milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (WA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a BBVA Compass checking account after seeing advertised terms for {$200.00} bonus they were promoting for new accounts. Terms required a minimum of {$300.00} direct deposit into the checking account, which I met TWICE over, first on XX/XX/XXXX and again on XX/XX/XXXX. Advertised terms said bonus would be posted within 60 days - I inquired about not receiving the bonus yet with the bank, but no response.

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

Complaint: My personal information was compromised. A group of knowledgeable players knew this a month ago and said nothing to 45 % of Americans. But they sold their stock in Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (GA).
Issue: Fraud or scam

Complaint: Hi this incident was happen when I was trying to wiring money from my checking account from XXXX XXXX XXXX to the closing attorney office amount of {$8000.00} for closing on a property on XX/XX/XXXX. After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the XXXX XXXX XXXX to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in Citibank bank XXXX at address : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX and this was not the account we expected our money going into and I called to report the fraud on that wiring to the XXXX XXXX XXXX XXXX XXXX and they were able to stopped transection and had the the case # XXXXXX/XX/XXXXon this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the XXXX XXXX XXXX XXXX let them know I still did not have the refund from that wiring and XXXX XXXX XXXX told me that Citibank needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : Citibank ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between XXXX XXXX XXXX and CitiBank and I have been calling XXXX XXXX ( XX/XX/XXXX) and XXXX XXXX ( CitiBank ) and I got no help and they told me now money is holding at Citibank and they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 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 11/21/2015 about Mortgage (Conventional fixed mortgage) with INTERNATIONAL CITY MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with International City Mortgage ( ICM ), serviced by XXXX. I have an escrow account to save monthly for County ( Property ) Tax and Hazard Insurance. On my Annual Escrow Account Disclosure ( dated XXXX/XXXX/15 ) I noticed a withdrawal from my escrow account in the amount of {$220.00} for " Misc Escrow '' back in XXXX 2015. I received no notice that this amount was being deducted from my escrow account. I do not know what this withdrawal is for ( ICM / XXXX provided no notice or accounting of the {$220.00} they " stole '' from my escrow account ). I contacted XXXX to find out about this withdrawal ; they said that it was paid to the mortgagee, ICM ( per XXXX XXXX of XXXX ). The XXXX $ due to ICM, that I am aware of is the monthly mortgage payment ( they have no business taking $ out of my escrow account ). I asked XXXX XXXX why, and he could not answer other than the $ was their 's to take. I asked for a full accounting and reason for the deduction. XXXX XXXX said XXXX would do that, but has not to date ( several weeks ago ). I would like the {$220.00} that was stolen from my escrow account by ICM and/or XXXX returned. ICM / XXXX has not provided any notice for the withdrawal or legitimate reason for doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: experian dispute report came back with same wrong late payment when i was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I signed up for Experian on XXXX. I had the free account but then it offered {$1.00} for 7 days monitoring and you are supposed to be able to cancel within 7 days or you get charged {$24.00}. This happened on XX/XX/XXXX. I cancelled on XX/XX/XXXX. Today I checked my bank account am being charged {$24.00}. I called and they claimed I cancelled the free account which makes absolutely no sense. So they claim I had two accounts which again makes zero sense. They will try to secretly charge you hoping you wo n't notice. How is it possible I suddenly would cancel a " free '' account and not the account that was charged the dollar. They offered the refund but couldnt explain to me why I had two accounts. Beware of this company because they try to pull people in by saying being free but it is a sham. XXXX was the one I spoke to and told me she was a supervisor and there was no one above her and no one else to talk to unless I wanted to write to a XXXX XXXX . She talked over me and had no explanation as to why this happened.

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 09/23/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently subscribed to XXXX, and received a phone number that previously belonged to someone else. The person who had this number obviously owed some company money. They keep calling my number, saying I 'm that person who 's liable for this debt, even though I give them my name, and tell them I do not know the person whom they owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX for a account that is {$0.00} and was open XX/XX/XXXX to come off my credit report. The letter was returned mail. So I sent Equifax on XX/XX/XXXX a returned mail letter stating that the address they use to report on my credit report is false information and should be delete off my credit report. They send me a update of the address but the old address is still the same on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a second name that is not mine and never has been and there is also an address I 've never lived at or received mail at.

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 10/20/2017 about Debt collection (Other debt) with The CMI Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed {$850.00} to XXXX XXXX. I have never used XXXX and have never had cable. I went online and it seems they are sending out letters to people saying they owe money for Cable services they never received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (Gift card) with INCOMM HOLDINGS INC. (AR).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: My name is XXXX XXXX and i bought a {$50.00} XXXX gift card from an XXXX XXXX near my house ( Address : XXXX XXXX XXXX  XXXX XXXX, AR XXXX ) and since i bought it it has not allowed me to use it or activate it at all. When i call customer service they tell me my card is expired and empty ( i never used it and it should never expire ). I need help because i need to pay my bills with that money and im really stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: SOUTHWEST CREDIT SYSTEMS , L.P . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SOUTHWEST CREDIT SYSTEMS, L.P. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYSTEMS, L.P.any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WV).
Issue: Using a debit or ATM card

Complaint: I was recently a victim of identity theft as my debit/check card information was compromised and XXXX individuals ( I know this as the local grocery store has them on video surveillance ) used my card information to purchase a {$1000.00} money order, ultimately charging my account {$1000.00} with the associated fee. I notified Chase of the transaction within 24 hours of it occurring, cancelled my card, and submitted a claim for the amount to be reimbursed. Chase, however, decided that it was a valid transaction and has charged me the {$100000.00} even after notifying them of the filed police report, video surveillance, etc. I have now involved a local attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: the bank : Bank of America has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with 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 monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i received a letter  from Midland credit, I disputed the collection requested verification and validation which was not received. I received a letter stating I created a payment plan and made a payment to Midland, I wrote Midland  disputing that I have had no contact nor made a payment and did not receive a response. I also disputed this with  XXXX  which they removed but   XXXX    and  XXXX   XXXX  refuse to remove, documents were sent as well. In addition, this has changed the date for the statute of limitations on this account and will now the new date is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. XX/XX/XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I feel I am being ripped off by a XXXX " membership '' fee.In the past the branch manger waived the fee for me which proves they feel they are ripping me off. Now that branch manager is gone last year the branch manger said " I will not do this waiving of fee for you anymore. I feel charging me an extra {$50.00} a year is not fair? they are making money on my loan already. Is this annual fee excessive??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have two inquiries on my Transunion Credit Report which I didn't authorized the inquiries are XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I want both inquiries 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 05-10-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  Barclaycard  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance of {$0.00} and is closed out. 3 months later, I receive mail from  XXXX   XXXX   XXXX  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore debt.  XXXX   XXXX   XXXX  stated they bought the debt from Barclaycard. After dozens of phone calls, neither company can help me. Barclaycard has hung up on me many times when asking how to handle this.  XXXX   XXXX   XXXX  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (TN).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Experian charged me twice to freeze my credit, but did not freeze my credit reports. 

I needed to freeze my credit because there was a fraudulent transaction by a third party trying to purchase Experian services in my name. 

I followed the instructions on the Experian website for creating a credit freeze, however Experian said it could not apply the freeze. However, they charged me the {$7.00} fee. 

I thought the problem was that I was using a new credit card, so I tried again using an older card that would be present in Experian records. Again, they refused to apply the credit freeze, but charged me the {$7.00} fee!

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