milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Delinquent account

Complaint: I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( XXXX ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to Providian bank in my previous name that I have not held in XXXX years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had XXXX years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Bank of America withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Bank of America were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Bank of America of this and was told " We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Bank of America to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Payday loan () with DCN Holdings Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am writing this letter to file a complaint against XXXX XXXX a.k.a XXXX regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2017 I purchased the rental of a car in XXXX through XXXX, a popular rental website. The total amount for the rental was {$75.00} USD for the dates of XX/XX/XXXX to XX/XX/XXXX. After my return to US I noticed a charge on my Citi Double Cash credit card with the date of XX/XX/XXXX for a total amount of {$530.00}. I presented a dispute for the charge, and after a few days I was informed that the merchant presented evidence of my acceptance of the mentioned charge. The document presented by the merchant ( supposedly signed by me ) was partially in XXXX, blurry, with values in XXXX XXXX, and extremely unreadable. However, Citi Bank decided to rule in favor of the Merchant, XXXX XXXX XXXX   XXXX. After contacting Citi multiple times via XXXX and phone they still insist that there's nothing they can do, even when the evidence is overwhelming on my favor.

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 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Wells Fargo Visa Platinum Card - which i got it very recently. Some issues with their customer service as there is no chat and very long hold times if I try to call. Website is too old and not intuitive. 
Unfortunately as part of the account setup - i tried to setup alerts and notifications but it's not always working. 
I was always on-time in terms of making the payments. 
I was out of country during XX/XX/XXXX to XX/XX/XXXX. Didn't got any alerts and notifications from Wells Fargo. And it seems they charged me some Late fees of {$15.00}. 

When their customer service is so aweful, website is so minimal - they should at least forgive first time the late payment. And look for why the automatic payments and alerts/notifications are not working.

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 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to 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 08/14/2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, Transunion, XXXX and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for Transunion., XXXX for XXXX, XXXX for XXXX they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/Transunion/XXXX : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXXr/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX XXXX 2016 I contacted XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX by phone and informed a salesperson that they had a car I would like to look at for my wife. I informed the young lady that I would be in in the morning with the cash and would buy the car if it were " as advertised ''. When I arrived the next day I found they had sold the car the day before despite being told at XXXX the XXXX prior that the car was still there. They tried to sell me a more expensive car and I left without doing any further business with them. I later found out they they had run a credit inquiry on me without my permission or authorization. Upon logging into XXXX to post a review of this business I found that I was not the only person this has happened to. When I called the dealership and spoke with the manager I was informed he had my " digital signature '' allowing them to do this. I did not give them anything permitting it. He stated he would have someone contact me. No one did. I called again and was given the run around by another individual claiming to be a manager. He was no help either.

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 09/15/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Late fee

Complaint: I set up the credit card for auto pay. The user interface at the Web site ensured me that the card was set up for AutoPay for entire balance each month the card became due. Attempts to pay the balance were met with the Web site warning " Your account is currently set up for AutoPay ''. The card issuer did not process the AutoPay payment claiming they do n't do it the very first month it 's set up, which resulted in late fees and interest charges I specifically wanted to avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Struggling to pay mortgage

Complaint: My mortgage on my home in the state of Illinois was discharged via Chapter XXXX, the lender at the time was XXXX XXXX XXXX. I never reaffirmed the home, I have received a loan modification, XXXX to be exact but NEVER reaffirmed or refinanced the mortgage loan. On my credit report is has always showed a closed real estate account with a XXXX balance due to the debt being discharged in the bankruptcy. My husband and I divorced, I managethe home as a rental property, the mortgage is not current due to a problem paying tenant. the home mortgage has been sold to Ditech Financial in recent months, they have began reporting this on my credit report and I have not refinanced or reaffirmed the mortgage with them either so how is this possible? This is truly damaging my credit and I would like it removed. I tried to get a modification through DITECH and was denied, I asked for a repayment plan but what they offered was ridiculous for my situation, they asked for {$1000.00} a month in addition to the current mortgage and so I am in the process of either doing a short sale, deed in lieu or simply walking away. Since technically I am not liable for this debt any longer as a result of the CHAPTER XXXX, this should not be reporting on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Medical) with AMCOL Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX, received a call from Amcol Systems ( caller ID ) asking for my wife to discuss a business manner. I said she was at work and I was her husband. She started to fish for info ( after identifying herself as a collection agency rep ). I said wife was at work and XXXX gave me a number to call ( XXXX ). 

After speaking with my wife, I called the number back and asked for XXXX. She said call was being recorded. 

When asked for written verification of the debt, Amcol Systems rep. XXXX said their protocol did not provide for written verification of debt. I reminded XXXX that this was part of the Fair Debt Collection Practices Act. Instead, she gave me a list of amounts ranging from {$10.00} - {$200.00} and dates filed by XXXX XXXX. No other info was available except for XXXX phone number to call. 

She could not identify what the debts were for, just date and amount. WE were to call XXXX XXXX if we needed any more info. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 3 years ago I and my mother in law rented the apartment at XXXX XXXX in XXXX, IL. My mother in law 's health deteorated very much that after 2 weeks of living there she had to move and be closer to her doctors and hospitals. Plus she needed a 24 hr caretaker. We notified the office that we have to move and we ca n't afford to pay $ 1500 monthly rent for XXXX bedroom apartment. After 3 weeks of living there we were released of the lease because of a loss of co-resident due to illness. We returned the keys and apartment was checked and everything looked fine. I asked the manager XXXX 5 times to give me in writing that I do n't owe anything and she said do n't worry you do n't need anything in writing you are free to go. After 3 years has passed she send me to a collection for {$2100.00} without any notice. No phone call, no letter nothing. Yesterday I got the first letter from collection agency. She could have told me from the beginning that I will owe this amount, but no she lied to me. I tried contacting her regarding this and she was rude and incosiderate towards me telling me if I call XXXX more time she will report me for harrasement. Kept hanging up the phone on me. So now my credit score is XXXX points down and I ca n't apply for any credit or loan. By the way I found out I owe this by applying for the loan. I did n't know about this until last month when I applied for a loan and they denied me stating that this amount was posted in XXXX of 2016. I need this amount to be taken out of my credit report since is posted there wrongfully. Please help me and my mother in law XXXX XXXX to get cleared of this debt. Please find the attached copy of the lease and on the second page I highlighted the part where it says that we are released from the lease. Thank you so much. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Auto debt) with Ricart Financial Services (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/2018 XXXX contacted my husband regarding my car payment advising him that I had a payment due and telling him that well she had a payment returned, one payment was 30 days late and this payment is about to be 30 days late ... he asked her why she was contacting him, she said because I cant get in contact with her well she only called once and I am at work. First of all I dont know how she got his information second of all you shouldnt be calling and giving him any information regarding my account and what happen on my account. He gave me details of what happen on my account. This shouldnt be happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion has several accounts that do not belong to me and inaccurate I have tried to dispute these with no outcome XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX - Nothing owed and past due remove inaccurate

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 04/29/2016 about Debt collection (Medical) with Account Management Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this is what keeps coming up on the cr rpt, their XXXX is this is not them ACCOUNTS MANAGEMENT SVCS {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could

Company response to consumer: Closed with explanation