milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm sure you 're aware of the Equifax breach, which was caused by inadequate data security measures ; I found out from Equifax 's website that my data was breached. 

I 'm sorry, but that class action suit results in about {$400.00} per person ( before lawyers take their cut ). One year of free credit monitoring does n't quite do it, either. And letting the CEO retire with his {$18.00} million pension intact just does n't feel like much of a punishment to me. 

I am writing to insist that Equifax be completely disbanded. I am not convinced of the need for any organization to have so much sensitive data about american citizens, much less the need to have three. Equifax has shown it is not inclined to keep our information safe, and that it 's not particularly penitent for its actions. It is doing very little to atone for the harm it has caused this country.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with STATE FARM BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint # XXXX, has errors please accept this as correct and updated request. This letter and request is one of numerous attempts since XX/XX/XXXX, to obtain status on payments from XX/XX/XXXX through XX/XX/XXXX, specifics dates and checks numbers are detailed below. 

I received a letter from State Farm Bank dated XX/XX/XXXX, acknowledging my letter dated XX/XX/XXXX, and stated my request would take longer and an additional 15 days would be needed. No correspondence has since been received. State Farm Bank, has continued to delay or state more time is needed to address my simple request and those of XXXX XXXX, XXXX. 

My requests are simple : Status of the checks listed below in a readable and understandable format. State Farm responded to a prior dispute CFP # XXXX, with confusing and illegible responses which required research to determine what they were referring to. State Farm stated : {$2400.00} was returned to me and a check for {$6500.00} was sent to me. I verified with my bank no deposits in that amount have been recorded. No check number was provided by State Farm for more detailed research and is requested at this time. 

In addition, to the very simple status of the checks below in a legible and understandable format I also request details and status of the payment of {$2400.00} and {$6500.00}. I again, request the Credit Bureau require State Farm Bank to respond promptly and with readable and legible response. 

Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$2400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1700.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$4800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$2800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$620.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1100.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I filed a dispute on a transaction that occurred in my Chase premiere checking account. The Chase dispute department handled my dispute by crediting my account {$130.00} in provisional credits. The Chase dispute department informed me that my military service allows the 120 day window to be extended to one year. They offered to refund all fees that were charged regarding this transaction as a curtesy. Later, I was informed by the Chase executive office that they would be charging back all fees that were waived as a courtesy. In other words taking back what was promised. I was told the reasoning was Chase did internal research that I was not actively in the military the past year. However, XX/XX/2016, when I opened this account, I provided documentation showing my military service so I could open a preimiere checking account. I had to validate my service to open the account, right? Also, I did not authorize Chase to do any personal background research on myself. I signed nothing nor agreed to that. Additionally, what resources did Chase use in their background research? Obviously their resources are not valid unless Chase banks claims Are a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Account opening, closing, or management

Complaint: Hello, US Bank has charged me 7 Overdraft fees that are due to a bank error. I had a pending transaction that dropped off and never cleared my account. During the time that the charge was pending and now, US Bank has charged me seven overdraft fees due to a pending charge that NEVER hit my account. This is a violation of my terms and conditions along with the funds availably act. US Bank can NOT charge me a fee for being " overdrawn '' if the charge never hit my account. After speaking with the rep, she told me I would need to call back later since all the managers were in a meeting ... She then told me if I wanted to, i could go to my branch, and they could look at my account. 

She basically just tried to get me off the phone and have me go to my branch ( which is closed .. hence why I am on the phone ) if I wanted something to be resolved. She insisted that no one could help me fix something that they did in error. 

I would like for the fees to be waived. I will be closing this account.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Citibank lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at Citibank that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with XXXX, I have had a checking account with Citibank over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks 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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.

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 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with KEYCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I came home to find two individuals who had broken a lock and entered my home without permission and were letting the water out of the hot water tank. He explained that he had a work order to do this work - of which I have a copy - but had no court order, understandably, because the house is not in foreclosure, only delinquent in mortgage payments. I told him I was calling the police, and he, to his credit, waited for the police officer to arrive. The contractor gave me his address and phone contact information when requested and on the work order was the contact information for the company that had contracted him to secure the premises, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On the work order was a contact name for XXXX, XXXX XXXX at XXXX. I called this number and a man answered who said XXXX had stepped out - it was approximately XXXX - and he transferred me to another woman. I asked her why her company had contracted with a local contractor to enter the property without a court order, told her she had no legal authority to do so and told her that I had just called the police, and she hung up. At that point the police officer arrived, and I gave my statement ; he then went outside with the contractor to obtain his statement. He oversaw the re-installation of the new lock and door knob, since the original had been destroyed, and the clean up to a reasonable level of cleanliness and water removal of the mess the two had made around the water heater. The police officer explained that he did not believe the contractor believed what he was doing was illegal and trespassing is a crime of intent, so he would not be charging the contractor with a crime, but he told me I might want to contact the State Attorney General because it is very interested when corporations or financial institutions violate the law, but that the local police had no interest in pursuing the case further. When outside in the driveway before he left, I told the XXXX, XXXX XXXX, that in the future, at this home or any other in XXXX State, you need to demand a court order showing you have the authority to enter a house before you may break into it. I also told him the bank has all my contact information and all you need to do is contact me, and if I deem it appropriate, I 'll let you in voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: A {$100.00} rebate was offered from Synchrony Financial when opening and using a new " XXXX & XXXX '' credit card on any single-receipt purchase. Offer valid XX/XX/XXXX. I made a {$260.00} purchase on XXXX after applying for and using the card info at the store to make the purchase. I paid the account on XX/XX/XXXX. I mailed all required documentation including a copy of the original receipt and rebate form to : XXXX & XXXX   Rebate, Offer # XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX on XX/XX/XXXX. After no response or rebate, I contacted XXXX XXXX XX/XX/XXXX, and was told they had none of my paperwork. The rebate form had to be postmarked by XX/XX/XXXX. I spoke with a program manager named XXXX and was told although XXXX could not help, if I would fax her all my paperwork she would see how she could help. She did not contact me. I contacted the rebate center and spoke, emailed my documents to XXXX. I was told they would see what they could do to help. No one contacted me. I called XXXX XXXX  on XX/XX/XXXX, and talked to XXXX who wanted me to AGAIN fax everything. The rebate center emailed me they were trying to get in touch with XXXX. I still do not have my rebate. Have I been scammed?

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 09-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Other

Complaint: I held an American Express Gold Card number *************** for over XXXX years, from XXXX through on or about XXXX. The card was suspended for late payment in XXXX due to personal financial issues. I entered into a payoff agreement with American Express in XXXX. AE agreed to restore " gold card member privileges '' once the delinquent balance was paid. The account was paid in full in. But AE did not restore the gold card account as agreed but instead activated an XXXX account **************** with a limit of {$800.00}, not the unrestricted limit accorded to gold card members. I applied again for an AE gold card in XXXX and was declined. I was told that I had outstanding balance on an expired corporate card accounted dating back to XXXX. The card was issued to XXXX XXXX which declared Chapter XXXX bankruptcy in XXXX, XXXX. As a creditor, AE was notified and invited to submit final claim to the company as a creditor. AE did not do so and the bankruptcy proceedings were converted to Chapter XXXX a year later without any claim submitted by AE. AE failed to submit any claim which would have absolved me of any personal liability. Almost XXXX years later, AE is still claiming that thousands of dollars are owed to them and using a XXXX year old debt to determine my credit worthiness. ( With a FICO score of nearly XXXX and debt percentage of less than XXXX percent I have excellent credit. ). Maryland state law, Statute XXXX, limitation is XXXX years. AE has failed to actively collect on a debt of nearly XXXX years and has failed to honor agreement to restore my account after payment was made in full on an agreed account balance. I am petitioning AE to dispense with the XXXX year old debt and issue a new account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed my debt on 3 occasions, only to get the same response from Experian on XX/XX/XXXX, XX/XX/XXXXreporting number, and onXX/XX/XXXX. Experian disputes that my debt is not paid, not only is this incorrect, but has been on my credit report displaying inaccurate information. I have proof of written document signed by United States Attorney which includes his contact information. I also reported dispute process to XXXX on XX/XX/XXXX and have similar results with this company as well.

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 10-03-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi. I returned all the cable XXXX equipment to time XXXX including the box and remote and they said that I did n't. I havnt had cable for about 5 years or so. They then got a collection agency to try to collect it. It 's unfair and I think it must be because the data entered At the store was n't recorded or was wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Please note I have not filed bankruptcy however debt is not owed to Portfolio Recovery. I sent out a certified letter to Portfolio dated XX/XX/XXXX asking them to provide documents bearing my signature that showed I had a legally binding contractual obligation to claimed account. I am unware of doing any such business with Portfolio. And simply put, want validation. Portfolio just sent copies of past bills from a creditor. However, the last bill from creditor shows account as being charged off for {$4900.00} and a positive credit to the account for {$4900.00} with a closing date as XX/XX/XXXX. This shows the account has been charged off and paid. Portfolio is appearing on all 3 CB for me owing {$5900.00} ( different amounts! ) Portfolio has also sent a letter showing Original Creditor as XXXX XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX either. It seems that Portfolio either could n't or would n't provide proper validation proving I own that debt. I 've never received anything in writing from Portfolio prior to them showing up as a collection on all 3cb. I 'm on unemployment, trying to find work and request that this false information is taken off of all 3cb immediately as it is having a huge impact on my score and what potential employers see. I kindly ask for you to take a look at my case. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: Failure to send monthly mortgage billing statements to me for six years, nearly the entire time of Wells Fargos servicing of my mortgage and refusal to send such statements, claiming that they are not required to send monthly statements. 
Failure to provide to me substitute monthly mortgage billing statements and refusing multiple requests to provide substitute replacement statements. 
Failure to send mortgage modification paperwork to me in a timely fashion such that it expired one day after receipt in order to prevent adequate review time and consideration of the modification provisions and time for consultation with an advisor or attorney for legal review and to submit for the modification. 
Filing a foreclosure action against me under the false allegation that my home is not owner-occupied in order to avoid providing normal mortgage resolution processes and procedures and relief such as mediation, repayment plan, forbearance agreement or modification, and toe take my home under the false statements that my home is not owner-occupied. ; Substituting Wells Fargos identity on my utility account in lieu of my identity ; Cancelling my mail delivery by telling the United States Postal Service that my home is not my home and that my home is not owner-occupied ; Replacing locks on my door and locking me out now for four months without providing a key and a letter of authorization of entry as required by police so I do not get arrested for trespassing into my own home ; Not recognizing my lawyer by claiming that my lawyers letter of representation was insufficient

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (SC).
Issue: Account opening, closing, or management

Complaint: Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. 

This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. 

It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.

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 09/25/2017 about Checking or savings account (Checking account) with EARLY WARNING SERVICES, LLC (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Today on XXXX/2018 my XXXX XXXX account was frizen without any notifaction!! No rmail no call. When i called i find out that because if early warning systems there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling early warning I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a XXXX XXXX who is already struggling! This was not the correct way to go about buisness for neither 3 companies

Company response to consumer: Closed with explanation