milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Bank account or service (Checking account) with BANK OF THE WEST (MN).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Bank of the West in XX/XX/2016 and requested to close the account on XX/XX/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it says I used some of it. In the meantime, the account is also accumulating monthly fees because I have a zero balance and they wo n't close the account to investigate this error. I am being harassed with bank letters notifying me they will contact collections to collect the outstanding fees on the account. What this financial institution is fraud and reminds me of XXXX fraudulently opening accounts on their customers behalf without them knowing, and charging them fees in the interim. This is a bad surprise that I hope to resolve and prevent to happen to others. Please help!

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As publicly stated by Equifax on XXXX XXXX, 2017, a  large portion of their database was breached in 2017. My information was confirmed to be a part of this breach which will negatively affect the following : my ability to easily apply for credit ; the security of my social security number, date of birth, past addresses and more, as they are now accessible to unknown persons ; my ability to effectively manage my credit without undue stress or concern.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by a credit collection agency on Friday XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX, XXXX for a false claim that I had an old credit card debt of {$1300.00} from Citi Bank that had been supposedly charged off in XX/XX/XXXX. Not only did I never open such an account, they are asking about an incorrect former employer. This debt does n't even show up on my credit report. They are threatening to sue me if I do not immediately set up a payment plan with them over the phone with my ATM debit card. They called me at XXXX XXXX this morning Monday XX/XX/XXXX before business hours. I called them back during business hours to speak with them again on this issue and it went to voicemail. I 've never received anything about a legitimate debt in writing either. I tried to look up this XXXX/collections agency and the only thing that comes up in a XXXX XXXX XXXX. I am afraid this harassment is going to continue and I need it to stop and I especially do not want them to escalate this and try to harass me at work, but most importantly I believe that this company is a scam trying to get me to release my banking info over the phone. I hope you are able to help in this matter!

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 10/17/2017 about Debt collection (Medical debt) with AmeriCollect (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Application processing delay

Complaint: I applied for a Chase XXXX XXXX credit card. At first, chase denied the application due to a fraud alert on my credit file. Once I removed the alert, I asked Chase to review my application again ... .it was denied a second time because I had apparently applied for credit too many times. Once I explained that the previous attempts were a local Chase branch applying for the wrong credit card by mistake and that no other accounts were actually established, Chase agreed to review my application yet again. This time, the application was approved with a {$20000.00} credit limit. This was several weeks ago but I had n't yet received my card so I called again ... this time I was told that my application was hold pending receipt of a copy of a government ID. I have faxed and mailed a copy of my driver 's license but still have not received my credit card in the mail. I am attaching my driver 's license to this complaint. Please complete the processing of my application and send me the credit card as soon as possible. One of the most attractive perks of the XXXX card are travel related ... .I am leaving soon for a vacation and would like to take advantage of these benefits. Please ensure that I have the card in my hands before XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Payday loan () with CNG FINANCIAL CORPORATION (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP. 
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My old address is listed as XXXX XXXX, XXXX, XXXX XXXX with my employer at XXXX XXXX XXXX XXXX in XXXX, XXXX 1964. In 1964, I was in high school. I can not live in XXXX, XXXX and work in XXXX XXXX for a company that is long out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my personal information and identity and opened up an unauthorized and fraudulent account with XXXX. I been receiving harassing, threatening and death threats telephone calls from representatives from LVNV Funding, LLC., in regards to the fraudulent account and the debt of {$220.00} I do not owe. The debt do not belong to me. SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Non-federal student loan) with LendKey Technologies, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid my loan on XX/XX/XXXX, and received confirmation. My loan servicing has now been transferred from XXXX XXXX XXXX XXXX to XXXX to Lendkey, and Lendkey is saying I have not made a payment yet and that it is overdue ( although this information should have been carried from XXXX ). I would like to know why my payment is not reflected in this new account. I would also like to receive verification of this debt now that it is with a new servicer, including the signed promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information 7 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied the acount number is XXXX XXXX XXXX XXXX opened 3 of them are shown on my credit report. .. 
There is also a hard Inquirie that should be removed from XXXX made on XX/XX/XXXX that I have no knowledge of and I did n't get any line of credit and I want it removed for that reason XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I bought our first house but the Loan was sold to the Money Source Inc. After being with them for a Year we Refinanced with them because we received a call from XXXX saying they can lower our Mortgage Payment. Which was great. Get to save some money. Or at least we thought. Well not really. We follow through with the XXXX and all of a sudden we never heard back from XXXX. A bit disrespectful towards us considering we had Multiple Questions regarding the Refinancing. Well then we had the fortune to speak with XXXX who followed the rest of the Refinancing with us. We asks numerous Questions regarding the Escrow, Taxes and she reasured us that she double checked everything and because of my XXXX Exception it lowered everything. Alright great well until we finished the Refinancing Loan. We get a Call from our Home Owner 's Insurance Company saying they have n't received payment and our policy is about to lapse. That was taken care of. Later we began inquiring about our Escrow Funds in for the Previous Loan and never been told about it or asked they applied the Entire Balance to the Refinancing Loan. Then until XX/XX/XXXX we receive the tax document Saying we need to pay {$2700.00} to MONEY Source because they under estimated taxes and escrow. If we do n't pay it our mortgage will be over {$1700.00} a XXXX. But if we do are Mortgage Payment is going from {$1300.00} to over {$1500.00} a month. Which we do n't have. Clearly there was n't any reason for us to Refinance except for Money Source to XXXX over a XXXX and Family out of their Money. Even though it 's something we asked them Multiple times about but clearly someone is n't doing their job Correctly or They do it for Profit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was a XXXX customer for a couple months and i agreed on an amount on a 2 year contract and that was XXXX dollars a month everytime i got my bill it was higher than the agreed on amount so i just kept paying my XXXX dollars and then late fees happened so i canceled the contract because they broke the contract agreement and submitted my account to multiple debt collectors and now its with XXXX that was already removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Years ago I received threatening and hang up phone calls concerning some debt I allegedly owed followed by correspondence from a law fi rm ( glorifi ed debt collection agency ). If I remember correctly, I replied to the correspondence with a request for proof of the debt. No such proof was ever received. Now, years later, the debt collector/law firm has apparently obtained judgment to garnish wages. What 's going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with DFC GLOBAL CORP (CA).
Issue: Can't stop withdrawals from your bank account

Complaint: Payday loan has been taken from my bank and it wasnt me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Filed a dispute with the XXXX credit agencies ( XXXX, Equifax and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: My 1st and 2nd mortgages were transferred from XXXX XXXX XXXX to Nationstar in XX/XX/XXXX. At the time, I was going through hardship and was seeking a loan modification. Nationstar resent the modification application papers and the 1st Mortgage was successfully modified and I started payments in XX/XX/XXXX. Later in XXXX I received two separate Loan Payoff Statements for both the 1st and 2nd. I neverheard anything else concerning the 2nd, no statements, nothing. ( My last payment to the 2nd Mortgage  was XX/XX/XXXX. ) I received a letter in XX/XX/XXXX stating that the 2nd. Mortgage had been charged off because they " were unable to cure the account delinquency and bring my loan current. '' No offer to modify the 2nd. Mortgage, no attempt to lump arrears into a new payment plan. Furthermore, there has been no reporting to the credit bureaus until now, the charge off has just been reported. No other reporting. I think Nationstar was negligent in their loan servicing which has impacted me, and negligent in their duties to perform for the 2nd Mortgage note holder, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE BANK USA NA To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I went to the XXXX.The hotel requested someone in our group leave a card to open a tab. I left my tab and they agreed they would not charge my card, rather just have an authorization, as long as the tab was paid in cash or by another form of payment. The tab was paid in cash by another friend, and the hotel still charged my card, thus they incurred double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Transunion continues to take pints away from my scores for no reason at all, last week they deducted XXXX points for no reason only to put XXXX points back on there, becaus eI have been leaning up my credit and my score has been increasing, if my points would have remained on there I would well be in the XXXX 's by now, but every time they know my score is about to increase they deduct for no reason, I have no missed payments, items removed off my typify and they are not Bro g fair, they are cheating me out of my points

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 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried multiple times ( online and by phone ) to obtain my free credit report, both have said my information is not correct and have not been able to get my credit report ( with all XXXX companies ). I lost my social security card and have been denied credit, I just want to make sure no identity theft occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief