milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 I contacted Capital One Fraud Dept regarding my stolen funds {$68000.00} plus interest loss at least {$1300.00} and my time {$200.00} per hour to collect my loss. I told the Rep XXXX that based on the terms and conditions, the funds can not be releasd to the preson who was NOT the signer on the account. Also the terms and conditions never listed Guardianship. I can not get any assistance from the Rep XXXX, therefore I ask his supervisor. I never received any contact within XXXX hours. On XXXX XXXX, 2015 I contacted the bank specialist via Chat. However I still can not get any assistance. I was notified by the specialist to sue Capital One the court in order to get my loss back. Her name is XXXX. She constantly use excuse that I need to log into my account when I was in secure online section. She also used " enjoy your day '' etc words to harass me. On XXXX XXXX, and XXXX XXXX, 2015 I visited local branch two times to express complaint to branch manager regading stolen funds. I have given federal court paper showing NO guardian to the branch manager on XXXX XXXX, 2015. I feel my personal information and my savings are extremely unsafe at this bank. Since XXXX 2015 I filed my complaint, it 's been more than XXXX months I can not get my stolen funds back. I am asking if the bank continue to bring me financial loss and harm, I have no choice but to take them to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS ACOUNT SHOWED UNDER MY XXXX AND EQUIFAX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Making/receiving payments, sending money

Complaint: I think Citizens bank needs to be examined for unfair and deceptive trade practices. I recently set up a recurring automatic payment to come out of my account to pay my mom 's assisted living rent each month. I set it up online through Citizens using their online bill payment functionality to come out of the account on the XXXX of each month beginning XXXX/XXXX/15. I also set up to get a reminder email too. Well to my surprise I got the reminder email yesterday XXXX/XXXX/15 stating that they were processing it yesterday and that the estimated delivery date per their experience with XXXX XXXX was XXXX/XXXX/15. The payment would be sent out via Mail since XXXX XXXX is not set up to electronically receive payments. Panic set in after getting this email since my mom 's XXXX check is not directly deposited until XXXX/XXXX/15 so if XXXX XXXX happens to get the check prior to that date it will bounce and fees will be assessed by both XXXX XXXX and the bank. This is unfair and deceptive since all the labels on the screens I filled in on Citizen 's website list the send date as XXXX/XXXX/15 and payment date as XXXX/XXXX/15. Sounds to me like Citizen 's has a big fee maker going on. I wonder how many consumers have had to be bounced check fees because of this practice. They need to change their program to include at a minimum a send date and a due date like other financial institutions. I have attached exhibits to support my claim. I called the bank customer service for something else and brought up the subject and they put a note on the file. The confirmation number for that note is XXXX dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Closing/Cancelling account

Complaint: I have a Chase card reporting on my credit report as a derogatory account. I have contacted Chase Card to inform them That i did not open a credit card account with them and wanted them to provide me with my signature requesting to be added as an authorized user on the account. Chase sent me a letter with no verification that requested that I was listed as an authorized user on the account. I want this account immediately removed from my XXXX, XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Struggling to pay mortgage

Complaint: I lost my first job in  XXXX  and was put on a modification since I had found another job that paid {$10000.00} per year less. After months of working with PHH my mortgage company we worked out a modification. After  PHH  took my last payment during my modification they did not apply it to my account in time, even though they received it in time. I filed a complaint and that was rectified. I then had to do another modification, after months working with them, we set up a modification. I was then making my payments when I lost my job on  XXXX / XXXX / XXXX . I asked what to do and was told to refile for modification. I did and was turned down stating I needed to do a forbearance. I refiled stating forbearance and received a letter on  XXXX / XXXX / XXXX  that I inadvertently checked self employed instead of employed. I could not afford to fax anymore so I corrected it and mailed the correct copies. I did not hear anything so I called and spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me they never received it so she gave me the email address. I resent everything via email. Then I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me he never received the email. It appeared I received the wrong email address so I re mailed it that day. On  XXXX / XXXX / XXXX  I get a letter from an attorney representing  PHH  stating my house is going on the block for foreclosure on  XXXX / XXXX / XXXX . I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who said he will make sure they have everything since that day is the deadline. No where in my letters was there a deadline mentioned and I worked as fast as I could to get all the information needed to PHH. I then spoke to  XXXX   XXXX  who stated it  may  be too late but he could not guarantee anything and will have  XXXX   XXXX  or his manager call me on  XXXX / XXXX / XXXX  when it will be too late. I am  XXXX   XXXX   XXXX  and  XXXX  and this is how PHH treats people? I am actively looking for a job even jobs not in my field so I can get employed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (DC).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a XXXX month term @ {$100.00} per month at XXXX % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. Thanks

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 12/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (ID).
Issue: Fraud or scam

Complaint: I emailed a cl add ( XXXX ) about buying tickets for the world series game and left my phone number in the message. The guy text me and I called him back. After speaking to him ( XXXX XXXX XXXX ) and him sending me the XXXX confirmation email for his purchase of the tickets, he said he would transfer in my name once he was paid. He said to XXXX him through friends and family and he gave me his XXXX address. I went ahead and sent him the {$2000.00} for 2 tickets. XXXX ended up blocking his account. Him and I went back and forth in text messages, phone calls, and 3-way with XXXX to get my money back from XXXX. I was assuming this was all legitimate since we spoke on phone and texts continually throughout the day. He asked me to pay him through XXXX since XXXX did n't work, so he could get the tickets over to me immediately so I ended up paying with XXXX a total of {$2100.00} with my credit card. XXXX called and text me stating he was headed to pick money up. I text him about 30 minutes later stating where 's my ticket information so I could print them out. I also called him and he said he was having issues with XXXX because he bought them with XXXX which closed his account. XXXX told me if he could not get them to fix the issue he would just refund my money, but to give him time cause he was on the phone. I kept texting him stating he was making NO sense about what he was telling me. After we got off phone I decided I was NOT going to deal with this and I just wanted a refund so I text him this. He text me back stating he would know if I could pick up tickets at the window by XXXX XXXX. I continued to call and text him all night about sending my money back and he refused to answer. I then called XXXX myself around XXXX XXXX and found out it was all a fraud transaction. I continued to text XXXX with no response throughout the night and into the morning with no response. I then contacted XXXX after XXXX XXXX hearing nothing from XXXX and reported fraud to XXXX. I also contacted the police dept in XXXX Nv where he picked up the money at the local XXXX and they said to file report in my home town which I did so immediately. Detective XXXX said nothing could be done about this transaction. XXXX has said nothing could be done about this transaction. I have since received a text from a XXXX stating XXXX that XXXX is in a coma. I told him XXXX needs to pay me my money back immediately and to call the detective

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 05/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan has reported several different account numbers on my credit reports for the same account. I called them to verify debt - all but XXXX are invalid account numbers. XXXX invalid account number is reporting on my credit as included in a bankruptcy in XXXX XXXX and closed on XXXX/XXXX/XXXX. I filed for bankruptcy on XXXX XXXX, XXXX. All of the adverse accounts on my credit report were included in this bankruptcy but this XXXX invalid account shows as another date. 
I have disputed with all XXXX credit reporting bureaus and they will not remove it. I do not understand why this false account is showing on my credit report and with a false date for bankruptcy. 
I am not credit worthy for anything with this mortgage deficiency POST BANKRUPTCY, which is not even a valid account. My correct mortgage account was included in my bankruptcy and it reports as such on my credit reports. 
I am asking for help in getting Ocwen and/or XXXXXXXX, and XXXX to remove this false information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (NJ).
Issue: Managing the loan or lease

Complaint: I bought an educational package from XXXX in 2014 and got enrolled into a payment plan which was to continue for a period of 12 months, the educational service was to continue for 12 months. I was making the payments on time but decided to stop making payments due to the violation of Contract by XXXX. Part of the services which was weekly support call and were deemed an important part of the services by XXXX and XXXX who was the individual who signed up. 
Those services were not delivered and due to the lack of delivery of the important part of the program and services which were mentioned while I was being lured into the program, my condition has not changed and I do not see any impact on my development in the area. 
This issue was discussed by XXXX one of your supervisors end of XX/XX/XXXX. XXXX understood my resentment towards XXXX and advised that if I bring the payment up to date till XXXX then he will try to resolve my issue. I brought my payments upto date.After that he left a message on XX/XX/XXXX as he promised and told me that he tried Contacting XXXX but XXXX never responded back to him. This is how XXXX is they want to take people 's money and do not want to deliver the services. Their contract is pretty generic and does not mention any details. They just want to rip people off. Also I tried contacting XXXX 4 times and left him 4 voice messages to follow up but he never returned my calls. 

At this point I do not think I owe anything to XXXX untill and unless they straighten up their act and start delivering their services as XXXX assured. If I keep making monthly payments with out getting any services then it does not make sense. Also to charge individuals around {$2500.00} dollars just for 4 30 mins sessions and not deliver on the following weekly calls do not make sense and is a rip off. At this time Moterey has started charging me interest on the balance and this is affecting my credit. I seriously need help and need CFPB to intervene and help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Credit card) with Northstar Location Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.

Company response to consumer: Closed
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I am the Court appointed personal representative for my XXXX son. I first contacted American Express in late XX/XX/XXXX/early XX/XX/XXXX to close his " Serve '' card. XX/XX/XXXX I faxed the documents I was told were required. In a letter dated XX/XX/XXXX the Prepaid Resolution Team identified additional documents that were required and I faxed those documents. In a second  letter dated XX/XX/XXXX they identified different and overlapping requirements which were faxed to them. Having heard nothing from them on XX/XX/XXXX I requested a status update. A letter dated XX/XX/XXXX ask for document that had previously been provided. They were faxed again. Having received nothing from the company I sent the requested documents again on XX/XX/XXXX. In a letter dated XX/XX/XXXX, postmarked XX/XX/XXXX, that was delivered on XX/XX/XXXX the company states they can not read my fax, require additional documents, and unless thy receive those documents within 10 days they will close the matter. 

On XX/XX/XXXX I again faxed all the requested documents. Because of the claim that the fax was unreadable that same day I via USPS mailed them copies of all the documents. In a letter dated XX/XX/XXXX they asked for the same documents that have been provided multiple time by fax and in hard copy. They provide no customer service contact information only a mailing address and fax number. 

XX/XX/XXXX I called a different portion of American Express hoping they could get me to a human who could assist in resolution. They were able to find an for internal use only phone number ( which they could not release ). The sales rep waited with me literally for over one hour and  nobody answered. The individual had exceeded the time they were allowed to remain on a call and the suggestion was to call again the following day and try again. 

I have a file of the correspondence that I hope to attach to this complaint, along with copies of the documents that have been submitted numerous times, and a fax log showing transmissions to the company. 

It should be noted my son XXXX on XX/XX/XXXX - - American Express continues to charge a monthly fee on his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: this company has been sending me several emails threatening to take me to court. The company at first starting stating they were   XXXX   XXXX   XXXX   then they stated they were  XXXX   XXXX  and now they are stating they are  LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with  XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Auto) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Contract was cancelled due to the original creditor selling this debt to Jefferson Capital Systems , LLC. I have no contract or no legally binding documents with my signature agreeing to this debt with Jefferson Capital Systems , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing multiple fraudulent accounts on my credit reports with XXXX, XXXX and Transunion to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate there results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed.

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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collections Acquisition Company, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: they refused to provide the address and contact information of the original creditor, just the XXXX and no other info ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I got a 6 years loan to finance my car. In order to payoff my loan sooner I made one small payment towards the principal and one large of XXXX dollars. My loan company applied those funds towards the principal, but they refuse to inform me, if I keep paying the normal amount on the due date, how many payments do I have left. I sent 4 messages already, all of them with generic answers giving me my old amount of payments, I called and the agent told me there is no way to know how many payments I would have left.
Every single message I send is answered saying I paid 9 installments and I still have the 63 remaining ones to make it despite the fact that I lowered more than 60 % of my balance.

Company response to consumer: Closed with explanation