milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: In XXXX of 2014, a debt collector working under STP attempted to contact me at work. When I spoke to them during work hours, the rep told me that if I chose to not take care of the debt today that they would send someone to pick me up that day and proceeded to ask if my mother ( and asked about her name ) would be home that they would be waiting there too. I spoke to a supervisor at that time and she took my card information down so that they can retrieve the funds. I received a call from my father today claiming someone called him on his cellular phone, which I never provided. I call the number ( XXXX ) XXXX and the rep I spoke to was from a law firm that STP hired to settle this matter in court and that I never finalized payment. I agreed to pay off the debt on the phone in payments. I look up the number after the conversation and it is a debt collector. The way they contacted me, my workplace and my father was not right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: I worked for XXXX XXXX for 14 years ( XX/XX/XXXX-XX/XX/XXXX ). I used my Bank of American/XXXX XXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XX/XX/XXXX and for the previous 3 years, I was the XXXX of XXXX for XXXX. 
XX/XX/XXXX, the company was forced to close due to XXXX of the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made BY XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of approx $ XXXX plus fees I continued to pay my personal charges monthly until XX/XX/XXXX, when they did this and would not budge. 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years and I need help XXXX had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (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 an inquiry from Barclays on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted Barclays 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on 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 02-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Billing disputes

Complaint: I have a PayPal credit account. The credit account includes credit from PayPal directly, and a link to my XXXX credit card. I once paid a PayPal credit bill using direct pay from my bank account. On XXXX XXXX, PayPal, without my consent, or any notice to me, debited my bank account for a PayPal credit transaction. I never gave authority for PayPal to ever directly charge my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm a XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX HAS INSTRUCTED A 3RD PARTY TO PUBLISH A DEBT THAT IS NOT LEGALLY OWED. This is a Violation of the FDCPA and contempt of Court of the Federal BK Discharge. That XXXX has instructed a 3rd Party to POST ONTO MY DOOR THAT I OWED MONEY OF {$650000.00} when I do not. They have caused to tarnish my reputation, Cause Slander to my Title and this is libelous. They had instructed an Auction Company named as Quality Loan Servicing to Publish this Debt as owed - They instructed XXXX as Attorney 's to Publish a Debt that they knew was no longer considered as owed given the discharge. Then on top of this - during a work out request had wrong figures from prior - during an open dispute acknowledged the dispute ; moved to set a Sale Date by Posting NEW FIGURES AS CLAIMED AS OWED. This is not true this is illegal collection practices. There is an open CFPB Complaint at this time on XXXX for having not credited principal payments made prior to this entire fiasco with XXXX. XXXX has an open dispute since XX/XX/2017 and however during this open dispute since prior to this date - XXXX went behind my back to file a Sale Date AND POST AND PUBLISH FIGURES THAT I DO NOT LEGALLY OWE AND WRONG FIGURES from priorly been claimed pre-bk. That this is tarnishing my reputation and against the FDCPA given that IF they are claiming a power of Sale then they can not make up numbers being owed that are not owed. They can not claim ANY Debt is owed and Can not continue to harm me in this false and illegal claim that violates the discharged figures. This is absolutely causing harm to my well being and has caused immense harm. The unfair business practices are non stop. XXXX failed to provide my mailing to the 3rd party so that this caused the posting to be published in a XXXX page separately posted to further cause embarrassment and ridicule. Posting a Sale and making False Claims. This caused the 3rd party to PUBLISH INTO THE XXXX NEWSPAPER THAT EXACTLY WHERE MY CLIENTS ARE LOCATED. THIS IS RUINING MY BUSINESS PROSPECTS AND FURTHER PUBLISHING A DEBT CLEARLY NOT OWED. 
This firm has been non stop burying me in paperwork. IN the meantime - The Debt being published claims I owe : {$650000.00} when I dont legally owe this. This is Illegal to publish this as a debt owed. These are slanderous and libelous acts to cause harassment. Their has been no good faith efforts by XXXX NOR XXXX. This has been extensively cruel, abusive and illegal. The facts remain that this shoddy servicing has only caused harm to my property, my property rights, interfered with income and reputation on every scale. During an open review they posted and published this and have continued to act in deceptive ways to cause me harm to my well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
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: In response to : XXXX I went into my local branch at Bank of American to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly by going into a local Bank of America branch and being told recurring payments were setup properly. 

I then went back into my local branch and was told that I needed to fill out a form and this is why the automatic payments were not setup properly, this is not true. 

I was able to have my son help me do what an employee of Bank of America said he did and that was setup recurring payments. I was able to log into my account online and successfully setup recurring payments. 

The payments were made as one-time payments because the employee from Bank of America didn't do what I was told was done otherwise this would not have happended. 

Attached is proof that I have been getting the runaround. 
1. Told by employee that automatic payments were succesful 2. Then told I needed to fill out a form ( which I will provide ) 3. A screenshot of my son showing me you can do it online. 

If you look at the response of complaint : XXXX. You will see that even in that letter they tell you to call a number. It's a complete mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have attempted to cancel this service many times. 
Most recently XX/XX/2018. 
When I attempt to cancel my account the automated service tells me I do not have one. 
When I try to contact member services I am left on hold for hours with no response. 

I had to make a stop payment on this previously with my bank that cost me money. 
The information was changed on how I was being billed and the billing has begun again. 
I have attempted numerous times to cancel this service and have not received a single response. 

I have already been on hold with the company for multiple hours today and have attempted to call multiple different numbers that bring me to the same menu. 

I am being billed on the XXXX of every month a total of XXXX from experian.

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 11/29/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Trouble during payment process

Complaint: I closed on my home on XX/XX/XXXX with Freedom Mortgage Company and flood insurance was approved at {$140000.00}. The policy cost was {$1500.00} and this amount was disclosed on our Closing Disclosure form. The issue occurred when I received a form letter in the middle of XX/XX/XXXX asking for a copy of my flood insurance policy. It was a form letter, which felt like a scam because the website was not related to Freedom Mortgage. The website asked for personal information and it made me feel uncomfortable providing the information. I called Freedom Mortgage 's customer service to confirm this letter was genuine and asked why they needed a copy of my flood insurance policy. I was told the flood insurance coverage on my home was insufficient and needed to increase the coverage amount to {$250000.00}. This was contrary to the information I received prior to my closing only 5 months ago. I asked for the exact information for the flood insurance increase to be provided in writing, however Freedom Mortgage stated they were unable to give any letter in writing and the form letter was all they could provide. In essence Freedom Mortgage was forcing me to pay more money for my flood insurance, however I was not provided any personalized guidelines. The customer service was not very helpful and I have increased my coverage and can only hope it is sufficient. If I do not increase the coverage by mid XX/XX/XXXX they will purchase and flood insurance policy on my behalf. Freedom Mortgage was unable to give me an exact date when they need the increased policy completed by. Given the lack of information provided to me, I requested a manager. I was unable to be connected directly to a manager and put in a request for a manager to call me back within 24-48 hours. After my first call that occurred on or about XX/XX/XXXX I received no call back. I called again on the morning of XX/XX/XXXX and again I have not received a call back. In the meantime, I have increased my flood insurance policy and am awaiting the updated binder from my insurance company. However, given the lack of communication and guidance from Freedom Mortgage I have no idea if it is even correct. I can only hope it will be sufficient prior when I submit it to Freedom Mortgage so they will not purchase a flood insurance policy on my behalf. The updated policy cost me an additional {$310.00} this year, however it will be more when I need to update the policy for XX/XX/XXXX-XX/XX/XXXX. I feel at closing I was not properly disclosed and this feels like a bait and switch from Freedom Mortgage. The money is not incredible taxing but I wish I had this information prior to purchasing the home.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen Trans union, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to 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 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is trying to collect on a XXXX year old debit, from a traffic ticket, I paid off 5 years ago, and re-acquired my drivers license from the state in question. 

They continue to contact me via calls at my place of employment, during working hours, as well as sending threatening letters to my place of employment. I am about to lose my position with this company, if this harassment does not stop now. They called from : XXXX today XXXX/XXXX/XXXX at XXXX. 

Point in case : " PORTFOLIO RECOVERY ASSOCIATES AKA XXXXGood news, they got slapped hard for XXXX XXXX recently : Also the NY AG slapped them again it seems : ... in new york CFPB fines them for lying : - ... lect-bad-debts/Posted in : I have to wonder why an allegedly legitimate business would need so many phone numbers to call out on? Make sure you read how they just lost an XXXX XXXX dollar lawsuit. Make sure you read how the NY AG spanked them bad on XXXX XXXX, XXXX. XXXX page with XXXX complaints in a government action from the State of New York. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (I do not know) with Innovis (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBCINNOVIS, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX have made XXXX hard pulls on my credit in the past 6 months, affecting my credit rating. I have made no applications for credit in this time and have no outstanding or unpaid debts. This is harassment and is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

Phoenix Financial services called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit card () with SYNCHRONY FINANCIAL (ME).
Issue: Closing/Cancelling account

Complaint: I 've been a loyal Banana Republic cardholder for around three years, and have had a {$10000.00} line of credit. I have an excellent credit score ( above XXXX ) and have never had a late payment or any issues on other issues with my account with the exception of them consistently putting holds on my account for fraud when I buy items in towns anywhere other than my own ( despite repeated calls letting them know that I travel frequently for work ). In the last month I 've called them on multiple occasions because of issues I 've been having with their online payment system. The first time I had an issue their online payment system debited the incorrect bank account account. I filed a Reg-E claim with my bank, as the deduction was not authorized. A second instance of them attempting to deduct money from an account that was n't even mine occurred a week ago. I called them immediately and told them that the account was not the account I had selected for payment. I then went back into the online system and paid the payment in full with the correct account. Two days later my card was declined, and after calling I was able to determine that they had closed by account with no notification at all. They are also trying to invalidate more than {$300.00} in rewards that are rightfully mine. I 've never been treated so disrespectfully or seen such terrible customer service. In the entire time I 've been a cardholder I 've never made a late payment. They informed me that the issues I was having with online payments were my problem, not theirs, and have now hung up on me twice when I called to discuss my concerns. By closing my card with no notification they are not only impacting my credit but also put undo hardship on me and my family as I had pending payments that I was forced to try to correct before incurring additional fees.

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