milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with CU Recovery, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2016 about Debt collection (Mortgage) with Williston Financial Group (OR).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to 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 05-05-2016 about Mortgage (Conventional fixed mortgage) with Home Point Financial Corporation (FL).
Issue: Credit decision / Underwriting

Complaint: I applied for a refinance cost out mortgage in XXXX 2016. I was conditionally approved within a short time. I have not been able to close on this loan, for reasons I believe are pretext to disguise discrimination on the basis of my age, XXXX, and race, XXXX.

Company response to consumer: Closed
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: North Shore Agency , LLC, still has not submitted the proof of payment, I sent to them from my bank, XXXX XXXX XXXX for the payment of {$270.00}, I supposedly owe to the original creditor, XXXX XXXX. Review Consumer Financial Protection Bureau Complaint : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is no phone number to contact Equifax. They are the only of the XXXX credit report agencies that have a bankruptcy listed and my score is low with them as a result. It should not be there and I 'd like them to remove it and update my score. I 'm in a rush because I have a boiler out in a rental property we own and it needs replacing. I need to get financing. Is it possible for you to help expedite?

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After chapter  XXXX  completion my credit report should show this debt as closed with a  XXXX  balance. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance.  Review  carefully and follow the law. This debt was discharged in  XXXX  and should show closed and   XXXX   balance. This company intentionally sent out an update after discharge that had inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax said my info has been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: When I opened my checking account online with HSBC it was advertised that I should get {$50.00} bonus for making a direct deposit to the account. I made direct deposit of {$500.00} on XXXX/XXXX/14, but I have never received {$50.00} direct deposit bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Private student loan debt) with States Recovery Systems, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am making a formal complaint about this debt from the University XXXX XXXX in the amount of XXXX, I have not received any notification about this debt since 2013 I have spoke to XXXX about this bill, with no response about a resolution. I am now being inform that the debt has been sold to a credit collection agency States Recovery System, Inc whom i have know contact information for or a written contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To Whom It May Concern : My credit report has address I discovered that are not mine on it and it contained some errors pertaining to the following my individual personal information. I am demanding that you promptly update and delete addresses that I never resided and may possibly be relatives address. These please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. 

My name is : XXXX XXXX XXXX, File Number XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX OH My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct. 
There is account I do not recognize from a XXXX XXXX XXXX # XXXX this is a error please delete!

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 01/13/2017 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: I have placed a request of transfer of Health Savings Account funds from HSA Bank to another custodian since early XXXX. I have contacted HSA Bank several times to inquire on the transfer status. Each time I am confronted with another delay and excuse why they wo n't release the funds. The last time ( XXXX XXXX, 2017 ) I was told that they require up to 6 weeks to process a payment. It is beyond reasonable that a banking institution would require such a duration to perform an action like this. At this point, I believe the funds are being withheld with undo and intentional delay for financial gain of interest and/or fees by HSA Bank. A definition of fraud is a deliberate deception to secure unfair or unlawful gain, or to deprive a victim of a legal right.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/XXXX I deposited {$500.00} in my bank account. Partial Cash and Partial Check. The cash cleared immediately while the check funds were on hold. Despite the funds being in my account on XX/XX/XXXX Citizens Bank charged me {$170.00} in overdraft fees and charges and refused to waive even one of those charges. This happens on a regular basis and they have charged me nearly {$2000.00} within the past year. Citizens continues to maliciously manipulate my funds in order to charge me additional fees. If for some reason I accidentally fall short I immediately put funds in there the following morning. Citizens will then immediately charge me an overdraft charge of {$35.00} and take whatever funds I deposited in my account. My ledger constantly changes and charges move up and down the deposit line how Citizens Bank see 's fit. They then blame it on the merchant. I go to the same places daily and deal with the same people daily. The merchants are not the issue here. Citizens Bank is the issue. They are the most deceitful bank I 've ever had the displeasure of dealing with. Their employees are extremely rude and unhelpful and I for one am tired of being treated like a second class citizen just so I have the ability to pay my bills online. I find their way of conducting business bordering on criminal and their fees are highly excessive. They manipulate your funds so that they can maximize the fees they charge you. So instead of one fee they will manipulate your funds so that they can charge you three instead. This company must be dealt with immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NM).
Issue: Account opening, closing, or management

Complaint: Wells Fargo reported on my credit report falsely. They claim I had a missed payment of {$0.00}. I want that removed, since I never had any missed payments.

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 10/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Credit card protection / Debt protection

Complaint: Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.

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 03/25/2017 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX overseas in XXXX and I made a purchase on PayPal for some documents for my XXXX online program. I called and told PayPal that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. PayPal still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from XXXX. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with PayPal. I received no letter from PayPal, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from XXXX asking for settlement for XXXX on the PayPal account.

Company response to consumer: Closed with explanation