milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received repeated phone calls from Kohls Department Store collections. They left prerecorded voicemail telling me to call XXXX at the following numbers and times : XXXX - X/X/17 XXXX XXXX - X/X/17 XXXX XXXX XXXX - X/X/17 XXXX XXXX X/X/17 XXXX XXXX X/X/17 XXXX XXXX - X/XX/17 XXXX XXXX - X/XX/17 XXXX I communicated to them that I would like only written notices from them concerning my bills but continued to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a XXXX XXXX credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a XXXX XXXX credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Settlement process and costs

Complaint: I am XXXX XXXX at XXXX Texas XXXX. 
I financed my house on XX/XX/XXXX. I had no issues with my loanwhen it was being serviced by XXXX from XXXX to XXXX. I hadelected to defer my taxes, which is allowed in Texas for over XXXXhomeowners. To prepare for the deferment I had put down XXXX percent. 
The loan was subsequently transferred to XXXX XXXX for one year. 
In XXXX they transferred the servicing to Seterus. Suddenly, I was informed that I owed a deficiency of {$26000.00}, the amount thatI had deferred over the years, which they later adjusted to {$34000.00}. 
The new payment would be {$5200.00} per month. This is wrong, I didwhat I was supposed to do regarding the initial structure of my loanand deferred taxes. This has affected my overall credit score and theyhave stated that I am late. My mortgage broker is trying to help mewith the documentation. I think that this is illegal on the part of Seterus to demand that I suddenly require that I pay all of my legally deferred taxes. I cannotafford the payment that they are asking for and now because of thisdilemma I can not refinance out of their loan, I need help as soon aspossible. They will not speak to me regarding revising their position onthe deferment. They have also stated that I amlate on the XXXX payment, which I made on time. I am fearful ofloosing my house over something that is allowable. I never had problemsbefore this. My Contact information is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I submitted a request with Chase bank through my checking to have them pay {$2200.00} to my mortgage company, XXXX XXXXe. On XX/XX/XXXX Chase bank gave notice the check was sent. However, XXXX XXXX never received the money. They sent me a late fee of {$71.00}. I went into the Chase branch on XX/XX/XXXX to complain about the lack of service. Chase bank started an investigation ( Case # XXXX ) It is now XX/XX/XXXX. Chase bank has failed to return my money even after I was told by a woman named XXXX who is in charge of my case that the money would be delivered within 2-5 business days. That was on nearly 2 weeks ago. I called again today and she was out to lunch at XXXX. 
It is very close to Christmas and I am now suffering financial hardship because of this Banks blatant disregard and willful negligence to recover my money. They have had this money {$2200.00} for nearly 2 months now without any recourse on my part to be able to pay my mortgage and take control of my finances. To add insult to injury, they have charged me overdraft fees due to insufficient funds into my account. 
I am a veteran and fought for this country. We, the XXXX people bailed this bank out with our own tax dollars and this Bank has treated me and others with financial impunity. Shame on this bank and it 's greed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 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: Problem with personal statement of dispute

Complaint: I 'm XX/XX/XXXX I filed a dispute with XXXX, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.

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 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: citi bank offered me for a citi XXXX XXXX XXXX XXXX card in the month of XXXX XXXX with the following offer. 
I can purchase a phone of up to XXXX $ from XXXX store and they will refund that amount in full as long as following criteria is met 1- I spend XXXX $ in the first 3 months 2- I keep the XXXX phone in-service for at least 15 days. 
I got card and tried to use the link provided on their website to purchase the phone. The offer specifically mentioned that if the purchase is of more than {$650.00}, the company will just refund {$650.00} and not the actual amount of the phone. as I could not use the link provided, so I contacted their chat support and the representative mentioned that if the link is not working, then I should purchase the phone in store and Fax the receipt to them on fax number : XXXX. I sent the FAX to them on XXXX XXXX XXXX. I contacted their chat support after 2 days and they mentioned that the receipt of fax takes time. I waited patiently and contacted them in on XXXX XXXX XXXX when they mentioned, that they have received the fax but XXXX $ credit will take XXXX billing cycle to be credited to the account. 
I contacted them before the XXXX billing cycle which was on XXXX XXXX XXXX and they said it may take upto XXXX billing cycles. now the XXXX billing cycle is completed on XXXX XXXX XXXX and there is n't any credit back for {$650.00} to my account. 
I contacted them again today and they are saying they missed the fax as it was sent on incorrect number. and they want me to send it once again to a different number. So for the past 4 months I am just trying to settle this {$650.00}

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 08/26/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I recently purchased a new car and am having issues with my lender, Wells Fargo Dealer Services. I received a collection call after receiving no information about my loan - including account number and any identifying information for websites. After complaining that I had no information and just wanted to be enrolled in Auto-Pay they took my bank information and I made a payment. I then logged into the website to sign up for Auto-Pay. I made 3 attempts to enroll online and I believed that the last attempt succeeded. The next month I got a call saying my bill had not been paid and being treated as thought I was a criminal - I never pay bills late, so this was very frustrating to me. I paid via phone again and they had no explanation for why my auto-payment had not been taken. They have my information so I asked that they just enroll me in it. They said they ca n't do it over the phone ... even though they store my information and have all the same information on file that they would need to enroll me. I logged in again during the month and tried to re-sign up or confirm my signup. It gave me an error message. Today I received the same call. For the first time the rep informed me that it takes a full billing cycle to work, which no one had told me, and also that somehow it was n't showing that I was enrolled. I made my payment and scheduled a payment for the next month, then I asked if he could enroll me in auto-pay. He said he could n't, but I could log in online and enroll or enroll by mail. I logged back into the website and got another error message after filling out all the forms. ( Keep in mind that every time you want to enroll it requires logging into both your loan account and your bank account to get account and routing information that Well Fargo is already storing ) This time I called and was told that because my account was past due ( I already authorized a payment today ) their policy was to prevent my account from enrolling in online banking until the payment processed. I can do other things online, just not fix my problem. The policy is clearly set up to keep consumers behind on payments. There is no logical reason why, after logging into their site on many separate occasions, I have not yet been able to successfully pay my bills automatically. And there is no logical reason why the ability to enroll in auto-pay should be limited because of an issue enrolling in auto-pay! It 's absolutely a system meant to create inconvenience and to prevent you from solving the problem when you are actively dealing with it. Please require that they change this policy that is damaging to their customers. I just want to pay my bills easily, and if there is a problem - fix it promptly. That should not be too much to ask.

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 12/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: XXXX time is stressful especially on a fixed income. I answered an advertisement to become XXXX, along with many other ad 's at that time. However, when I arrived home, I had a Priority mail parcel. it and there were instructions on how to evaluate a few stores, XXXX or XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the instructions, and correspondence. 

Anyway, there was a Cashier 's Check included with the instructions, so the next day I took it to my bank, because it needed to clear. Meanwhile XXXX XXXX, sign up supervisor had emailed me asking if I had completed my first assignment. I explained I read through the instructions and deposited the Cashier Check into my bank and was told they could n't cash it and needed to hold it until the funds cleared. I felt confident and waited. The check cleared and the funds became available, so I proceeded to carry out the assignment. 

About two days afterwards I received a notice, on my phone that my account was in a deficit and I received a letter showing the Cashier 's Check Fictitious. I alerted the bank and took documents to show what happened to the branch XXXX and called and revisited the branch on broward and XXXX. The branch manager was very nice, unlike the first manager who just dismissed me and did n't want to listen. Still I had no luck because I stayed int he bank for at least an hour on their phone waiting for the Fraud department to assist. I was disconnected and called XXXX XXXX XXXX and left a message to make some type of payment arrangement to avoid not being able to pay my rent. She was indifferent. The bank basically gave me the run around and kept referring me back to different departments. 

I closing, I feel Chase Bank, had some responsibility for holding the check and not seeing this check was fraudulent, because it is their business. I trusted that if they had to hold the Cashiers Check, that it was standard procedure. I 've never had a problem before. I was told some arrangement could be made by the managers and the fraud department, but no one has assisted me. The XXXX told me to lodge a complaint here and I also submitted a complaint to the FBI, Police and Scam guard. 

I feel as though they are somehow enabling such unfortunate events and not even acknowledging this a XXXX crime. Meanwhile, I may end up on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDWEST AND ALL ACCOUNTS ASSOCIATED WITH YOUR COMPANY AND MY SOCIAL ARE FRADULENT To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWEST or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: APR or interest rate

Complaint: I am more than angry that an additional payment to my chase visa got arbitrarily split rather than where it was intended to go. I sat on the phone for 30 min XXXX with a rep who told me that in a very small window ( 3 days ) I could direct and make an extra payment to the highest balance. This did not happen. When I finally demanded to speak to a supervisor, XXXX XXXX, he had no idea why the amount was instead directed to two balances rather than the highest. He also had no idea how the amount of the split was calculated. He did n't know " what algorithm was used ''! Instead he kept saying that 's how Chase decides to do it. What kind of customer service is this?? Further, how is this transparent to the consumer?? How does Chase just decide what to do with my payments?!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, 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 monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with GSI  Recovery, LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Amount placed on collection is XXXX, XXXX dollars reported by XXXX on XXXX XXXX, XXXX, they knowingly reported a collection as delinquent which has adversely affected my credit, this is a workers comp case which is still pending and this should have never been placed in collections, this is a violation of the FCRA and this needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I revived a voice mail saying it is an attempt to collect a debt and she left her name XXXX. They called under XXXX number but left a different number to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 identity has been compromised or stolen. I filed a police report and notified Experian, XXXX and XXXX XXXX. I feel that they are not taking the matter very seriously at all.

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