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. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is one of many complaints you will receive about Equifax 's security breach. I was not alerted in any fashion and only found out through word of mouth that my social security number, full address, date of birth, and possibly drivers license are compromised. Since Equifax offers a way to unfreeze credit using this information, it is impossible for me to guarantee illicit use of my information even if I employ a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, For the past 16 months US Bank has been the mortgage holder on a XXXX home that I own in New Jersey. During that time on roughly 4 separate occasions they have sent follow up mortgage statements that imply ( but do not explicitly state ) that my payment is past due. These follow up statements have been generated and sent BEFORE the payment due date and AFTER my payment is made. The first three times this occurred I was told by US Bank it was simply an automatic system generated statement and I can ignore it. This happened again and when I called US Bank on XXXX/XXXX/2016 I was told by a US Bank supervisor that they are required by federal law to generate these followup statements. According to US Bank for the payment that is currently due they have to send out a follow up statement 30 days after a previous payment is made and the payment that is currently due has not shown up in their system yet EVEN IF THE CURRENT PAYMENT IS NOT PAST DUE. In the most recent incident, for the payment we sent them ( due XXXX/XXXX/2016 ) the check had been presented to my bank for payment. I verified this through my bank 's website. 

There is nothing to indicate on these follow up statements to indicate that it is a reminder notice or any verbiage stating " If payment has been made please disregard ''. I believe that would go a long way to clearing up this confusion. 

I have also found US Bank to be rather slow in processing mortgage payments. We have tried to send our mortgage payment a little early to aleviate this issue but after the most recent conversation with US Bank it seems like that does nothing to solve the problem. 

I have never been late in making a mortgage payment to any financial institution on any property I have ever owned. I have also never heard of any federal law that requires mortgage holders to engage in the aforemetioned process. In my opinion by engaging in this practice US Bank is trying to coerce its customers into accelerating their mortgage payments. 

Any assistance you can offer in helping resolve this issue with US Bank would be appreciated. 

Feel free to reach out if additional information is needed. 

Sincerely, 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 03-05-2017 about Credit reporting () with Alorica Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This listed debt originated as a dispute between my health insurance and XXXX hospital. However, GLOBALRECEIV collection agency is in direct violation of The Fair Credit Reporting Act ( FCRA ) which limits how long a credit reporting agency can report negative items in your credit report, this debt is over 10 years old. The collection agencies keep selling the debt to each other and placing it on my credit report even though I keep advising the foregoing and that under the FCRA the clock does not start ticking again each time the account is sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Navy Federal Credit UNION refused to except my " promissory note, '' as an  ( security ) , as LEGAL TENDER, under current statutorial law. pursuant to the HOUSE  JOINT RESOLUTION 192 and public law 73-10, this credit union can not req uire an payment complaintant to pay neither GOLD, COIN, or any particular kind of currency of FEDERAL RESERVE NOTES, BANK NOTES, CERTIFICATES etc. as declared to be against PUBLIC POLICY ... Also the denial of my promissory note as LEGEAL TENDER, under Uniform Commercial Code and securities law clearly demands this authority. this credit union refused to except the payment of legal tender as law requires.   see titl e 31 USC s. 5118 ( d ) 2 ). title 31 s. 463 9728    XXXX   XXXX   XXXX   XXXX   XXXX  . This whole procedural is fraudulent. THUS putting this information on my credit information and social security information ....     Date :  XXXX / XXXX / XXXX  Amount : {$540.00} NAVY FEDERAL CREDIT UNION  XXXX   XXXX   XXXX   XXXX   XXXX , VIRGINIA  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citibank promising a {$400.00} bonus for depositing {$15000.00} for one month. After {$15000.00} being in my account for three months, not only have I not received the bonus, but I have written five letters to Citibank without receiving the bonus. I also have not received a confirmation that I will receive the bonus. I need to use that {$15000.00} elsewhere. 
At this point, I believe i should receive three {$400.00} payments for the bank holding my {$15000.00} for three months and purposely delaying payment through stalling techniques. Please ask them to pay me now.

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 01/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me

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 08-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These blundering XXXX at equifax have fraudulently SELF-CREATED a phony account in MY file using my wifes personal information. THESE XXXX NEVER have my permission to blunder away my information with my wife. NOW these XXXX do n't recognize me, because MY wifes personal information has taken over MY ACCOUNT?! # HOW stuck on XXXX are these XXXX?! # NOW, I have been playing phone tag with wrong numbers, incompetent XXXX, calling themselves equifax, ONLY a different department?! # WHAT!!!!!!!!!!!!! I can NOT get credit or rent a new apartment or room without a generic credit report. THESE XXXX have caused me extreme rage and anxiety. I told you people this years ago. Here we are!!!! I tried to get a free flu shot for veterans at walgreens. MY name and social security number comes up as a MIS-Match?! # NOW I have been wasting my time with equifaxs generic security website, which goes to trustedid.com. STILL does NOT work or recognize me. I want my file frozen from these idiots permanently. I want my wife 's information out of MY file NOW!!!!! How would clumsy XXXX protect anyones personal information?! # I had to go round and round with these idiots with there sloppy outdated obviously INACCURATE blunders in my file for years! How many complaints to you people. I warned you people years ago this would happen. Worthless XXXX  sloppy with everyones personal information. Here we are!!!! Nothing has changed!!!!! Same run around, wrong numbers, generic voice mails or sloppy self-created automated system to EVADE any accountability!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Credit card) with Qualey Law Group, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against XXXX for these unfair practices and won the case last year. The debt collector XXXX hired has n't stopped their unfair collection practices eventhough case against XXXX has been won and XXXX is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against XXXX nor to desist collection for XXXX. I told them i was filing a claim at the attorney general because of the lawsuit against XXXX snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to XXXX was never properly verified by XXXX nor rid XXXX notified me that the debt was being sold. 
I got into a situation of not being able pay XXXX due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing XXXX i was going to file bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with Gatestone & Co. International Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: My account with Equifax was hacked and my personal information was exposed. I signed up with Equifax for their Credit Monitoring service. I requested that my account be locked. 

I later tried to unlock the report on line, so that I could apply for internet/telephone service for my home. When I tried to log in, I was told that my password was no longer valid. They had a feature to reset my password. I asked them to do that, but they never sent me the link to reset it. 

None of their telephone numbers connect to a live person, so I can not explain the problem. 

My credit report is now frozen and because they will not send the password reset, I can not complete my consumer transaction. The telephone company only uses the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with Kohn Law Firm S.C. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: re-aging a debt so it remains in my credit file

Company response to consumer: Closed with explanation