milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' It appears that my information was compromised per Equifax 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Bankruptcy

Complaint: I filed for bankruptcy ( Ch. XXXX ) on XXXX XXXX, 2015. I listed Synchrony Bank Master Card as a debtor. The bank did not appear at any Trustee meetings. The bankruptcy was discharged in XXXX, 2015. Despite my filing for bankruptcy, I have continued to receive statements, the account has continued to accrue interest and other fees for nonpayment. I have informed Synchrony Bank on XXXX separate occasions that I should not be receiving statements or interest and fees charges, but they continue to send their invoices. Today, I called again, and although the debt has been discharged in bankruptcy court, the bank refuses to acknowledge the discharge, and I have no doubt I will continue to receive bills from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I have been trying to work with BOA for over 2 years on how they charge me fees, they continue change me fees when funds are in the account but when I a transaction comes in saying pending they go ahead and change fee if balance is low even if the transactions has not posted to the account so far I am up to XXXX in fees over the last to months, because I have a small business I cant close the account is up until my contact is up with government, When you speak with some manager they say they 're not to charge a fee until it post to the account, they change/post fees then post the payment putting you overdrawn prior to payment posting something needs to be done its XXXX seeing your money go to fees when you have funds in your account to cover some of these payments. 
I glad this is not my only bank.

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 09/15/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company continues to harass and threaten us despite the fact that we are current with our mortgage and hazard insurance payments. We have sent them several letters with proof of payment yet they continue to send monthly harassment letters. My Husband and I suffer from XXXX health problems and the stress from Citi Financial is becoming unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Other fee

Complaint: Amex XXXX Cardholder for over 10 years. XXXX stated on annual fee of {$450.00} for my wife and I ( joint account ). For the first time since opening the account we have been billed an additional {$170.00} annual fee for my wife which is not part of the T & C 's and Amex will not honor the disclosed XXXX 's after multiple calls. This is a clear UDAPP issue and no prior notice has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The attached lawsuit .pdf, page XXXX, is at issue for my CFPB complaints regarding my student loans. In XX/XX/XXXX, AES made the same claim as listed on page XXXX. By doing this, they misrepresented themself and the related agency laws related to the agency of the federal government at issue in my loan. Other cases and appeals finally stated that AES is a simple corporation and could be sued. This is a XX/XX/XXXX case which clearly falls between my XX/XX/XXXX IBR communications with AES and my XX/XX/XXXX CFPB complaints against AES and XXXX XXXX XXXX. In those complaints I provided detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.

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 01-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: I would like to dispute a Capital one Bank USA located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in the year XXXX I started school at the University XXXX in XXXX. I took a very small load of classes at the time. I have to mention i am from XXXX, Texas XXXX. While I was attending at the Universtiy XXXX in XXXX. My Families home was hit by Hurricane XXXX so i told all my professors that i am going back to TEXAS. I also filled out the proper paperwork at the registar 's office to withdrawl from the University. So i was told everything was good and i had withdrew from the University the correct way. Anyways when i got to Texas and was helping my family with all the difficulties of the hurricane. I started getting puhone calls and letters from Navient i have repeated my story to them with no help ... This has been going on for a long time.. They keep re-appealing this case and the interest just keeps going up??? What can I do?? The President had declared my families Home a disaster area!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt belongs to the father of this child, court order stipulates father is owner of debt. This was put under the wrong guardian.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX did not submit my claim in a timely fashion to XXXX XXXX XXXX XXXX ... .they later sold my account sending ALL OF MY MEDICAL INFORMATION ... everything I was treated for WHICH IS CLEARLY A VIOLATION OF HIPAA LAWS WHICH clearly states that my individual and identifiable health information should be private UNLESS I GIVE PERMISSION to release ... I DID NOT GIVE PERMISSION ... AND THERE IS NO SIGNED CONSENT TO RELEASE MY INFORMATION

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 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: Public record information inaccurate

Complaint: Equifax credit reporting continue to report inaccurate information on my credit report violation of Fair Credit Reporting Act section ( 604 ) ( 605B. ) ( 609 ) and ( 611 )  Equifax has not verified third party information as 100 % accurate disputed items are XXXX XXXX XXXX XXXX acc # XXXX also XXXX XXXX XXXX acc # XXXX in the amount of XXXX, also XXXX XXXX XXXX acc # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: XXXX # XXXX XXXX. XXXX XXXX XX/XX/XXXX OnXX/XX/XXXX chase given me a totally different answer then complaint XXXX of XXXX XXXX role. Only XXXX XXXX can answer this question. 

Produce documentation and prove up with paperwork that XXXX XXXX   legally invested in my loan loan XXXX without my knowledge and while chase was my servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan modification,collection,foreclosure

Complaint: My mother and I purchased a home together. My mom got sick and was XXXX. We fell behind on our mortgage. We have tried to save our home by trying to get trying to get a modification with no avail. When we first started trying to modify, XXXX XXXX XXXX had the Mortgage. I faxed all the forms and necessary documentation to them at least 15 to 20 times and was always told they did not receive the faxes I sent, even though I had the fax confirmation sheets. I finally took all my forms and documents to the XXXX XXXX XXXX Branch that I got the mortgage from and provided them with the fax # and they faxed it for me. ( XXXX-then said they received the fax. ) They were about to do a trial modification in " I believe XX/XX/XXXX " per a phone conversation I had with one of there Customer Service Representative at the XXXX phone #. About a week later, I received a letter from XXXX stating they will be putting my mortgage with a company called OCWEN. I called XXXX and OCWEN and was told that I will have to start the modification process all over again. ( I started the modification process in XX/XX/XXXX. ) I did just that and OCWEN also started off with saying they were not receiving my faxes. In the mean time to save my home, I had to file Bankruptcy, Chapter XXXX. I paid on the Bankruptcy for about 18 months in the about of over {$38000.00}. The bankruptcy court dismissed the case because I did n't make enough money to make the entire payment every month. The whole time the home was in Bankruptcy, I was still trying to get a modification and also XXXX Grant that was available XX/XX/XXXX to help people that were having trouble and facing forcelosre. I have actively tried constantly to get this situation resolved and have not been able to. OCWEN would say that I made to much money or not enough money to qualify and my income did not ever vary.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A debt collector, Portfolio Recovery Associates LLC ( PRA ), has been attempting to collect a debt arising from a debt I allegedly owe XXXX XXXX from about the year XX/XX/XXXX. 

Prior to XX/XX/XXXX, PRA had made numerous phone calls to my home phone. Most calls went to my voicemail ( often no message was left ). 

On XXXX, PRA called me again, this time I answered. After the caller identified himself and the alleged debt he wanted to collect, I informed him that I was NOT willing to make payment on XXXX XXXX 's behalf, and to STOP calling me about this matter. 

On XXXX XXXX, I wrote PRA a letter stating that any further collection attempts would not elicit any payment from me, and directing PRA to stop communicating with me about this matter, regardless of the form of communication. I sent the letter Certified Mail, and verified with the XXXX Postal Service that PRA received the letter on XXXX XXXX. 

On XXXX XXXX, I received via XXXX a communication dated XXXX XXXX from PRA again attempting to collect on behalf of XXXX XXXX. Please note this is AFTER PRA received my letter on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX this account is old and still reporting way further back than it needs. As well creditor agreed same stating deliquincies listed though i dispute are from well over 5 years ago. 

XXXX bureau still reporting another old delinquincy, grantor states should not go back this far XXXX XXXX fraud account XXXX fraudulent inquiries XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I ask them to remove hard inquiries that was mines and also i asked them to provide me with signed documentation from a collection company there 's was not any proof sent to me to show they had any right to collect that the debt or that it was even mines

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 03-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (CA).
Issue: Other transaction problem

Complaint: Hello, My name is XXXX XXXX XXXX, XXXX XXXX, XXXX, California XXXX. I am a client ( Client Account : XXXX XXXX ) of the crypto currency exchange, Payward INC. ( XXXX XXXX ),  XXXX XXXX XXXX, XXXX, California XXXX ; that does business in California as crytpcurrency exchange ; Kraken, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, California XXXX. 

On XX/XX/XXXX, I am the owner of XXXX EOS tokens ( worth on that date, {$8500.00} ), an Ethereum ( ETH ) based XXXX token. XXXX tokens are only abled to be sent to and from using the ETH block chain. Kraken utilizes unique crypto currency wallets addresses to track the deposits and withdrawals for the ETH and EOS tokens. 

On XX/XX/XXXX, EOS social media reported that the holders of EOS tokens would receive free airdropped tokens for each EOS token they own, and that the free airdrops would occur on or about XX/XX/XXXX. The EOS related information explained that in order to receive the free airdrop tokens your EOS must be held in a ETH wallet address before the XX/XX/XXXX deadline. On XX/XX/XXXX, I sent XXXX EOS to my Kraken ETH wallet address in order to obtain the free airdrop tokens. 

After my XXXX EOS was sent from XXXX  ETH wallet address ( XXXX ) to my Kraken ETH wallet address, ( XXXX ), Kraken did not did not credit either my Kraken ETH or EOS wallet addresses with the XXXX EOS tokens ( my digital currentcy property ) that I had sent on XX/XX/XXXX. 

On XX/XX/XXXX, after waiting for Kraken to credit my EOS or ETH wallets with my missing XXXX EOS tokens, I submitted a Kraken support ticket, ticket number XXXX, requesting a credit for my missing XXXX EOS tokens. After submitting my support request I did not hear anything back from Kraken. I also found out afterwards that Kraken does not support the free EOS airdrop tokens because the exchange does to provide the private keys for their exchange wallets, and therefore I was not able to obtain any of the free EOS airdrop tokens. 

I have emailed Kraken multiple times over the last two months, and to date, I have not received any resolution about fixing this matter, or a provided with a status of when they will either credit my Kraken ETH/EOS wallets that they are going to provide me with compensation for my missing XXXX EOS tokens or about giving me compensation about the {$8500.00}, the value of my tokens at the time, that they are withholding in the EOS Contract deposited to my Kraken ETH wallet, XXXX. 

I have the EOS token Tracker that shows that on XX/XX/XXXX, XXXX EOS tokens where sent from this ETH wallet address, XXXX, and sent to my Kraken ETH address, XXXX. 

I also have the ETH event txt logs that show when the transaction was conducted, ETH block number XXXX, and the EOS token holder from contract number, XXXX, that shows XXXX EOS tokens was sent to my Kraken wallet address : XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Taking out the loan or lease

Complaint: Because I 'm pay every 2 weekS and never decrease loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the 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 monetary relief