milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I got a new car in 2016. I had a 72 month note. Months later I paid a lump sum on the note because I am retiring in less than 2 years. After I paid the lump sum my date to pay off the car went from 72 months to about 24 months. I will have my car paid off in 13 months as of now. However, I missed a payment 2 months ago. I told them I was having medical issues and I will hopefully catch up on the missed month as soon as possible. I reminded them that I had paid a lump sum to cut down the time of the car loan and I did n't think I could be behind on my account. I literally took 5 years off my account so how could it be behind. I have n't missed another payment. I have now received a letter stating that adverse actions would be taken if I did n't pay the missed amount. Also, my account is now saying I am 3 payments behind when I only missed one. I am not missing another payment but this does n't sound legal. It seems the closer I get to paying off the car the more the company harasses me. The company did n't recalculate my payments after I paid most of the car off but they are threatening me for missing a payment. What do I need to do and how can they do this when the account is 4 years ahead?

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried several times over the past XXXX years to get my credit report from Experian. I wrote a letter requesting their help. Apparently, the letter and request were ignored. i have not been able to get a credit report from them. I have no way of knowing if the problem which existed in the past with error on report has been fixed ( unless I pay them ). FREE means I do not have to pay for an annual credit 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 non-monetary relief
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit reports has my address wrong. My address is XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I ca n't access my money from my app because the bank does n't update my transactions

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 11/26/2016 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery Partners, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: number is XXXX in XXXX arizona. claims he is a XXXX and associated with XXXX. threatens to take drivers license, arrest me and other family members. has called every XXXX of my relatives harrasing them. extremely threatening and rude. uses strong arm tactics and attempts to gather personal and sensitve information. threatened my grandmother with arrest and legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clark County Collection Service (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After the XXXX breach, I check my reports daily until the alerts are placed on them. I noticed a new derogatory collection account. The name is Clark County XXXX XXXX XXXX. First of all, this debt was originally with XXXX XXXX XXXX of which an agreement was reached after I filed a complaint regarding their collection actions. I informed XXXX XXXX XXXX that I had a medical emergency in my family where my sister was comatose for 8 days and hospitalized for 53 days. XXXX did n't cover most of the medications, devices, special equipment, etc., that would keep her alive and give a better quality of life. My family and I had to come out-of-pocket for those expenses which cost us thousands of dollars. I called XXXX XXXX XXXX and asked them could they forgive the debt due to this critical situation. XXXX XXXX XXXX no longer contacted me after midXXXX. I looked at my credit report in mid-XXXX, and saw the balance owed at {$0.00}. I assumed XXXX XXXX XXXX forgave the debt as I had asked due to my dire situation. When I looked at my credit report today, I see this collection account from Clark County Collection, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. I 've never heard of nor received any type of correspondence from this company. Just the negative information on my credit report. I tried to phone Clark County of which the phone just rings endlessly and no one ever answers the calls. I 'm trying to purchase a home and need this negative information removed immediately. Your prompt attention regarding this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against Chase Bank XXXX, XXXX. INQUIRIES DATE : XXXX XXXX AND ALSO XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Debt collection (I do not know) with Livingston Financial, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The company claims i owed them and i have no knowledge of what they are talking about and they say this matter is fro m 2010 i  am being a victim of stolen identity and i need them provided me with documents witch they should have staying that is me my signature and photo copy 's of documentation

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with STERLING JEWELERS, INC. (GA).
Issue: Credit card protection / Debt protection

Complaint: Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have payed XXXX in full I try ed around 10 times to down load the receipt of full payment nothing owed on this account and it will not let me down load the info also they have a medical bill from XXXX XXXX for XXXX from XX/XX/XXXX I have full coverage medical insurance from XXXX Obama care and have had it for years and it 's scheduled to be deleted in XX/XX/XXXX from XX/XX/XXXX this is a fraud because I have no deductible insurance

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 02-01-2016 about Credit card () with EXPERT GLOBAL SOLUTIONS, INC. (OK).
Issue: Billing disputes

Complaint: XXXX. XXXX I received a call for a late payment on a credit Card opened In XX/XX/XXXX, this was not my card. I have never used it or made a payment on it. It was used by my Daughter. I ask for all copies of their papers and they DId n't send anything. I fill ed out their fraud papers And they removed it from my credit reports. after a Few months they put it back. and stopped calling. 
Until XX/XX/XXXX when the payment s stopped I am retired and live on my social security.please Help. 


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Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: I took out a credit line mortgage in  XX/XX/XXXX with Citibank. Citibank issued a satisfaction of mortgage that was filed releasing the mortgage but does not understand that I am unable to complete the short sale of my property unless they release the judgment lien they filed against the property in  XXXX . I have an approval to close on my sale. However, the Title company advises I must have a release of the mortgage and judgement lien. The judgment lien is for the credit line mortgage which Citibank issued the satisfaction for. I have tried to explain this to the customer service dept, but no one understands and keep sending me the same document.  <P/> I have attached a copy of the original credit line documents and the judgment filed with the court. I simply need a release of the judgment lien which releases the same credit line mortgage, I was issued a satisfaction of mortgage for. Please see attached.  <P/> Time is of the essence on this matter. Please help 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 non-monetary relief
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for American Express through their pre approval page on their website. It showed me 3 cards with 2 different interest rates. When I received my card member terms of agreement ; the APR was at a random amount not even shown in any of the pre approval options. I called them right away and they made a case. Ive called about 6 times on the matter and no one there can get to me a department that can explain whats going on nor do they send me any correspondence about this so called investigation which they told me takes 60 days. Ive had my account open now about 4 months. To make matters worse, I received their 15 months no interest offer, and I keep getting charged interest every single statement period. Im sick of calling them. Theyre incorrectly and I feel illegally, reporting false debt totals to the credit bureaus. Ive called about this also every single month. Nothing is done. Im furious.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights. 

The fraud activity was noticed in my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My very private and crucial information, such as SSN, Date of Birth, Full Name, Addresses, Credit Card information were stolen and are now floating around somewhere as public information. This causes an unending sense of insecurity and worry due to constant possible identity theft, money stolen, etc. Heavy mental stressed placed on me due to the breach of my security and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: I paid off my credit card in XXXX 2016 and then I received a bill for {$58.00} today XXXX XXXX, 2016. I called JP Morgan Chase costumer service and they told me this is a residual balance. I then asked, is the only charge I willhave to pay? But then I was told that I will probably have to pay more residual balances after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Bryant Bryant & Associates LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received calls from " Bryant Bryant and Associates '' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n't need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was contacted by Detective XXXX with XXXX XXXX PD in CA on XX/XX/XXXX. He advised I was a victim of fraud. Detective XXXX   can be reached at XXXX, Case # wcpd XXXX I am also working with Det. Lt. XXXX XXXX # XXXX with the XXXX  Police Department in in MO. Detective XXXX  can be reached at XXXX, Case # XXXX. I am also working with US Postal Inspector XXXX XXXX  with the XXXX XXXX XXXX XXXX. XXXX XXXX can be reached at XXXX, Case # XXXX. I have also filed a report locally with the XXXX County Sheriff 's Office with Deputy XXXX XXXX. XXXX XXXX  can be reached at XXXX, Case # XXXX. The perpetrator is XXXX XXXX XXXX  who has been arrested and will stand trial for Identity Theft via US Department of Justice, Case # XXXX  Court Docket # XXXX, prosecutor XXXX XXXX XXXX. I understand the file has also been forwarded to XXXX XXXX FBI. As a result of this, I filed FTC Report # XXXX. Included in that report are accounts affected by the crime including fraudulant auto loan or lease XXXX XXXX XXXX, Account XXXX for amount {$72000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Also included was fraudualnt mobile phone account Receivables Performance obo XXXX, Account XXXX  for amount {$3000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Both companies are still reporting to XXXX. I am still trying to resolve this and could use your help please.

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 05-12-2015 about Bank account or service (Other bank product/service) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Making/receiving payments, sending money

Complaint: I refinanced an existing home loan with Umpqua Bank in XXXX this year. Since then I have been on the phone for several hours trying to get my insurance and auto deposit set up correctly. In the last two weeks Umpqua has taken XXXX full mortgage payments from my checking account but not at the date they specified. My insurance company says that my balance with them is short {$60.00} but when I call Umpqua they tell me the account is fine.

Company response to consumer: Closed with explanation