milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: XXXX/XXXX/XXXX my cell was spammed as I rec 'd nonstop texts/emails. XXXX I began to receive nonstop robocalls as well as texts, emails & voicemails. XXXX advised me to use my phone in airplane mode and wifi. I could not use my phone via cell tower until XXXX when, for some reason, the spamming stopped. XXXX a thief using a fake unauthorized debit card in XXXX withdrew {$3000.00} from XXXX of my bank accts from a Chase branch ATM ( no cameras ). thief answered my " highly secure '' questions and was recognized by the Chase electronic voice to be me. I did not receive a text/email alert b/c my phone was inoperative. the XXXX withdrawal transactions were approved. thief then requested Chase transfer by phone ( XXXX ) {$2500.00} from XXXX different accounts & thief withdrew the rest of my money down to the last XXXX in a XXXX check cashing store ATM in XXXX NY. the XXXX transactions took 27 minutes. on XXXX my phone was working. I checked my accounts and immediately alerted Chase and the police to the fraudulent activity and theft of cash from my accounts. XXXX Chase rejected my claim of the {$5500.00} loss and I am appealing. combo phone spamming/debit card theft is something " Chase had never heard of ''. they are accusing me of sharing my information with someone, including my debit card, PIN and all of my secure information. I did not share any of this information. I have my authorized debit card in my possession at all times and I certainly did NOT give out my credit reports to anyone. the " highly secure '' questions are asked randomly by the bank and taken right off a person 's credit report. there have been no credit card purchases or accounts opened in my name - this crime was specifically for the theft of cash money. as of this date, XXXX XXXX, XXXX, Chase is not cooperating to reverse their conclusion that I am a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: UNFAIR PRACTICES and CHEATING BY WELLS FARGO I have saving & checking accounts and debit & credit cards with Wells Fargo. I used by my debit card to make an online payment. I had more than sufficient balance in My saving and checking accounts to pay for the transaction in full, however to settle the transaction the bank only used money in my Checking accounts and for the rest unfairly used over draft facility tied to my credit card. So while I have cash balance in my saving accounts I have been charged overdraft fees and interest for an overdraft on my credit card. THIS IS CHEATING as logically and as a fair business practice the bank should first be using money in saving account and not my credit card. I request your help to resolve the issue

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 07/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX sent their letter to all XXXX Credit Reporting Agency, to have their negative account removed from my credit files. Attached as Exhibit A is a copy of their letter regarding account XXXX. 
On XXXX XXXX, 2015, I sent my letter to Equifax reminding them of the deadline of thirty days to remove the XXXX XXXX XXXX XXXX negative account from my credit file. My letter is attached as Exhibit B. 
As of XXXX XXXX, 2015, Equifax did not remove the XXXX XXXX XXXX XXXX negative account from my credit files, which still appears with the comment : " Consumer disputes - reinvestigation in process, Consumer disputes after resolution. " There is nothing to dispute since XXXX XXXX XXXX XXXX unequivocally told the credit reporting agencies in writing, to remove the negative account. All credit reporting agencies removed the negative account, with the exception of Equifax. 
To date, the matter remains unremoved and unresolved with Equifax, while I am incurring substantial financial loss in my inability obtain reasonable financing for my business expansion due to Equifax negligence and/or disregard. Equifax 's credit report on my files is attached as Exhibit C. It shows the the XXXX XXXX XXXX XXXX, negative account still being reported as my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The debt is {$10000.00}. I requested more information by fax that include my email address on the X/XX/2017. Also I attached was a copy of a casher 's check and emails verifying the amount was incorrect. I was told they will have to investigate and I will have to pay {$4000.00} but the will have to report the {$10000.00}. and stay on my credit for seven years. Up to now I have receive a breakdown of the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have filed a complaint against this company before, complaint # XXXX. On my complaint, I stated : " On XXXX 18th_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec XXXX ''. 

The company responded. on their response, this company claims that they are able to provide validation documents. The statement they sent shows an account ending in XXXX and they are saying on their response to CFPB, XXXX purchased the XXXX XXXX credit card account ending in " XXXX '' on or about XXXX XXXX, XXXX. This proves that this account is unsubstantiated and unverified! What made you and this company claim that you verified this account and investigated it??? Furthermore, the company is reporting the status of the account incorrectly! They are reporting the status as " open '' instead of " collection ''. They have violated the California Credit Reporting Act. These violations had caused my credit to be harmed more than legally permissible. I am more than willing to get my legal counsel involved in this matter if this will not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hard inquiry on my credit report from XXXX that was an attempt of identity theft, I had already talked to XXXX, when they sent me a letter asking if I had made this request for a credit card, on XXXX XXXX, 2016. I called them & told them I had not requested this card, They understood & were very apologetic, They told me they contacted the credit agencies and reported this, I also joined all three agencies & sent them copies of our problem. the other agencies canceled this inquiry, but not XXXX. I have also tried through XXXX  XXXX to dispute this, but every time I tried, when I went to dispute, it never would come up so I could dispute it. I have called them to tell them, but I can not seem to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Debt collection (Medical debt) with Credit Bureau of Carbon County (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent a letter to 5 entities associated with a medical debt for a date of service of XX/XX/XXXX, regarding the fact that after my last payment to 2 associated debt collector/s in XX/XX/XXXX, for the date of service of XX/XX/XXXX, and payments made to each, that no single entity had responded to my letter dated XX/XX/XXXX, or sent any additional information about the remaining amount of the debt owed for the date of service on XX/XX/XXXX. It 's been several months since those checks were cashed and I 've heard nothing from any of them since XX/XX/XXXX, about the remaining balance ( s ) due. It 's been over 30 days since I sent letters to the 5 entities associated with the remaining debt for the date of service associated with XX/XX/XXXX, and I need answers. I need to know who holds the remaining debt. I need paper statements and each have refused to cooperate or work with me on these matters. Probably because each of the 5 entities are directly or indirectly connected to another situation I believe is under scrutiny/investigation by the Securities and Exchange Commission Office of the Whistleblower, the Department of Justice, the F.B.I. and the Consumer Financial Protection Bureau for money laundering issues that have nothing to do with the date of service of XX/XX/XXXX. That 's not my problem. That 's their problem. I owe an amount due for a date of service of XX/XX/XXXX. Period. The other debt related issues held with these entities will be resolved by federal law enforcement. Not by me and not by them. " They '' need to separate the 2 issues and have the balls to send me a statement with a balance due for XX/XX/XXXX All the other " debt '' they claim to hold outside the DOS of XX/XX/XXXX, is wrapped up in a money laundering scandal that I tried warning each about via a court proceeding and they failed to listen, and quite frankly I could give a XXXX 's XXXX. Send me a bill for the remaining balance due for the DOS of XX/XX/XXXX. That 's the issue front and center right now. The other issues will be dealt with by lawyers and federal law enforcement. They are separate issues and should be treated as such. I do n't want to be contacted over the phone about any of the debts under investigation. I do n't want to be contacted over the phone about the DOS of XX/XX/XXXX ; I want paper copies of balances due from whomever the debt holder ( s ) currently are and an explanation as to why no one has sent me a bill for the XX/XX/XXXX DOS since XX/XX/XXXX, and since they cashed those checks associated with those accounts since XX/XX/XXXX. I also do n't want any of these entities trying to pursue " debt '' they know is under federal investigation as it concerns anything but the DOS of XX/XX/XXXX. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said request. In turn, they responded by accusing me of disputing the debt in question and said they would be updating my credit report to reflect my dispute. I made it very clear in my letter that my request did not mean that I was disputing the debt only that I wanted validation of the debt.They have not provided me with any documentation proving that I am obligated to pay them anything and yet they have reported negative information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: hello please for your help i have rquested Equifax to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on dispute.equifax.com due to my girl freind can access it but i cant tested on several computers. 

Please inform Equifax who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with American Payment Holdco, Inc. (MD).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, I entered my local XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX to send cash through XXXX to pay the XXXX XXXX. I purchased a XXXX cash transfer for {$5700.00} ( one for {$5000.00} and the other for {$700.00} ). I received a XXXX receipts for the transactions ( attached ). I then called the XXXX XXXX to verify the receipt of the funds. XXXX confirmed the funds were not received. I called XXXX to verify transfer of the funds. I was told by XXXX that the reference number on the receipt did not belong to XXXX. I went back to the XXXX on XX/XX/XXXX to inquire about my transaction and discovered that the XXXX Associate had completed a Checkfree Pay transaction instead of my requested XXXX transaction. The associate called checkfree pay and was told that XXXX would receive the funds on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and was told that no payments were made to my account, and again told they do not recognize checkfree pay as an authorized form of payment. On the same day I did a conference call between XXXX and checkfree pay during which the XXXX representative informed checkfreepay that no monies were received and that he never heard of them. After hanging up the checkfree rep informs me that he will start an investigation ticket that will take up to 14 days. On XX/XX/XXXX I called XXXX again to check on the payment and told again no payments have been posted. On a second call the same day XXXX asked that I get a tracking number for the transaction so that they can trace the funds. I called checkfree again for the tracking number and told that they do not use tracking numbers, just the reference number found on the XXXX receipt. I told him that all electronic money transactions can be traced after which he gave a trace number XXXX XXXX XXXX,. I called XXXX and gave them the trace number. XXXX has promised to get back to me by tomorrow XX/XX/XXXX to update me on their investigation. XXXX and Checkfree both claim 24 hour transfer of funds and it is now 6 days later and {$5700.00} is in black space. I am without my vehicle to go to work and I am accumulating fees for non-payment. I have spoken to managers in the XXXX corporate headquarters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without return of my funds. I have been in contact with checkfree everyday from XX/XX/XXXX -XX/XX/XXXX ( except Sat and Sun ). Checkfree Pay continues to tell me that XXXX accepts payment from them all the time and that they receive calls from XXXX on a daily basis to verify payment, which completely contradicts what XXXX says.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: My first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.

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 02/28/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax keeps reporting my address incorrectly. I have sent them letters stating my address is XXXX XXXX XXXX, XXXX, NJ XXXX and NOT XXXX XXXX XXXX, XXXX, NJ XXXX.LOOK AT LAST PAGE OF ATTACHED CREDIT REPORT. Where are they getting their information from. How can i rely on the other information on my credit report like the XXXX XXXX account being reported correctly or the XXXX credit account which I asked for validation and payment history several times. Should those accounts be deleted also.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Other

Complaint: I took out a credit card over seven years ago just before the financial meltdown when times were somewhat good and rents were still really low. Being that I had never had a credit card before and it had a low limit I thought I was doing okay. They kept raising the limit and the interest which raised the note each month I had to pay before I realized it and they knew on my account notes that I was on a fixed income. so I tried to do what I could. It finally got to be too much and I could n't pay on it any longer. They started with harassing calls, threats with a collection agency until finally I got the police involved. Now it is past the seven years that the FCRA says they can legally keep it on my credit, yet Capital One keeps it on there like a dog with a bone because they do n't want me to ever have a chance to start over. They want me to stay in the ditch forever. The whole point of the seven year rule was that you get to start over at some point. Not let it keep hanging like a noose around your neck forever. They also have an account of mine when I used to have a checking account which they activated some kind of auto debit which I did n't even know about and it overdrew my checking account by XXXX bucks. They did that thinking with my medical XXXX check going in automatically they would make money off of me. However, I was a little too quick for them. And so was social security. They were able to aid me in getting away from Capital One 's predatory tactics once and for all. They nor I however dreamed Capital One would chase me until my grave.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with Halsted Financial Services, LLC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Halsted collection with multiple phone numbers ( XXXX ) continues to call me about an alleged debt that occurred XX/XX/XXXX. Of this alleged debt the statue of limitations for the state of Connecticut has been surpassed. XXXX XXXX was the gentleman I spoke with today XX/XX/XXXX. After being informed of the statue of limitations XXXX XXXX claimed that he will continue the phone calls regardless of who I call and reported his company to.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with Sessoms & Rogers, P.A. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor was XXXX XXXX. I owed was about $ XXXX as of XX/XX/XXXX. The last payment date on this was XX/XX/XXXX. 

I lost my job due to a work related XXXX and then lost the income from that as well. I am not sure how XXXX XXXX XXXX is involve, but I received no notification that they were filing a judgement against me. XXXX XXXX XXXX filed the judgement against me on XX/XX/XXXX in XXXX County Dist Court, Docket # XXXX in the amount of {$12000.00}. I did n't even know there was a judgement until I tried to refinance my home in XXXX of XXXX. At that time, the loan officer informed me that it was on my credit report. We did research and found that XXXX XXXX XXXX XXXX   has the file and the total amount they are charging me now is {$19000.00} as of XX/XX/XXXX. I have attempted to correct this with them, however, they continue to tell me that I need to speak to one person and that person is never available and will not return my calls. I have the information that they requested and I do n't know what they have done with it. 

They sent me a statement dated XX/XX/XXXX, told me in that letter that they are representing the XXXX XXXX XXXX, that my account number is XXXX ( they did n't even give me my entire account number ) and their file number is XXXX and told me that the amount owed is {$19000.00}. 

I have attempted on several occasions to correct this issue and have received no help in return. Instead, they continue to charge me 8 % interest per day and a $ XXXX/mth late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My Bank of America mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was Country Wide and was bought out by Bank of America in XXXX. Due to the recent National Mortgage settlement, Bank of America was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and 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 explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX TALK TO XXXX CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON 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 explanation