milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: my identity was stolen and the use it to open XXXX XXXX account and XXXX XXXX are charging me XXXX in late charges need to get this resolve to fix my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, I have been in dispute with XXXX account on my Equifax report, The accounts are as follows : XXXX XXXX XXXX ref # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the past month, I've been receiving phone calls on my cell phone from various phone numbers, all starting with XXXX. So far, there is XXXX ; XXXX ; XXXX ; XXXX ; XXXX. All starting with XXXX area code. I took one of the calls and individual addressed me by my maiden name, which I haven't used in 25 years. He insisted on me giving him information, though when I asked him from what company he would not tell me, only that it was regarding an outstanding debt. I told him I have no outstanding debt & that I have excellent credit, always have. I ended up hanging up on him since he was really pushing for me to provide information. I would not! The calls have not stopped. I looked up the phone number and the company name is Diversified Consultants , Inc . There are many negative reviews on this company stating they are scams and DO NOT provide any information. They do, however, manage to ruin credit for people. This is my great concern. As of last week, I ran my credit report and it is still excellent and no debt appearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Account Control Technology, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Was not informed about the charges or debt collection actions. Never received an opportunity to dispute debt before being placed on my account.

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 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I logged into my  wells fargo mobile account t o check if I had funds available to purchase clothing for my child, the mobile app reflected that I had sufficient funds. After the purchase was made multiple charges posted to the account lowering the available balance causing an NSF fee to be charged.  <P/> When I contacted wells fargo they wear willing to refund part of the NSF fee amounting to about {$3.00} that suggests they accept some responsibility.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 an account on my personal credit reports ( XXXX and Experian ) with XXXX XXXX/XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( Experian and XXXX ) in order for the collection to be deleted from my credit file and they have failed to do so.

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 05-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX XXXX with Equifax. They will not remove the item. I had to file a police report and have sent many letters to XXXX XXXX and they will not send me any information. I also contacted the " original '' debtor XXXX and they will not give me any information. This account is not mine. XXXX XXXX is a scam. Every time you call XXXX, they send you to voice mail if you want to dispute the charge and no one calls you back. I have written them and sent them the police report which they request when you dispute with Equifax. Now the Item needs to be removed as it is not mine and they will not provide me with any information on this account. I have also disputed this charge with XXXX and they must forward this info to asset which they have not done. Please remove XXXX XXXX ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my 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 09/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: IC SYSTEMS COLLECTIONS I am writing to request that this account collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.

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 03-01-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In 2015 I reported that I was having a problem with the XXXX major credit reporting agencies. I have recently found out that a settlement was issued. I like to know if I was a part of this settlement and if not why. Here are the reports I submitted to you agency. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: Chase Bank did not issue me " Chase XXXX '' and I did not have any " Welcome to Chase Mobile! " Log On and Enroll '' In addition, I did not get a new debit/checking account from Chase Bank, so I did not hear from anyone brings me check and did not pick up me bringing to XXXX XXXX XXXX or any place. I must be most upset for a long-waited for new banking account for debit/checking and I must disappointed with unable received a cash reward credit card. I did not happy with previous details that I had explained before complaint filed against Chase Bank for their refusal serves me with Chase Bank, so they still neglected against me with deaf and other reasons due to my protection privacy requests. Totaled Unresolved Problem with these above, did not hear from them. I am not happy with XXXX XXXX XXXX continually at requests to be printed record with CFPB at request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX, I contact personally a representative of TD Bank in XXXX Florida because I was trying for about 5 times to link my checking account with my XXXX  account and every time that I was executing this action I received a message in my XXXX account that said " TD Bank is blocking you from enabling external applications ''. This representative toll me that I have to wait 30 days in order to successfully link my accounts. No other solutions to this issue was offered. 
Then on XXXX XXXX, I called TD Bank customer service # XXXX, talked to a representative that told me that all the restrictions in my checking account were lifted and that I should not have any problem trying to link with my XXXX account. I tried to link the two accounts again with no success. 
Please can you help me to solve this issue?? I hope you will .... 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a debt collection notice from American Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Their bill clearly states that I was never sent a bill by the original company XXXX XXXX XXXX and that the charges were not included in any bills I received from my Doctor Or Hospital. <P/>In addition states falsely that I have not responded to them. That is not true. I did in fact call them as requested. <P/>The amount is {$85.00} I do n't believe I owe them this or anything else. This is also approximately two times that the amount they sent me originally and I called to protest that I received no bill from the original company. <P/>It all went through XXXX XXXX XXXX XXXX XXXX and I along with a rep from XXXX XXXX XXXX talked them on the phone and told them they were using the " wrong billing code ''. I have a mediation request # XXXX with The Texas Department of Insurance. So far they have not really responded with useful information. <P/>They threatened [ If we do not receive your payment, our client has authorized us to continue our collection efforts that can include the reporting of your unpaid account to XXXX or more national credit bureaus. We urge you to take care of this matter. You may call us at the telephone number above if you have any questions. Otherwise please mail your payment with the bottom portion of this letter. ] I believer this is a scam and totally illegitimate. <P/>States " Credit at risk '' all over it. <P/>There is no way this is legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My bankruptcy was XXXX/XXXX/09. Should n't this now be off of my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of fraud by Wells Fargo Bank. My account ending in XXXX was supposed to be a Saving account and then it was turned to a credit card. The representative told me that it would be treated as a Saving Account. Instead I received a Master Card in the mail with a 15 percent APR. After reviewing the recent scandal with accounts, I am too a victim of fraud. My APR is now 25 percent and this is not what I initially was informed my {$5000.00} would be used for. I would like to be included in any lawsuit pending against Wells Fargo and I have closed this account. Additionally, Wells Fargo reps have violated Fair Credit and Reporting Law by negatively reporting this account late even though I disputed the debt. Additionally, they continued to contact me after I repeatedly told them not to contact me by telephone after reps were rude and disrespectful. I want this account off 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 08-10-2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Reference CFPB Cases XXXX and XXXX CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XX/XX/XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XX/XX/XXXX ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total stated in their answer IS NOT THE CORRECT AMOUNT! The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because this mess caused by them, I just want ALL my money back ... just that. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX. This is the third time complaining about it, THIRD and CapitalOne is not solving it the way it should. I should suffer for someone else mistake. Attached the print screen of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: On XXXX XXXX, I was offered to spend XXXX and get XXXX Membership rewards points. On XXXX XXXX, I called to confirm the offer. They confirmed with me and told me it was the last date to meet the XXXX dollar purchase requirement. Today I called again. Now they are telling me it 's XXXX purchase requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Systematic National Collection, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about XX/XX/XXXX I mailed a letter Systematic National Collection ( SNC ) in regards to a {$390.00} collection that they posted on my credit report. My correspondence was to try to settle the aforementioned collection. I did not receive a response via mail, but they were still sending me a bill threatening to report the debt to all collection agencies if I did not pay. A few months later, I received a call from a SNC representative named " XXXX '' ( no last name was given ). During our conversation, he stated that they had received my letter but could not accept the amount I had offered to close the case. I explained my financial situation and how difficult it would be to pay. He stated that the best they could do was to waive any interest fees but I would still have to pay the full {$390.00} in order for that to be removed from my credit. With that in mind, I sent SNC a payment of {$390.00} ( as it is the amount shown on my credit report ) on XX/XX/XXXX. On XX/XX/XXXX, I called SNC to see if they received the payment and check on the process of removing the collection from my credit. I spoke with " XXXX '' who admitted that they had received the payment but went on to say that it was n't the full amount and that I also owed interest. He claimed that the amount on my credit report XXXX {$390.00} XXXX and what I paid XXXX {$390.00} XXXX were different and on top of that I still owed interest. He would n't let me ask questions to help me understand and threatened to hang up the call ( which he ultimately did ) because " I talked over him ''. I called back a minute later and spoke to a different representative and tried to explain the situation to no avail. That representative stated that there were no records of " XXXX '' offering to waive the interest fees and remove the collection from my credit if I paid the full {$390.00} amount.

Company response to consumer: Closed with explanation