milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2017 Midland Credit Management ( MCM ) contacted my husband at work at an inconvenient time for him to be getting a call. He calls back to inquire as to the purpose of the call and the representative he spoke to identified themselves as a debt collector and the purpose of the call was to collect a debt. 

The representative proceeded to tell my husband ( a 3rd party person ) the amount owed and how he was going to pay it. My husband told the man that he just broke a federal law and hung up. 

I called the company and authorized my husband to speak to them on my behalf just this once in regards to the debt. My husband called them back on his break and asked for a representative from the US and was placed on hold for over XXXX minutes and hung up as he had to get back to work. In XXXX minutes, MCM called him 2 more times while at work resulting in harassment. 

The following day, XX/XX/2017, MCM contacted my husband again in regards to the debt while at work. After my husband got off of work he called them back to verify if it was the same company. Another representative proceeded to tell my husband that it was an attempt to collect a debt and provided the amount owed. 

Twice in 2 days MCM has broken FDCPA law by speaking to a 3rd party about my debt owed and attempted to collect from him. FDCPA states that a debt collector may not discuss the debt with a 3rd party and can only call a 3rd party one time in order to locate the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep mysel f protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

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 11/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: I was charged an erroneous amount of {$38000.00} by American Express which i disputed. Amex filed a complaint in Superior Court, XXXX XXXX, New Jersey.I won the case, and the Judge issued a Civil Action Order of Dismissal on XXXX XXXX, 2014. I sent the dismissal order to the XXXX credit agencies immediately. To date, my credit report shows the {$38000.00}. items as a past due item that was charged off. I sent XXXX more copies of the dismissal order but the credit agencies continue to ignore the order. I have suffered financially because I have been turned down for loans because of this item, and some of my credit cards have been cancelled, and the interest rates were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello someone wrote a check to me for a job that I got and I guess the check I deposited the account was closed. I went to get my XXXX dollars out for car repair this morning and it would not let me. They closed my account because of a check that someone else sent me. It was 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 non-monetary relief
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my XXXX XXXX credit score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank NA made a hard inquiry on my credit report without my authorization or application for credit. There was no authorization for this inquiry which occurred on XXXX/XXXX/2016. I contacted Citibank via phone and they denied having made such a credit inquiry and was notified that they had no information as to an inquiry being made on my credit account and that no new account has been applied for, nor opened. I disputed the inquiry with the credit reporting agencies, through your organization, and supplied with the outcome that the inquiries were made by Citibank and would remain on the account unless directed by Citibank to remove them. According to the consensus on the internet, there seems to be many individuals experiencing this unauthorized access by Citibank , NA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with Alliance Data Card Services (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Unknown callers are constant calling me from XXXX credit card. Everyday. I 've set up a payment arrangement with a lady and let her know I can only pay a small amount. A gentleman recently called and told me I 'm refusing to pay and do I have a lawyer and said it was my problem I have to deal with. I do n't appreciate that. I feel threatened. I work and I 'm having financial difficulties. I have a family I have to take care of. He continued to argue with me over the phone. His name he told me was XXXX. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked to have negative collection account information removed from my credit report since this erroneous charge off accounts are over seven years old from the original creditor and a debt collector keeps refilling or changing the date of the delinquency.

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 01/28/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Credit line increase/decrease

Complaint: For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with KEYCORP (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither   XXXX   XXXX   recovery program,  Keybank  's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation.   As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness.   The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success.   Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied.   After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator -  XXXX , that a  XXXX  interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes.   I 've have never felt so vulnerable, hopeless and a victim of predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Recovery and Collections, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I HAD LIVED SIMPLY SHORT TERM CONTRACT APARTMENT WHICH IS NEAR XXXX AREA STUDIO COMPLEX APT , CITY OF XXXX, XXXX. 
I ALMOST LIVED APARTMENT NAMED AS XXXX AT XXXX, XXXX, LEFT CONTRACT PERIOD 1 OR 2 MONTH. 
AT THAT TIME I HAD GOOD PAYMENTS SO FAR, THEN I HAD CONTRACT JOB AT XXXX, XXXX CONTRACT TRAINING BEGIN THERE 3 MONTHS SCHEDULE, PROVIDED EMPLOYEE DORM, IT WAS XXXX XXXX COMPANY. 
SCHEDULE ARRANGEMENT FROM CO. ON CALL JUST BEGAN AND I WAS LIVING MYSELF IN APT , SO I MADE EXCUSED TO APT MANAGER FOR THIS MATTER,, I EXPLAINED THIS SITUATION AND APT MANAGER UNDERSTOOD AT THAT TIME, SO I MADE A DEAL MY SECURITY DEPOSIT WILL GIVE APT MANAGEMENT, AND NOTICE THEM ABOUT 1-2 WEEKS, SHE TOLD ME NO PROBLEM AT THAT TIME, I HAD INSPECTED AND GIVE APT DOOR KEY, AND MOVED OUT IN CLEAN CONDITION. UNFORTUNATELY APT MANAGER REPORT ON MY MAJOR CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied and was approved for CitiBusiness AAdvantage Platinum Select credit card on XXXX XXXX XXXX. As the part of the new account, I was supposed to receive XXXX bonus miles after spending {$3000.00} in 3 months after account opening. 

Terms said that business does not qualify for bonus miles if a CitiBusiness AAdvantage account has been opened or closed in last 24 months. I have attached the screen shot of the application and its terms. I HAVE NOT opened or closed a CitiBusiness AAdvantage credit card in last 24 months but representatives that I spoke with over the phone and via email keep suggesting that I do n't qualify for the bonus because I have opened or closed CitiBusiness AAdvantage credit card in last 24 months. I have repeatedly told them that I have not opened and closed a business credit card in last 24 months. On my last phone call I spoke to the supervisor XXXX XXXX XXXX ) and she told me that I am not going to get the bonus for the CitiBusiness AAdvantage credit card because I recently opened a personal credit card. 

That is absolutely false advertising when terms of credit card clearly state that I can not have opened or closed a business credit card with no mention of personal card. Supervisor XXXX proceeded to tell me that I do n't know what the terms say but Citi does not issue bonus miles for Business Card if you have even opened a personal credit card. This is grossly unfair and fraudulent advertising of trying to falsely get consumer to open new accounts and then not honor the terms of the bonus even when consumer has done everything expected under the terms of account opening.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has given my personal information to unknown individuals exposing me to the possibility of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (MI).
Issue: Application, originator, mortgage broker

Complaint: I was debt free with a paid for house when I got married. My wife 's name never appeared on the deed to the house. Yet she fraudulently obtained a {$97000.00} loan from XXXX XXXX XXXX in 2007 by forging my name on the mortgage application. The notary seal is n't even on the same page as the signatures. I am currently making {$780.00} payments to M & T Bank. 
My wife took out several credit cards in my name and opened an account at a big box store. She also removed {$21000.00} from her XXXX retirement account without my required signature. In total she stole {$250000.00}. She was charged with identity theft and XXXX counts of credit card fraud. She pleaded guilty of identity theft and the other charges were dropped. In total she was ordered to pay me {$5000.00}. 
My divorce lawyer called me a liar concerning the mortgage fraud and continually told me to shut up and stop whining. I do not have the money for an appeal. I have filed a complaint with the Attorney Grievance Commission of Michigan but I am not optimistic on that course of action. 
Recently M & T Bank contacted me to offer a reduced mortgage rate loan to lower the 7.75 % I am currently paying. Then they told me that they could n't give me a loan because my credit is so terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit line increase/decrease

Complaint: This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( XXXX ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I HAVE HAD NUMEROUS CALLS FROM PORTFOLIO RECOVERY ON A DEBT THAT I AM NOT SURE I OWE. WHEN ASKED MULTIPLE TIMES TO SEND ME IN WRITING THE ORIGINAL FACTS THEY REFUSE AND THREATEN ME WITH JAIL. THEY HAVE CURSED AT ME AND SAID I HAVE COURT DATES AND SUBPEONAS THAT IVE NEVER SEEN.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX/XXXX/XXXX, I called Bank of America to report unknown charges. My debit card number had been stolen and used it 25 times at gas stations within a 9 day period for a total of {$700.00}. 

While I was on the phone with them, more charges were coming in. There were charges in XXXX which were legit and showed that I was in XXXX at the time of all of these charges. They gave me a temporary credit in the amount of {$680.00}. 

On XXXX/XXXX/XXXX, without any explanation, they denied my claim and reversed all of the temporary credits. The letter they sent simply stated that they had reviewed my case and found that these were not fraudulent charges. That was it. 

I have called almost daily since XXXX/XXXX/XXXX ( the date I received the letter ), trying to get an explaination and documentation as to their findings. I have repeatidly asked for my money back. I have spoken with a manager in their Delaware location named XXXX. While on the phone with XXXX, she makes you feel as if she is on your side and understands and agrees with you. She states that she will contact the claims adjuster (? ) and that she will call me back with information. She has NEVER called me back even once. 

Here we are a month later and I have no further information from them and I 'm still out {$700.00}. And at this present moment, I 'm waiting for XXXX to call, which I already know will never happen.

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