milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.

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 09-09-2017 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: Equifax did NOT protect my identity and my personal information once the company realized it experienced a major hack. The hack happened in XXXX XXXX ; the company reportedly found out in XXXX XXXX ; the company did NOT notify me or anyone else that they, or I, experienced the hack. It did nothing to protect me or any other consumers during this time. To find out in news in XXXX XXXX, 2-4 months after major security leak occurred, the company has breached its duty to consumers. This is unforgivable when identities of > 100 million people are at stake and caused lifelong repercussions of this irresponsible act. The first act of being hacked is a shame, however, as custodian of sensitive and critical information of people 's lives, the company betrayed the trust of its consumers when it severely delayed notifying consumers of the hack. Equifax demonstrated itself as unethical, negligent and irresponsible. The company must and should pay for its deliberate act of omission.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with Sharinn & Lipshie, P.C. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After their first Levy was removed and before I had time to look into the Judgement against me, another levy, " execution '' dated XX/XX/XXXX was placed on my XXXX XXXX and another {$120.00} was deducted by the bank, now {$250.00} total. Im fortunate to have help from my dad to buy food, the fees really take a bite out of my life! After looking over the documents ( attached ), the judgement was entered on XX/XX/XXXX! Thats the date of my Mothers Passing ( death Cert attached ), I was in XXXX to help my dad from XX/XX/XXXX - XX/XX/XXXX while mom was in the hospital XX/XX/XXXX,. I was not in NY and I did Not receive and or were not served any summons to appear either in personal and or by mail and could not have checked the Validity of the debt in question and the SOL as well, I surely would have answered any summons had I been given the opportunity. I was unaware of any judgement against me from Sharinn Lipshie, XXXX XXXX as Assignee for XXXX XXXX XXXX until they placed the Levy against my account in XX/XX/XXXX ( docs attached ). Id like a reimbursement of at least 1 of the XXXX XXXX fees ( {$120.00} ) and have the Levy, Execution removed from my XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however XXXX did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from XXXX and from Experian to report the information correctly and I can't seem to get anything resolved. I really need your intervention.

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 01/17/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DISCOVER BANK (CA).
Issue: Confusing or misleading advertising or marketing

Complaint: Discover card THROUGH A LETTER WITHOUT ME REQUESTING IT, They offered me a CREDIT CARD WITH NO INTEREST FOR ONE YEAR. 
Enter the internet to accept the offer and when the process ends, they inform me that they no longer offer me the card without interest payment. so I decided not to accept the card because that was not the offer I received. 

Discover card offers me with my Name a promotion, they check my score and then tell me no! I accepted that they consulted my credit because I was offered a promotion of non-payment of interest but then they say no. 

I request to you, please help me to remove from my credit history the consultation of my credit by DISCOVER card! 

thank you very much!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a judgement against me which I paid off a few months ago. This company took my payment and refuses to give me my warrant of satisfaction. I have called and emailed them as well as had my bank call and email them and we have gotten absolutely nowhere. They claim that they dont issue the warrants, that they only collect the money and foward the info. They also refuse to tell me who they forward the info to and/or what attorneys represent them. They say that they dont know because its always changing. All I want is my warrant of satisfaction so that I can file it with the court and have it removed from my record. The debt is paid and there is no reason I shouldt get this. Ive tried for months and gotten nowhere. Please help me with this simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Credit card) with Asset Recovery Solutions, LLC (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone called at work from a XXXX at Asset recovery solutions. This person was very degrading and I spoke to me in a very condescendingly way. Then alluded to suing me for not paying my debt.

Company response to consumer: Closed
Consumer complaint received 12/15/2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have been contacted by this company before. The most recent was XX/XX/17 at XXXX. They do not identify themselves when they call, but they do threaten to have me arrested and they have started calling my family members. In XXXX, I was contacted by them and had spoken to a gentlemen, who again, did not identify himself and he was very aggressive and abusive.I had told him I was working it out on my own. They had my social security number and access to my loan information. I have blocked the calls to my number but they are still leaving voice mails. I do not wish to respond to this organization because I do not wish to have my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I have had a Macy 's credit card account for a few years now. Upon moving from XXXX, my wife and I decided to open a joint account when buying some furniture in order to get a sign-up discount. 

Sometime in XXXX, Macy 's " upgraded '' their website, and the fact that I had multiple accounts linked to my name caused many issues with accessing my account. This included seeing my bill, in particular. In XXXX XXXX or XXXX XXXX, I bought some clothes on the individual account totaling XXXX or XXXX dollars. I was unable to log in and pay this amount off immediately ( what I normally do ) and ended up forgetting about it. It seems that Macy 's had an old address on file ( and either no email or they did n't try that method ), so I received no contact from them. 

I ended up learning that I owed this money when, in XXXX, XXXX XXXX notified me that my credit score had plummeted. That day, I investigated, and paid off the balance that I owed Macy 's. I believed that they were going to remove this information from my credit report ( in addition to marking the account as current ) since this was a one-time fluke in a long series of on-time payments. 

The other week, my wife and I went to apply for a mortgage and were denied because this information seems to still be showing up on my credit report. I have called Macy 's, but they refuse to work with me, claiming that the issue was resolved on the day that I paid off the balance and closed the account. 

To be clear, I accept that I was irresponsible by forgetting about this debt and allowing it to become delinquent. However, I certainly think that Macy 's could have made a more serious effort to contact me once I was in the grace period. In fact, the mortgage agent, remarked that, through the years, Macy 's has become known to him for causing so many similar problems on other mortgage applications. 

Ideally, the CFPB would be able to help me get this information removed from my credit report. I have considered hiring an attorney but am worried that my case will be very difficult to prove. ( For example, how can I prove that I never received any physical mail or that I could n't successfully log in? ) Thank you for your consideration.

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 07/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello, on XX/XX/XXXX someone used my card at a chase ATM when I had just gotten off work at XXXX XXXX, and chase is saying that since the person used my PIN number I am eligible for the fee and they have my account {$210.00} in the whole due to not simply checking the video .The person took the money out at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: I closed my credit card account with Citi on XX/XX/XXXX. I paid the account balance in full on XX/XX/XXXX.The last statement was due on XX/XX/XXXX so I now realize this was late. I was charged interest of {$3.00} and a late fee of {$25.00} on XX/XX/XXXX ( the day after I paid the account balance in full and two days after the XXXX statement was due ). Of course I did not realize I was charged because I did not know the bill was paid late and I had though that I had paid the account balance in full ( not just the statement amount ). Since then I 've been charged an additional late fee of {$25.00} and an additional interest charge of {$0.00}. I asked them to please remove the late fees since this was clearly a misunderstanding, I had never paid a bill late before, and had already attempted to close the account. Citi told me that they can not waive the late fees because my account was closed. I feel that I am being penalized for closing the account. The terms also say : " The amount of your late fee will never be higher than your Minimum Payment Due '' which is not true in my case since the minimum would have been the interest charged. Also, I was told that my account did not have " Courtesy Late Fee '' removal because I earned miles using the card ( though other Citi cards do ) and that is not listed in the terms of agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Late fee

Complaint: For about 50 years, I had a credit card with Macy 's. For the past 20 years, at least, I rarely used it. Occasionally, there would be a discount available on a purchase with the use of the card, and I would use it then. Since I used it so rarely, I usually had to update the account with the cashier at the time of purchase. Each time, I continued to have the same card, same number, and same name on it. In XX/XX/2016 I made a purchase, using my Macy 's card, was told I had to update it, and did. This update was a bit more complicated, and I was issued a new card with a new number and in a variation of my name - from XXXX ( husband 's name ) to my name. I received the bill for that purchase, which was due in mid XXXX and paid it on time. 
In XXXX I made another purchase at Macy 's in the amount of {$48.00} on my credit card and did n't receive a XXXX statement. I did n't realize that I did n't receive a statement because I was unused to looking for Macy 's bills. I will mention here that for at least 40 years I have used my other credit cards extensively each month and pay them on time and in full. Besides being old ( XXXX ) I 'm old fashioned that way! 
In late XXXX I received a phone call from Macy 's saying that my XXXX bill had n't been paid. I explained that I had n't received a bill and was told that I owed {$75.00}. I was surprised and believed that if I could speak with a superior, I could explain the error. After asking repeatedly for someone who could help me rather than someone who was trained to parrot over and over, " That 's our policy, '' I said that when I received a bill, I would pay it since I did n't know the exact amount of my purchase, but that I would n't pay a fee. 
In XXXX I received a Macy 's bill for {$75.00} - my purchase of {$48.00} plus a fee of {$29.00}. I immediately paid the {$48.00} of my purchase. Shortly afterward, before the next billing period, I received a robocall from Macy 's with instructions to call a certain number and give them a number to access an " important message about my account. '' I naively believed that the message would be that everything was settled so I followed the directions, was on hold for 15 minutes and then disconnected. I never spoke to a human being. Since then, I have received two more statements - XXXX and XXXX - and my bill is now up to {$100.00}. Macy 's robocalls me at least once, sometimes twice a day. I 've ignored the 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 monetary relief
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via XXXX on XX/XX/XXXX. Initially, XXXX did not provide me with a closing bill ( the process took 6 weeks and a complaint to the California Public Utilities Commission before they finally sent it to me via email ). Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with my card issuer while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} ) with my XXXX XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than 10 times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. XXXX maintains the transaction went through on their end - and again - provided me with a transaction # and confirmation code. To date, two weeks into the dispute process, I have not been given anything further - other than threats of further collection efforts and damage to my credit. I need the CFPB to please intervene here. I am willing and able to produce all documentation, including the endless email trail with XXXX, to prove that my final bill was paid - IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are hard inquiry on my account that I did n't authorize. 
* XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with Continental Finance Company, LLC (NC).
Issue: Billing disputes

Complaint: Continental Finance  issued me a   XXXX  card  that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called  XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from  one  department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over   XXXX   % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously  may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.

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 06/27/2017 about Debt collection (Private student loan debt) with Northstar Location Services, LLC (MI).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from Northstar Location Services. She stated she was calling on behalf of XXXX and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by XXXX. However, I also found out that XXXX is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called Northstar back to provide this information, I was then informed they are a debt collections agency.

Company response to consumer: Closed with explanation