity was fraudulent, zeroed out the balance and closed the account ... or so I thought. Macy 's opened a new account without my consent. Now months later, the old fraudulent charges showed up on the new account that I did n't know was even open. I 've called Macy 's Customer Service and am on the phone with the fraud department again. The gentlemen has reopened the previous claim, and just told me that I have an active account with Macy 's even though I specifically requested closure of the account in XXXX and desired to no longer have a Macy 's account. Macy 's collection agency has called wanting me to pay off a cleared fraudulent charge and lots of penalties and late fees. I believe the fact that an account was opened in my name, without my consent or knowlege is illegal. I would like these accounts closed and I would like to have Macy 's reprimanded for these activities.

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 02/23/2018 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX  XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am using  XXXX , an app used to grant me access to my paycheck in advance.  XXXX  needs to be able to communicate with my bank in order to make sure I am able to receive my funds.  XXXX  has reported my bank delaying their response which effects how I get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with CORELOGIC INC (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: in violation of the fcra, credco continues to erroneously report my discharged bankruptcy past the 10 year non-reportable period. as a result I can not obtain mortgage financing. credco has flagrantly violated the fcra. 
on the civil side, I am represented XXXX. I am a highly skilled XXXX as well. if I am unable to obtain a very substantial settlement, XXXX will pursue this matter in each and every applicable federal and state forum. credco 's litigation costs would be staggering. while in office, XXXX championed consumer rights. he has told me that my case would be like taking candy from a baby!.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Item was supposed to be deleted. Have documents from XXXX XXXX, the creditor for the collections account on my credit report stating they requested Equifax to delete the item. Equifax did not delete. It was paid off back in XXXX and deleted from XXXX and XXXX. It only appears on my Equifax. They refuse to help me over the phone and made me wait 30 days even though XXXX XXXX sent the deletion request right when I called them. Equifax is ruining my life by keeping this on my credit report. I actually had a woman laugh at me on the phone on XXXX of the various phone calls I made checking the status of my dispute when I told her I was on the verge of being homeless because they wo n't delete this account. It was originally deleted in XXXX off all XXXX credit reports and then Equifax started reporting it again. I 'm tired of dealing with this. I did my part, so did XXXX XXXX. Now it 's time for Equifax to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have o knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX/XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Experian several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XXXX XXXX, XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XXXX XXXX, XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a collection notice in the mail, however never received a notice of right to dispute the charge. I do not have any outstanding debts and they are reporting to my credit erroneously. It appears this may be a scam to collect on debts that are not actually owed, because i have never received service from the medical provider that they are referencing, and as such there is no reason that i would have an outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, a dentist office in XXXX XXXX, NV, that my wife and I visited in mid 2015 is claiming that, after my insurance was charged, that we had a combined balance of {$21.00} due that was a result of their error. I just recently received a notice from my credit monitoring service that a collection company placed a collection notice on my credit report trying to collect {$52.00}. When I called the collection company to verify what this charge was for and for the break down, they informed me that it was a {$21.00} charge from 2 years ago that originated at XXXX XXXX, a {$10.00} finance charge from the same dentist office and then another {$21.00} fee from the collection company that XXXX XXXX used. When I asked for verification of the collection, they said that the office attempted to contact me several times, and when I asked why there was a {$10.00} finance charge when I never applied for credit or signed any type of contract with the office, the replied that it was the dentist charge. Along with the {$10.00} bogus charge, the {$20.00} charge from the collection agency is a tactic to get the bill over {$50.00} dollars and reported on someones credit report. When I asked the credit agent representative, why someone would go to this length to collect {$20.00}, the response was a laugh and saying she had seen worse or less amount. I offered to pay the balance due be the dentist office without even being aware of what it was and she said that I could do that, but would still owe the remaining {$31.00}.

Company response to consumer: Closed
Consumer complaint received 07-11-2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Other fee

Complaint: I have had an account with CareCredit prior to their changing to Synchrony from GEcapital. After XXXX work a year ago, I have been paying double the minimumPayment required, regardless, once my balance fell below {$150.00} on a " promotional purchase '', I found that I was charged almost {$600.00} in retroactive interest. I understand the concept which is why I paid $ XXXX on a {$120.00} min payment. I was told I was because I was not paying enough. I have no control over how the payments are posted. This is clearly a deceptive and misleading practice propagated by CareCredit!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have told XXXX Bank since XXXX XXXX to not call me. In XXXX XXXX they started to call my parents and my husband. They too have also told them to stop calling and in the past week XXXX XXXX > XXXX XXXX XXXX, we have all gotten multiple calls. I do n't know what else to do and was advised by my attorney to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
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: Since XXXX 2017 I 've been trying to resolve a dispute of {$2700.00}. My dispute has gone on deaf ears. I was charged {$2700.00} for a service that I 've never received. The company cancelled my service a couple days before The due date. They responded to the dispute credit card with a Copy of my signature on a contract that clearly stated if my XXXX was canceled by me they would keep {$100.00} of the money. Contract does not state what would happen if the surgeon canceled the XXXX. In my case the surgeon canceled the XXXX service. I did not cancel I was entitled to 100 % refund. Citi has not been helpful in my dispute. I Have sent several emails back-and-forth with the credit card company. including many calls. i was charged {$2700.00} by XXXX XXXX XXXX for a XXXX service that I never received and I 'm still required to pay. The credit card company is not crediting my account for that amount. Very same company named XXXX XXXX XXXX went ahead, without my permission and charge an additional {$100.00} of which I 'm also trying to dispute with the Credit card company and it still shows as processing. So far I 'm disputing two transactions that total {$2800.00}

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 07/20/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX from XXXX XXXX for Bank of America-Letter dates XX/XX/XXXX and Complaint number No. XXXX, that he claims to state in his letter that the XXXX XXXX XXXX XXXX XXXX Promissory Note and Mortgage was transferred to Bank of America in XXXX of XXXX. XXXX XXXX was shut down from the FBI, and filed Bankruptcy at that time. I DEMAND TO SEE THE TRANSFER OF SERVICING RIGHTS FROM XXXX XXXX XXXX XXXX XXXX TO BANK OF AMERICA, AND THE APPROVAL FROM XXXX XXXX THE PLAN TRUSTEE THAT HE GAVE PERMISSION TO MERS AND BANK OF AMERICA WHEN THEY SUBMITTED THE ASSIGNMENT OF MORTGAGE UNDER 11 USC 362 and 363. I DEMAND TO SEE THE ORDER JUDGE XXXX PROVIDED IN THIS MORTGAGE ASSIGNMENT TO BE GRANTED PERMISSION ALSO-Under RESPA LAWS I was required to get a notice from the Bankruptcy Trustee and Judge XXXX over XXXX XXXX XXXX XXXX XXXX XXXX of The Transfer of Servicing Rights to 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 10/18/2015 about Bank account or service (Checking account) with SCOTTRADE BANK ().
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX Time ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is an ongoing problem with Experian. I believe now after receiving my updated credit report that they are doing this on purpose and today I filed a complaint with the State Attorney Generals office and the FTC and am in discussions with an attorney about filing a lawsuit if this does not stop.
Experian is still reporting my XXXX XXXX Account as being late when in fact it was never late and they refuse to show proof that it was late. They are in violation of the law. I believe they are also violating the statute of limitations by reporting the account.
Secondly they have a written comment on two of my accounts stating that I have disputed them in the past which is a false statement and blatant lie on their behalf. They are stating that my XXXX XXXX XXXX Account in the comment section " Account information disputed by consumer ( meets requirements of the FCRA ). I have never missed a payment with this company so why would I dispute it? THEY NEED TO REMOVE THIS COMMENT IMMEDIATELY as it makes me look bad.
Then on my XXXX XXXX account Opened in XXXX of 2017 ( I have never been late on this payment as it is a new account so why would I dispute it? ) Yet they have a comment saying " Account previously in dispute '' this is a LIE and this comment needs t to be removed immediately.
It is very obvious that they are simply adding stuff to my credit report to get back at me for filing these complaints. It is also obvious that I must now file a complaint with the FTC, State Attorney Generals offices against the CFPB as you are not investigating Experian for breaking the laws. This has to stop!

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 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There were many inquiries on my account that were deleted and reinserted to my credit report without My knowledge. I 'm asking that these inquires be removed. To my knowledge that against the FCRA XXXX credit cards Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX DOB XX/XX/XXXX through XXXX, PA XXXX, I want this loan information immediately 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 09/28/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency sent a payment offer. Debt was two times paid via restrictively endorsed letter. Collection company has many other companies and re-lists debt via a subsidiary company. 
I have tirelessly requested validation of debt with collection agency and disputed this item XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Taking out the loan or lease

Complaint: I had no knowledge of this account. I tried to dispute this account before and no changes were made.

Company response to consumer: Closed
Consumer complaint received 04/20/2016 about Debt collection (Credit card) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Wells Fargo was hit again with XXXX in fraud accounts again. I received in the mail on XXXX/XXXX/XXXX a letter from Wells Fargo letting me know about my new account with them. I have attached the pages from the letter for you. I called Wells Fargo three times once on the 26th to tell them that is not me and they told me it is a fraud account. The fraud dept. will contact you on Monday. I called again on Tuesday because they did not call me on Monday and again I was told they are in the process and will contact you on Wednesday. I called Wells Fargo again on Thursday XXXX/XXXX/XXXX still not heard from anyone at the bank. Again Wells Fargo said sorry that they will contact me end of week. The first time I called they gave me a case number # XXXX. I am getting the run around with Wells Fargo and I believe because they are the one 's who opened up this account.

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