milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RFNA, LP (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work! 
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health. 
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Diversified Consultants Inc has reported on multiple credit reports that I opened an account with them on XX/XX/2017. I have NEVER OPENED AN ACCOUNT with Diversified Consultants Inc. I have never had any contractual relationship or dealings with DCI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/2016 and XXXX/XXXX/2016, I have used the services of Moneygram XXXX to send " XXXX '' money for something that I allegedly owed. I called XXXX 's customer support number to verify. XXXX told me it was a scam. I unplugged my computer, filed reports with the police, with the bank, Moneygram itself, several government agencies. I have talked with XXXX, they tell me to go the bank and the police to dispute the charges. I talked to the bank, they tell me to talk to Walmart and Moneygram XXXX as well as the local police to dispute the charges. I have tried everything to file the disputes with the bank, there isnt anything they can do about it. I am now trying to dispute Moneygram XXXX and Walmart for charges. I do have police report number and other report numbers from government websites if needed. I also still have receipts from the Moneygram purchases with reference numbers. Already filed reports with Moneygram XXXX about the charges. Local police have talked to Moneygram XXXX. Still havent heard anything back yet. Trying to see about getting help for it. May go to legal aid if I have to. I have lost in total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recieved a alert on my cell phone on XXXX/XXXX/XXXX that a new inquiry was added to my 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposited money into my checking account making my checking account XXXX total and a debit was posted to my account for XXXX almost XXXX hours later and BBT told me that the deposit will always post first before the credit. That is unethical and an easy way for the banks to get more overdraft fees from there customers. I had more then enough money in my account and they still charged me an overdraft fee and took money out of my savings when I had more then enough in my checking. Whether I deposit cash or not they told me it 's not readily available for use after XXXX that 's total nonsense and I 'm not the only one having this problem with BBT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. ().
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: In  XXXX  a company I work for in the United States sent me a  XXXX  dollars payment by check by mistake ( because I always request bank transfers, not che cks ) and  sent it to the wrong address in my country,  XXXX .     This check was cashed by an unknown person. The company that sent the check always told me that I was the who had to make the claim to the bank,  XXXX  Bank  XXXX ,  XXXX , and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by.     Last year (  XXXX   ) I  decided to contact  XXXX  bank once more and send new documentation and forms, unfortunately, this time JPGMorgan Chase Ba nk, N.A. d enied my claim to  XXXX  giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the  XXXX  and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost, and of course, banks are avoiding my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Allied Interstate LLC (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The most recent call from Allied Interstate came today XXXX XXXX, XXXX at XXXX am. They hide their number which is ( XXXX ) and get rude and belligerent with when you tell them they have the wrong number that XXXX XXXX XXXX does not live here and you do n't have contact information for him. 

They call my home and cell phone numbers constantly harassing and abusing me for XXXX XXXX XXXX and I DO NOT KNOW THIS PERSON.

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 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been unable to access my direct deposit payroll check since payday on XXXX/XXXX/2015. I have placed numerous calls to rush card but have only been able to speak with someone XXXX times. I was told twice ( Sat., XXXX EST, that an escalation request would be submitted & I would either have my deposit or hear from someone in 12 hrs. Then again on Monday, XXXX/XXXX/2015 I was gave my information again & assured that I would have my money by the end of business that day ). Today is Wednesday, XXXX/XXXX/2015 and I have been unable to contact anyone. Calls are disconnected. I have not received any tx, emails or phone call. In addition I have contacted XXXX, they we helpful, & I received more info from them since this nightmare started. I just want the truth, and an estimate of when or if I will be able to gain access. The total disrespect while paying lip service is so unacceptable. In this age of technology, it is hard to believe that it would take this long to rectify. It is very scary and there seems to be no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, 2016 I was made aware of my redemption rights and moved forward with selling my property at XXXX XXXX XXXX XXXX. XXXX KS XXXX. 

XXXX, 2016 I arrived at my property and discovered someone had mowed the property, changed the locks, pad locked the garage door and fence gates and removed all of my personal items. At that point i contacted Bank of America and was transferred multiple times with no resolution. 

XXXX XXXX, 2016 I entered into a binding contract to sell my home and closing was scheduled for XXXX XXXX, 2016. 

XXXX XXXX, 2016 I researched Bank of America and emailed XXXX XXXX, Chief Administrative Officer. XXXX then passed me along to XXXX XXXX, SR VP Enterprise Customer Care Resolution. He called me the same day and I made him aware of my situation. XXXX and I began communicating through email after the initial call I received from him. He made a few phone calls and I received an email from him that day with what was supposed to be the lock-box code which was incorrect. The following day I received an apology from him and was given the correct code. 

XXXX XXXX, 2016 I sent XXXX XXXX an email stating i was able to get into my home and thanked him for his help I also asked him to confirm that I will NOT be charged anything done to the property as of XXXX XXXX ( locks, mowing, maintenance etc. ) XXXX XXXX, 2016 XXXX responded CORRECT. I have all of the emails saved as well if you need that documentation i would be glad to send it. 

XXXX XXXX, 2016 I went to my property to do some final maintenance and move the rest of my items out. When i arrived once again my house was locked up and my personal items were gone. I immediately emailed XXXX XXXX and called XXXX XXXX ( BOA Attorney at XXXX & XXXX ). XXXX answered the phone and I informed him of my situation and my frustration. He told me he would contact his client and I would hear from someone the following Monday so i could get my items back. 

As of this moment i have not heard a word anyone. 

The other issue i have is that XXXX XXXX Attorney for BOA emailed me the redemption quote on XXXX XXXX, 2016. We closed on my home the morning of Friday, XXXX XXXX, 2016. At XXXX that same day I received an " updated '' redemption quote with added charges by BOA. 

Contacts : XXXX XXXX, SR VP Enterprise Customer Care Resolution BOA XXXX XXXX XXXX, Attorney XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has repeatedly attempted over the past 8 years to collect on a debt that is more than ten years old according to there own records and simply harass me when I asked to see proof of the debt. At the time I was certainly sure I had blue cross. I also was the victim of id theft on three credit cards and my social security card along with my id taken from a XXXX in XXXX. 

Nevertheless, I have asked this very aggressive company to provide proof of the debt and the have only threated to call my work if I did not begin to make payments. " My other number ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed the debt, the company sent a letter and a document that does not show what was paid by insurance and copay. The " bill '' of {$190.00} just states that I owe {$32.00} but does not break down which portion was covered by insurance or paid with patient copay. No further information was provided by the organization on the actual breakdown of charges and payments so I can see if there is an actual deficit in payment by the insurance because my portion was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement.

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 05-07-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: XXXX children submitted a Power of Attorney form to the Bank of America office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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: Both my husband and I  are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else's bad car loan.

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same.

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Hi there. First of all, thank you for this service.About four years ago, I opened a Chase account in XXXX, FL with my passport since I live in XXXX. I was and still am an XXXX XXXX  working in XXXX for several US companies, and it was in my best interest to have a US-based bank. In XX/XX/XXXX, I requested an early withdraw of my 401K plan from XXXX XXXX. This move was simply to help my younger brother who is XXXX from a rare XXXX called XXXX. (XXXX). On XX/XX/XXXX, XXXX sent me a check for $XXXX, which corresponded to the money I saved throughout the years, less taxes. I had to wire the money for my brother and on XX/XX/XXXX, all of sudden, Chase closed my bank account without any explanation.I supposed the wire transfers may have risen a flag, but this is my retirement money. This is my money and I transfer it however I want. Now it has been more than 3 weeks and Chase still is holding $XXXX, which I urgently need.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Payday loan) with National Principal Group, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep getting these phone calls of a payday loan i supposedly got many years ago. at first last year in 2015 i recieved XXXX and paid it because i know back in the time it was supposedly done i did do a few payday loans and might have forgotten XXXX and so i paid it to the collection agensy now in last couple of days i am recieving phone calls daily from XXXX using phone numbersXXXX and XXXX trying to make the same claim as last year which i paid ( now i 'm thinking i have been scammed ). either way they threatn with legal action and court for something that i paid for last year.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written and written Equifax to get inquiries off my report that were NOT authorized by me and even submitted a police report to that fact. They respond with " please be more specific with your concerns by listing account names, and the nature of the dispute '' THIS HAS TO BE A GAME, BECAUSE I STATED THAT I WAS A VICTIM OF IDENTITY THEFT AND GAVE THEM A LIST OF ITEMS THAT WERE NOT MINE AND A POLICE REPORT TO BACK IT UP. Is this something they do to just delay consumers from a reasonable investigation? It appears to be a game and I do n't think it 's funny as I am a VICTIM of identity THEFT and they are playing stupid!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with Recovery Solutions Group, LLC (IA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Threats against me of physical nature, threats of illegal service of false collection/court documents. Called my brother attempting to obtain personal information about me on X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: SCAM!!! 
A friend and I received a call from a " debt collector '' at XXXX. It was a recording that gave a callback number to pay the " debt '' and a woman 's name. I felt responsible to report them to warn other people and hopefully stop anyone from calling and becoming victim to it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: I took advantage of a one-time online offer of {$1.00} ( plus tax ) to get my XXXX score from XXXX I thought I was being charged {$1.00} for this one-time score. However, XXXX signed me up for a monthly membership and charged me {$23.00}. I read through their online page and I never saw anything that said I was signing up for a membership. They did not e-mail me a receipt so I do n't have proof about this. After the charge appeared on my credit card, I telephoned them but they said that they would cancel my membership but not reimburse me for the difference. Apparently, many other people have had the same complaint about them XXXX. 

Their advertising of the {$1.00} fee is deceptive with the fine print being placed in a small font at the bottom of the page ( I have been told ; I did not see it ). Their offer should say clearly ( not in fine print ) that this is a trial, that the person agreeing to it will be signed up for a monthly membership fee if they do n't cancel within 7 days, and that they should send a receipt for the agreement which lists the conditions. None of these conditions were true with XXXX. For a credit agency that supposedly investigates bad financial behavior and fraud, their behavior is anything but proper and open.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am formally requesting for  Midland Funding  provide the following case #  XXXX  : The Stature of Limitations concerning the alleged debt, furthermore I want to request for the following verification : Any telephonic recorded conversations that you had with me to verify the alleged debt and any payments and payment method I used such as personal checks, debt card, or money orders I made to  Midland Funding, Inc.  These are the items needed to verify a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the Law Offices of XXXX XXXX XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation