milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I very respectfully request a throughout review about the below claim against Freedom mortgage. I sincerely hope that it is resolved on my favor. 
Freedom mortgage has been reported the credit bureaus XXXX, XXXX and XXXX a late payment since XXXX 2015 which has been brought my credit score gradually very low to the point that I was denied a credit transaction. 
I have been greatly affected by this report and have been requesting them several times to fix it to no avail. I am still showing late and my credit score is dropping dramatically. It got to the point that one representative told me to not worry about it that they have all my payments done on time and that was a system mistake. All the times I spoke to Freedom mortgage officers the call was announced to be recorded so I am assuming there are plenty of recording to follow out conversations about my payments that prove I have been asking them many times to fix the issue. 
On XXXX XXXX, 2015 I applied for a refinance loan and was declined. The mortgage office told me I had been late in a mortgage payment since XX/XX/XXXX with Freedom mortgage and with that I was automatically disqualified for a mortgage refinance. 
I immediately call Freedom mortgage but they seem to not understand what is going on and just keep on saying it is going to be fine but the damage is done and they are not fixing it. Nobody has reached me with solutions either. 
I sent the paper work to the credit bureaus but I have not been contacted nor I see any change in my score. My problem needs to be solve with urgency as I am desperately need to refinance a mortgage with very high rate. I am experiencing financial loss due to the false 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 04/27/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX I deposited {$200.00} into my savings account with Chase bank. On XX/XX/XXXX I went into the bank to request a bank card that was never mailed to me & learned that the account had {$0.00}. I told the banker that that could not be correct because I just put money in the account on XX/XX/XXXX & was told that money was withdrawn the same day it was deposited. I did not do the withdrawals & she called to report the transactions. One transaction was a miscellaneous debit withdrawal which is done manually but the manual withdrawal slip can not be produced! Chase reversed my credit saying that the investigation shows it was correct but have yet to show me a photo of the withdrawal slip or a photo of me completing the so called correct transaction ( both occured at the Chase main branch bank so I would like to see the proof & have them explain why my credits were reversed when I did n't do the withdrawals ). I had no reason to withdraw from the account because I took out {$300.00} from another account & placed the {$200.00} into my savings account and still had over {$300.00} in my other account, I did n't need to deposit money & then immediately withdraw it, I had a {$100.00} in my pocket & more than {$300.00} in another account days after the skimming transaction occured!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: had a bill with hospital which was paid in full somehow ability recovery services llc are trying to get me to pay again

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX 2017 I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: A company that does n't exist XXXX XXXX XXXX XXXX debited {$300.00} from my bank account. I filed a claim with Wells Fargo XXXX claim number XXXX ) and they issued me a credit. They said they needed my credit report showing that the supposed debt was not on my report. I emailed them the report which clearly shows I have no debt with this " company '' and on XXXX/XXXX/15 they took the credit back. I want MY money back. I received correspondence from Wells Fargo, and they put another customer 's letter in an envelope addressed to me. This is just an awful experience from a company that obviously does n't care about their customers ' privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Taking out the loan or lease

Complaint: I am a recent college grad and after graduation I met with a credit counselor to discuss how I can build my credit. Surprisingly, I found that there were several pieces of incorrect information on my credit files that did not belong to me. Specifically this Santander Account has a XXXX charge off collection filed on my XXXX and XXXX reports! I have never done business with this company so of course I submitted a dispute. After the dispute was done, it was still on my credit file and I was told that Santander conducted an investigation and " told '' them they had documents to verify that this is my account. I asked the credit bureaus to send me the documentation and of course they told me to contact Santander because they never actually sent them the PROOF. I called Santander 2 times to request these documents that they claim show proof of this account being mine and both times they REFUSED! The representatives were very defensive and rude. I was so amazed at how they could just state that I owe them something without no documentation. I am taking every action possible against this company and a law suit will be next.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Secured Resolutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing a debt form American Express that was transferred to the debt collection company of XXXX XXXX XXXX. I owed Amex an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by Amex. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called Amex to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have ZERO points. I tried explaining this to XXXX and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by XXXX and Amex when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with AMEX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  2017  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  2017 , saying the inquiry was as a result of a paperless application, which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report an they failed to do so.

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 02/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I received an email about a job I had applied for as a personal assistant to an art seller under the name XXXX XXXX. I was interviewed by phone, and asked to disperse funds upon recieving checks via XXXX delivery. I made deposits of 2 checks, one on XX/XX/XXXX and another on XX/XX/XXXX. The first deposit amount I was told to keep XXXX as my weekly wages, and send the remainder in the form of 2 online transfers using XXXX, one for XXXX, and another for XXXX, totaling XXXX. The amount in its entirety has been recalled from Bank of America by the sender, leaving me to answer for the negative funds. 

Now, the second check, which has already been established by BOA as likely being a scam check, will not be cancelled because its, out of their reach. The bank still has a week before its supposed to clear the check, but refuses to cancel it. Its as if i am staring at an oncoming train from the tracks, and I am not allowed to move. Ive made a huge mistake in accepting this money, and sending it to whomever is recieving it. Now that I realize, and greatly regret, my mistake, BOA will not allow me to miss this impending financial wreck.

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 01-01-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: About two years ago I used a XXXX credit card to make a XXXX purchase, then went to XXXX for 3 months. The bill arrived by mail. Of course I was not home to make the payment. I paid it as soon as I arrived home, with two months late fees, so my {$35.00} original bill became {$100.00}. This is the problem : XXXX referred the bill to a credit agency, equifax. 
Both Equifax and XXXX say that despite the circumstances and the bill being paid in full with late fees, nothing can be done to remove it. My {$35.00} bill is now a " Serious delinquency '' on all my credit reports FOR 10 YEARS! If you can not intervene, I would hope you can propose a law or procedure that assures that once a bill is paid, it can not remain on a credit report for more than a year. Thank you, XXXX XXXX Please respond

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problems caused by my funds being low

Complaint: Amount paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Other bank product/service) with UMB BANK, NATIONAL ASSOCIATION (KS).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.

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 12/17/2015 about Payday loan () with CNG FINANCIAL CORPORATION (WA).
Issue: Charged fees or interest I didn't expect

Complaint: calling and threatening me with court and coming to my house. This is the company : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Allgate Financial, LLC (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was googling myself today XXXX XXXX/XXXX/2015 XXXX and saw that I have a judgement against me for {$12000.00}! Supposedly I had a court date on XXXX/XXXX/2011. I never received any notification of legal action being taken and that was taken. The case information is from XXXX, Wisconsin, XXXX XXXX Case Number XXXX. 

Apparently the party that took me to court was Equable Ascent Financial LLC,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have no idea who this is, what its for and why I never received any type of notification at any time!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

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 11-09-2017 about Checking or savings account (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I bank at XXXX XXXX XXXX/Hancock Bank in XXXX, Louisiana. I recently had 10 unauthorized charges on my checking account # XXXX. I disputed this with the bank and after they reviewed the charges they sent me a letter saying that nothing was wrong. I DID NOT make these charges and I DID NOT authorize these charges. There were 10 separate charges for a total of {$610.00}. If you need documentation of these charges I have the documentation. I would like for these charges to be refunded back to my checking account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been receiving harassing and threatening telephone calls from a Bank of America representatives in regards to my Bank of America Visa credit card account : XXXX. Numerous representatives have harassed and threatened me to pay a debt of {$600.00} on my account. I informed each representative that my credit card was stolen and the {$600.00} debt is due to fraudulent charges. I am still being held liable for unauthorized use and fraudulent charges that do not belong to me. Under the Federal Trade Commission The Fair Credit Billing Act ( FCRA ) and Electronic Fund Transfer Act ( EFTA ) offer protection to a consumer if your credit, ATM or debit card are lost or stolen. I am not liable for unauthorized use or charges. I just Bank of America to delete and remove the debt of {$600.00} from my credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I learned of a debt with Chase Bank on a credit card that was totally made by my estranged/then ex wife over XXXX years that I did not even live at the address the billing was going to. She forged my name and used my SS number and information to open the card and I never had a card on the account. I stopped living at the address the billing was going to in XX/XX/XXXX. On XXXX XXXX, XXXX she sent me the bill in the mail during the pendency of our divorce and told me to pay it. She also changed the mailing address for the billing and the phone number to mine at that time. On XXXX XXXX my court order for divorce clearly made the bill not mine and hers and she was told to take my name off the account. Which she has not done as yet. The FTC was contacted in XX/XX/XXXX on this Fraud, Chase Fraud department was contacted many times and sent copies of the court order, The local State Police had the fraud complaint filed with them, the NYS AG had the fraud complaint filed with them. 
All of this documented and on record. And my credit file says disputed and called fraud as it was. I am waiting to go to court again with my exwife to enforce the court order as we speak. 
At XXXX on XX/XX/XXXX I received another harassing phone call from a girl at Chase Bank threating me that " I will never be able to get a loan again for less than 6 % because of this card ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.

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