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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax had profits of over {$130.00} million dollars last  year. The lack of security and the time-frame that they used to alert me is unacceptable. They are offering me a year of credit monitoring, however, I have to go through their hoops. When my data is breached like this, they should come to me with a solution, not the other way around. This organization should have no business monitoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bowen & Associates Recovery, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed money to a roofing company. The roofing company turned the debt over to Bowen and Associates collection agency. Bowen and Associates called me to collect the debt. I gave them a check over the phone and paid the full amount. Bowen and Associates never paid the money to the roofing company. Now the roofing company has sent me a demand letter for the money and threatened to sue me. The debt was paid but Bowen and Associates stole my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Delinquent account

Complaint: I keep getting collection notices from Wells Fargo Bank for amount due at the time apprx {$11000.00}. I keep asking for signed receipts to see if I really owe the money. All I get back is according to our records I owe the 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 explanation
Consumer complaint received 02/26/2018 about Debt collection (Federal student loan debt) with National Recoveries, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I have contacted XXXX XXXX XXXX located in MN, because after I didn't receive my taxes I contacted the it's, which gave me the number to the bureau of fiscal services, who finally gave me the amount that was suppose to be garnished, and then they gave me the number to National recoveries. they had told me they had sent something to my job in XX/XX/XXXX about starting garnishment on my wages. I no longer work for that job. My main complaint is that I didn't receive any letter informing me of a wage garnishment, and I didn't receive any information about disputing the garnishment. I didn't even know I could dispute this, untill I looked it up on the bureau of fiscal services website.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo agreed to do a deed in lieu and {$6500.00} in relocation assistance after my XX/XX/XXXX certified letter to XXXX XXXX. I dealt with a single point of contact ( XXXX XXXX ). to accomplish this. The first thing that I was asked for was the appraisal XX/XX/XXXX ( email attached ) which occurred XX/XX/XXXX.. I responded by e-mail within hours to the other request ( validating that the HOA does n't provide any Certificate of Approval to transfer deed ). So there were NO delays on my part.The timeline per the Wells Fargo website ( Step XXXX ) is 30 days to " review required terms and request approval from investor ''. The investor approval ( XXXX XXXX ) was not requested until XX/XX/XXXX. Wells states that XXXX XXXX declined the deed-in-lieu due to " imminent foreclosure '' indicating that the approval package to XXXX XXXX was not submitted in a timely manner. I was notified by phone by XXXX XXXX on XXXX/XXXX/XXXX The foreclosure sale was scheduled for XX/XX/XXXX and did occur. The house was sold to Wells. I had 10 days to appeal the sale. The previous sale was scheduled on XX/XX/XXXX and was postponed by Wells with the express reason for the deed-in-lieu process to occur. .I contacted Constituent Services with my Congressman 's Office ( XXXX XXXX ) on XX/XX/XXXX, but XXXX XXXX misrepresented facts ( like saying a phone call to me occurred on XX/XX/XXXX which it never did ). Wells points the finger at XXXX XXXX and XXXX XXXX points back to Wells. I opened a XXXX XXXX case # XXXX and they have NEVER CALLED. I am in the middle with only today to keep the Certificate of Title from transferring to Wells and having a foreclosure on my credit record. Wells did not meet their published timelines not the constant assurances from XXXX XXXX ( Wells Fargo single point of contact ). Wells either by design or intent let the clock run out to make it almost impossible to do the deed-in-lieu, get my relocation assistance promised, and leave the house gracefully. Based on the fact that I am a XXXX year old XXXX, 10 years with a foreclosure on my credit rating is essentially a life sentence of homelessness. I need your help today to get Wells to withdrawal any legal papers related to the XX/XX/XXXX sale.

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 08/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with FIRSTBANK (CO).
Issue: Fraud or scam

Complaint: On XXXX-XXXX-2017 I went into First Bank at XXXX and XXXX XXXX XXXX, XXXX, CO XXXX to initiate a wire transfer to a supplier in XXXX that I have been using for over 4 years. As you can see on the form attached that my supplier is located in XXXX and the beneficiary bank address is in the XXXX. I did not notice this. This threw up no red flags for this branch or the wire transfer department that it might be suspicious and it should have. I was not asked about this. 

I did get a confirmation via email from my supplier account rep once the transfer took place saying they recieved the transfer and I thought all was well and the order would proceed. Following up on my order last week and finding out last Saturday the XXXX they have no record of the transfe so I forwarded their emailed response from the day after the transfer saying that they said they got it. They got back to me today that their email had been compromised and all wire transfer information including accounts and address had been changed on the wire instructions used to send the transfer. Calling first bank today they did a trace on the funds and the funds are now gone from a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: Like all my other banks and financial institutions I conduct business with, I sent Chase Card Services of XXXX, Delaware, XXXX, a Change Of Address letter in writing on XX/XX/XXXX, that my address changed from XXXX, XXXX, IL XXXX To : XXXX, IL XXXX, in an effort to protect my identity under the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX by making sure my sensitive account information was not misdirected to the wrong addressee. Every institution complied immediately but JPMorgan Chase & Co. To date, my neighbors are still receiving my credit card statement ending in XXXX. I believe this is because Chase Bank USA , N.A . is ran by a XXXX who delight in harassing and tormenting people of XXXX American decent as myself as this is highly inexcusable conduct. Since JPMorgan Chase & Co. / Chase Card Services / Chase Bank USA , N.A . is too incompetent to handle the financial affairs of Americans protected by the Fair and Accurate Credit Transactions Act ( FACTA ) of XX/XX/XXXX, I demand a cease and desist of my credit card activity with this bank and/or its entities.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Credit card debt) with Couch Conville & Blitt LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Collection agency, who claims to be a law firm, Couch Conville & Blitt LLC, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX and Equifax have the same debt listed under XXXX different collection agencies. XXXX Reports XXXX XXXX XXXX and Equifax reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am facing a foreclosure and, despite many attempts, have been unable to speak with anyone at the mortgage servicer who can be helpful in what is a complicated situation - I am a first mortgagor but do n't hold title to the condo, having been foreclosed on by the second mortgagee, who took title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Payoff process

Complaint: We paid off our monthly balance on our Southwest miles card from Chase and were still charged interest on the next month 's bill. I was informed this is because of a residual interest. Where if you carry a balance one month, you have to pay off at least two months in a row to not have interest. The part that bother 's me is that the statement says How to Avoid Interest " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. '' I found this very misleading. The Chase person said, yes, of course, it says " each '' which means " all '' or at a minimum two months in a row. This seemed crazy to me. So I think Chase should be required to say. How to avoid interest? Never carry a balance. If you do carry a balance for even one month, it will take you at least two months of fully paying off your bill before Chase will stop charging you interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with Financial Credit Service, Inc. (TN).
Issue: Delinquent account

Complaint: I received a voice mail from " XXXX '' with Asset Recovery Associates and was advised to call XXXX regarding a complaint to be filed against me, complaint # XXXX. I called back and spoke to a lady representing XXXX and they are debt buyers of a debt in incurred in 1998 with XXXX XXXX. ( I do not recall such a debt and currently have an active XXXX XXXX that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in XXXX XXXX, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: on XXXX XXXX, 2016 I tried to obtain my annual credit report with Equifax via the online but I was not able to being Equifax refused to provide me a copy. I received a message online but could not print it for which they demanded that I provide them copies of utilities bills, social security card, drivers license etc. Today I called the corporate offices but was given the run around and in the end I spoke with XXXX who verified who I was in which I gave her my permanent home address XXXX XXXX XXXX XXXX NY XXXX, my temporary home address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( being my place is under construction ), my full name, social security but she informed me that I have an apartment number on both of my addresses of which I disputed. I was informed that there is an apartment number listed with the XXXX XXXX XXXX XXXX NY address of which not true being our house does not have any apartment numbers and she can not force me to provide an apartment number that does not exist. I further informed her that none of my credit bills have an apartment number and I believe somewhere someone other than me placed an apartment number on my credit report without my consent or knowledge. I will not provide them copies of any of my bills or credit card statements being those documents are personal and confidential and they have no right to have them. I was given a hard time by XXXX XXXX to the point that I yelled at her and she got upset and hung up the phone after I reached my boiling point and used a word that I should not have. They are required by law to provide me with a copy of my credit report free at no charge but then yet they are refusing being someone placed the wrong information on my credit report and I need to see what information ahs been reported to them and by whom so I can resolve the problem. 
Please have them provide me with a full copy of my report so I can review and dispute any incorrect information that is being reported or placed on my profile. Please contact me via email if anyone has any questions in regards to this matter. Finally, I do n't want Equifax to place my email address on my profile with their bureau. 

Thank you kindly for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with Pinnacle Asset Management, LLC (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Was threatened in XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005

Company response to consumer: Untimely response
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX XXXX XXXX Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter 7 bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of Mason & Mason, 164 N.H. 391,395 ( 2012 ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of 2005. ( BAPCPA ), Pub. L. No109-8 ( codified as amended at 11 U.S.C. 523 ( 2006 ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter 7 bankruptcy )

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 02/21/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: ocwen is attempting to foreclose on my home with a fraudulent assignment. the assignment is robo signed and was conveyed after the cut off date of the trust filed with the united stated securities exchanged. i contacted them for a modification they sent a work out package i sent it back in as instructed by the relationship manager. i called them and they said they were reviewing for assistance. Nonetheless the didn't modify the loan and trying to foreclosure before even giving me an answer on the loan mod. this is dual tracking. i have a fraud affidavit on the assignments being used

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: In XXXX of XXXX I took out an installment loan with ACE Cash Express. I did not know the payments were not coming out of the account until I started getting treating calls from them. I believe I paid off this loan in XXXX of XXXX but can not find my letter of payment ( we moved ) I am now receiving treating emails on my cell phone and at my parents house where I have not lived in over 20 years. They are treating legal action over voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Using CREDIT KARMA at XXXX, and viewing my credit report, I disputed a report ( on EQUIFAX the reporting agency ) by XXXX XXXX XXXX who billed me on a balance when they were supposed to refund me a balance. Equifax Credit XXXX agency resolved the issue by taking that report off my credit report. In doing so, Equifax punished and/or penalized me by reducing my Credit Score by forty ( XXXX XXXX points : from XXXX to XXXX, and then added a remark that says, XXXX XXXX '. I had been deathly seek for years and my illness caused me to be financially handicapped. I worked hard to build it back up paying off thousands of dollars in bills that this same agency is slow to give me credit for. I am currently permanently XXXX and a veteran of the United States XXXX. Equifax needs to review their XXXX reporting system. It is not fair. I am now inclined to give up on building my credit if I am going to surfer set backs like this just because I filed a complaint against a business that is clearly at fault. Equifax can not be reached at XXXX or XXXX, or at their convoluted and cumbersome website to resolve this issue. Hence, my resorting to contacting C.F.P.B. Businesses, are always right is the message I am getting here. If I had known that filing a dispute or complaint will bring this much penalty or repercussion I would not have filed XXXX. Please help in resolving this issue. MY INFORMATION IS GATHERED FROM 'CREDIT KARMA.COM ' a website designed to give parallel/combined Credit Reports from Credit Reporting Agencies like Equifax and TransUnion XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My late husband open this account without my knowledge. He was XXXX and killed by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company response to consumer: Closed with explanation