milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX XXXX XXXX. XX/XX/XXXX. {$290.00} XX/XX/XXXX - {$83.00}. 


I was telling them that how can you open something that is not even in Mississippi. These people are from north carolina. Is that even possible even though i am in Mississippi. I have never lived in north carolina so this cant be possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter in regards to debt I do n't owe and was already sold to another collection agency that was already removed from my credit. And this company does n't even have my name spelled correctly.

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 02-02-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Bank of America. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Bank of America also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings 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 11-05-2015 about Bank account or service (Checking account) with KEYCORP (AK).
Issue: Deposits and withdrawals

Complaint: I had {$14.00} in my account a charge came in for {$9.00} which the bank placed as " Pending '' This bought my balance down to {$4.00}. then another charge came in for {$7.00} and my balance went to - {$3.00} plus a overdraft fee of {$32.00} which brought my balance to - $ XXXX.Now the bank credited my pending {$9.00} which they already deducted that cause my original overdraft to my account.Then they now re-charged the {$9.00} as a withdraw and I got hit with a over draft fee of $ XXXX.bring my account to - $ XXXX.All of this in a 2 day period. This also caused a cascading effect which I got hit with XXXX more overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested my annual credit report via http : //annualcreditreport.com. 

I successfully accessed XXXX and XXXX 

Transunion presented the following error : We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I called XXXX and was told that number could not help me. 

They directed me to XXXX, who stated that the first person was incorrect and that I needed to call back. 

I called XXXX again to be told that XXXX was the correct number. 

Following their guidance, I called XXXX again and was told that the real number I was looking for was XXXX. 

That agent told me that the reason I was unable to access my account was because multiple records were attached to my social security number and to call XXXX again, as they could help me. 

I called XXXX again, and was told that there was nothing they could do and that I should call XXXX again. 

I asked to speak with a supervisor, as I had already invested close to 2 hours on the phone. I was told I 'd be placed on hold for a moment. 

After 5 minutes I was disconnected.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or about XXXX of XXXX Equifax failed to keep my personal information secure. Equifax admits my information was stolen and that their security measures failed. Equifax is offering 1 year of credit monitoring service free of charge however my personal information is permanent and I will still be vulnerable for the rest of my life due to Equifax 's negligence. 

Further the information that Equifax mishandled can be used to access any account I hold or will hold anytime in the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BACK IN XX/XX/XXXX i MODIFIED MY MORTGAGE ( W/EXISTING BANK, XXXX XXXX ) AND NOW HAVE DELINQUENCIES OF SEVERAL PAYMENTS ON MY CREDIT REPORTS. UPON MODIFICATION IN XX/XX/XXXX I HAVE BEEN PAYING THE NEW MODIFIED BALANCE ON-TIME EVERY MONTH ( FOR THE PAST 6 YEARS ). THESE DELINQUENCIES SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Late fee

Complaint: I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money.

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 07-07-2017 about Debt collection (Other debt) with Allied Interstate LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.

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 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm having some major issues with an outdated, past the statue from the XXXX and unverifiable account listed on my credit file. The accounts XXXX # XXXX - Outdated and no XXXX # XXXX Outdated and no XXXX # XXXX Outdated and no verificationCredit Protection # XXXX - Not even mine I have current service with XXXX and my account is always paid as agreed or they would cancel service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX AND EQUIFAX ARE INCORRECTLY REPORTING MY PAID OFF ACCOUNT AS A CHARGE OFF. THIS ITEM SHOULD SHOW PAYS AS AGREED IN SETTLEMENT, NOT A CHARGE OFF. THIS FALSE REPRESENTATION ON MY ATTACHED CREDIT REPORT MAKES IT LOOK LIKE ALLY HAS GIVEN UP ON TRYING TO RECEIVE THE PAYMENTS AND HAS TAKEN SOME LOSS. THIS ACCOUNT IS PAID IN FULL VIA SETTLEMENT. ADDITIONALLY THE TERM SHOWS 40 MONTHS WITH A {$640.00} PAYMENT, TERM WAS 39 MONTHS, AND THERE IS NO BALANCE OWING. KINDLY HELP IN UPDATING THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax announced that private information of 143 million people had been leaked due to lack of security. 

I have checked using their website, and my information was included in the data breach. 

They are offering a free year of credit monitoring, but that it hardly enough reparation and the terms of service waives your right to sue Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (NM).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I am filing a complaint today ( XX/XX/2017 ) because I received a prepaid XXXX from Brink 's Money that I never requested, which is illegal.

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 10/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with MORGAN STANLEY & CO. LLC (MN).
Issue: Struggling to pay mortgage

Complaint: Complaint 1 : Against XXXX XXXX for Irregularities Related to XXXX Origination of Interest Only Balloon 2nd Mortgage for Our Primary Residence Complaint 2 : Against XXXX XXXX XXXX - Foreclosure Agent for XXXX XXXX  Date : XXXX XXXX, XXXX We are writing to lodge a complaint against and ask for assistance with our negotiations with XXXX XXXX. In XXXX we were sold, unbeknownst to us, an Interest Only Balloon Payment 2nd Mortgage on our home. We never met or spoke with a Mortgage Broker from XXXX XXXX and we have received no origination documents from XXXX XXXX which was signed by a member of their staff. 
We paid our mortgage faithfully and on time each month for 10 years. Suddenly, in XXXX, XXXX XXXX demanded that we pay the mortgage in full. They gave no reason, refused to work with us on renewing the loan as a normal amortizing mortgage and subsequently began foreclosure proceedings on our home. We asked them to renew the mortgage multiple times and proved we could afford to make monthly payments on an amortizing loan, but they refused to even consider our requests. We made these requests in good faith despite the fact that our home was, and remains, under water. 

After years of fighting with XXXX XXXX and their loan servicer, SLS, we sought help from a housing counseling agency and an attorney. We have made a cash offer to XXXX XXXX for a Short Payoff and have provided evidence of Proof of Funds from a private lender. They are reviewing our documents, but have refused to postpone the Sheriffs Auction on our property. 

We are asking with this letter of complaint that the Consumer Financial Protection Board investigate this complaint and intercede with XXXX XXXX to postpone the Sheriffs Auction scheduled for XXXX XXXX, XXXX. 

We have attached details on the case, an analysis of comparable property values, the communications from our attorney to XXXX XXXX and its servicer, and the Qualified Written Request submitted to SLS under Section 6 of RESPA. 

Thank you for your consideration and assistance.

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 06-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had called Bank of America 's claim department to file a claim for unauthorized check trans action after being on hold and get transfer from  one person to another person finally 3 hours later I got to file my claim over 4 weeks ago. The  person opened up my claim assured me that I will get my account credited within 10 days, I give them 18 days and when I saw no credit to my account I called them back again and gave them my claim number and they told me they need 20 days to give me credit and I explained to them I was told 10 days originally now you are telling me 20 days and I asked to speak with supervisor and she refused by saying that she is the supervisor. now it is al most one mont h and no phone calls or letters explaining to me what is going on to my account and my money. my friend told me about this site and that 's why I am here today, please help me to collect my money from bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Transaction issue

Complaint: I had an American Express Delta Skymiles Card- had a high limit and paid on time consistently for several years. There was $ XXXX of fraudulent charges on my account and opened an investigation. The merchant never responded/provided any documentation that could substantiate these charges. In fact, the merchant responsible for these charges is n't even in business now. However, the 3rd party performing the investigation engaged in multiple phone calls that became borderline harassment as they were unequivocally trying to find a way to get me to back down so they could collect the money from me. I asked them if they could put the charges back on my account without any documentation/response from the merchant and they did n't answer as they apparently were not at liberty to do so. Subsequently, I requested to speak to a manager. I never had that chance because they cancelled the card and now are trying to collect the balance of the card PLUS the roughly $ XXXX of fraudulent charges. This is adversely affecting my credit which is deplorable considering they are ignoring my repeated requests for them to look further into the fraud situation. I believe this is unethical but also illegal business practice because my rights as a consumer are being ignored and they are attempting to use intimidation tactics to get me to back off which I will not since I refuse to pay for charges that I never incurred. Please let me know what my rights are as a consumer and what actions I can take to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My Bank of America card was used taken and used without my knowledge to create unauthorized and fraudulent charges on my account. I did not give anyone permission to do any of the fraudulent transaction. When I discovered the fraudulency, I immediately notified Bank of America. I stated there were fraudulent transactions on my account and the BOA Fraud Rep filed my claim and told me a credit would be made as well as the card would be canceled, and I would need to return the sent documents from them. I then went to the Police and filed an ID Theft police report as directed and a ID Theft Federal Trade Commission 's ID Theft Affidavit. I sent these documents via USPS Certified Mail with Return Receipt ( see attached ). I also went into the Bank of America branch and had the representative fax also a copy to the fraud department with the the claim number given. Bank of America credited my account for the fraud transactions and then later stated they never received any documents such as the ID Theft Police Report, therefore removed the credit from my account. This IS NOT TRUE. You will see the name of the Fraud rep I spoke with, the claim number, the police report, ID Theft affidavit, copy of the certified mail I sent which also had a return signature receipt that they did not accept and denied to sign. The USPS Certified Mail CONFIRMED Bank of America received my documents and if they are saying they did n't, then who did? I also had the documents FAXED my their own employee of BOA and BOA said they did not receive that also! Who obtained my PERSONAL and SENSITIVE information! This is a violation of my Privacy Act rights, California. I am exhausted trying to resolve this by calling them, going in person to the branch, speaking to the staff, writing them and faxing them. I need CFPB to help me resolve this issue so I can move forward and return to my account in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: my account was closed and no notification was given. When I called to find out why my account was closed I was not given a reason. I was just told that the issuer had closed the account when the card expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Student loan (Non-federal student loan) with LendKey Technologies, Inc. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation