milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I successfully completed a chapter XXXX and was XXXX. After XXXX years of stalling and going round and round with Wells Fargo XXXX late in XX/XX/XXXX, there was finally a workout plan which I accepted. I asked for full disclosure of all obligations that I would incur. Some were provided. Again in XX/XX/XXXX, I repeatedly asked for full disclosure of any and all obligations that would incur as well as a full detail of all forgiveness amounts. What was provided was not what I or my tax adviser requested. Related : Case number : XXXX Now I have received a XXXX showing " other income '' in the amount of {$1300.00}. 
I called. I was told it was a refund of late charges assessed prior to my entering bankruptcy ( in XX/XX/XXXX ) that had been credited to my account -- and never disclosed. 

So now, I have a tax liability that I was n't expecting for income that I do n't know anything about because this was never disclosed. 

First, I asked for a detailed accounting of all amounts that might or would be forgiven in the workout. That detailed accounting was NEVER provided. And now I have 'surprise ' income that I did n't actually receive and was never disclosed. 

Second, 'surprising ' this XXXX year old XXXX with what may turn out to become a problem with my taxes is wrong. 

Third, the representative I spoke with at first wanted to explain what a XXXX was and wanted me to read the teeny-weeny-tiny print on the form. I ca n't. It 's too small for my old eyes even with my bifocals. She also mentioned something about the amount showing on my statement. I do n't know if that 's true or not -- the XXXX point maybe XXXX point print size ( teeny tiny ) on those statements requires I use a magnifying glass to read. Wells Fargo should have sent a proper notification letter, not buried this 'surprise ' in small print XXXX or XXXX point size and waited until AFTER the end of the year to dump this on me. 

Other than filing this complaint to alert the public to their ongoing sneaky practices, there is n't much that can be done about the XXXX. It 's already been sent. The IRS will expect me to pay taxes on it. 

The disclosures and teeny-tiny-fine print are another matter. They are supposed to have clear, readable type and plain language on the forms, statements, and to clearly disclose what the amounts are. They do n't. 

I should not have to ask someone else to read my statements or buy a magnifying glass because the print is deliberately too small for a person with normal vision let alone someone who has to wear custom reading glasses.

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 05-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015, I initiated a stop payment with J.P. Morgan Chase on my checking account for any transactions from XXXX Cash. On XXXX XXXX, 2015, XXXX Cash presented an ACH Debit Card transaction for {$180.00} which J.P. Morgan Chase Bank paid. I disputed this with J.P. Morgan Chase citing the stop payment I had initiated on XXXX/XXXX/2015. They investigated the matter and concluded that the transaction was appropriate and are now charging me for the {$180.00} that they paid when they should not have paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (OH).
Issue: Managing the loan or lease

Complaint: Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX/XX/XXXXThe folowing were included in past identity theft complaints issues. 
XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX CARD XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As an American who has used credit in the past, I was more than likely part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute  XXXX   XXXX   XXXX  on credit r eport number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with AAA Auto Title Loans, LLC (NV).
Issue: Struggling to pay your loan

Complaint: I was struggling to make the original payments on an installment loan taken out with XXXX. I called them on XXXX, XXXX XXXX to set up payment arrangements in order to retire my loan on XXXX XXXX, XXXX. They agreed to a payment plan and would allow me to pay {$50.00} once every 2 weeks for XXXX and XXXX of XXXX, and then {$100.00} once every two weeks in XXXX. Today they just charged my debit card 3 times the amount promised and authorized on my card. I did not autorize my debit card to be charged this amount. Now there is no written paper work to show proof of a payment arrangement, the only proof would be a recorded phone call, which is what they do for all of their phone calls.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was a XXXX customer between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Experian credit report. I disputed the adverse item with Experian and they refused to remove the item from my credit report, even though XXXX has provided zero evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Experian, and to help remove this black mark 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 02/24/2017 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: Us bank has been frauding customers for overdraft fees. They are applying overdraft fees without just cause, my account along with several other people are experiencing they same issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx. 
XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX. 
XXXX claims that XXXX never took responsibility for payment on his behalf. 
Please, advice what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk.
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet.
I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.

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 10-03-2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing statement

Complaint: Discover is saying my current balance is incorrect. They are stating that I have a higher balance that I should. You can clearly see this in the attachment. Discover is trying to get me to pay more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This bill was discharged in bankruptcy 2 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown account, never have been notified and again unknown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX. 
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did. 
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why. 
Why was account open with NO FIRST NAME

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: on XXXX XXXX, XXXX XXXX with XXXX organized a crime scene by stealing my house. Using forms with falsified information and unauthorized signature. They used XXXX of XXXX Tn, to remove my private property and lock me out of my house to allegedly give my house to someone at the BANK OF NEW YORK MELLON by the name of XXXX in Georgia. The alleged account had been updated to cease and desist by the time they claim to have a trial and steal my information and my house at XXXX in XXXX TN. In violation of federal law XXXX XXXX XXXX I never recieved verification or validation of some alleged debt, Now I have no house to live.

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 02-02-2018 about Debt collection (Other debt) with FIRST NATIONAL BANK OF PENNSYLVANIA (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: 1st thing I should say is I am XXXX and on social security XXXX because I XXXX XXXX XXXX. 
This is concerning a non secured personal loan. from a bit over 9 years ago. 
In XX/XX/XXXX I was served with papers to go to court over this and the officer said and showed me on the papers if I did not show up they would arrest me and hole me till my next court date. He said the judge had the ability to do that if someone does not show up and they ask her to. 
I went and never saw the judge because the atty, took me to a room and tried to tell me I had to swear on a bible to tell the truth and so forth just like I was in front of the judge, I confronted him about this and he shut up and tried to railroad me into signing papers saying I would pay the debt. I told him I could not afford to pay my living expenses at the time and that I was XXXX and could not pay. He kept trying to railroad me by asking what amount i was going to pay each month like I had no choice. I rather rudely at that time told him to stick his papers where the sun does not shine and I was not signing a dang  thing. AT that point he thanked me for showing up and told me I could leave. 
On `XX/XX/XXXX, I got a letters from the original company at a minimum of 8 times since then I just ignored them. Today I got one with an stamped return envelope and a letter asking how much I was going to pay. There was another asking me to call the manager. I did and I told him the same thing I told the attorney in court and he gave me a line about how I could sleep at night, from there things got heated and at one point he dared me to come down there when he got off work or even now and he could clock out and we could take it up personally. He then made a veiled threat that he had my address and what he did off company time was his business and hung up on me. 
I admit I did call him back and used a few words I will not type here. At that point he told me he was going to call the cops on me for harassing him. 

That is all that has happened so far.

Company response to consumer: Closed with explanation