milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please find the above collection agency by submitting a false sale from XXXX. 

1 ) They allege that they purchased the debt from XXXX # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from XXXX # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information id theft gov po report to houston hd

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with SUISSE BANCORP (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I just received a summons to appear in court by Suisse Bancorp, they taking me to court on a loan XXXX XXXX, and XXXX XXXX, total is XXXX. Now i get a summons that i owe XXXX, I thought my lawyer use the money on my second accident to pay them, i did n't receive no letter from Suisse Bancorp until yesterday on summons.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I challeged my phone debt when I checked my credit online. Which is a good and bad idea. As soon as you do this the companies that you are in debt with call you non stop. I only have two both phone companies. One I do owe on and the other is in question and I have repeated this to them before. Did a promo switch to XXXX. XXXX did and has not paid or honored agreement. My fianc is in the same situation but I believe different company. Frequent calls. What I mean is every day so far or every 3 days calls and they do n't seem to take notes because I tell them the same thing. Mail me a settlement letter so I can give to XXXX to pay. They have yet to do so for the past 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After debt was paid and satisfied through Transworld they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( XXXX ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Settlement process and costs

Complaint: This is my third complaint filed against Citizens Bank ( Charter One ) due to their ignoring me and the only way I can get a response from them. 
I received a letter on XXXX XXXX, XXXX from Citizens One answering Case # XXXX in response to the fact that the bank was taking my whole mortgage payment and not applying anything to principle. This has since been straightened out in a letter from XXXX XXXX XXXX, Office of the Chairman. Again after many phone calls for months. and trips to the bank with no answers, including filings " Notice of Error '' I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX to tell him that my attorney had filed a " Notice of Error '' on XXXX XXXX, XXXX which was never acknowledged stating the terms of my loan modification agreement and also the fact that I had still not received the {$380.00} reimbursement to me for the attorney fee charged my association and therefore charged to me due to the foreclosure that was wrongfully executed per XXXX XXXX XXXX. I had been promised by XXXX XXXX of the " Office of the Chairman '' that this bill would be covered. There were several statements that were told to me that kept getting changed when I asked the right questions. All of these papers from the " Notice Of Error '' were faxed to XXXX XXXX XXXX on XXXX/XXXX/XXXX with a note to please let me know if he got them. XXXX XXXX, XXXX call to find out if he got the fax and left my cell phone number. XXXX XXXX, XXXX called again to call me and let me know if he got the fax. 
XXXX XXXX, XXXX XXXX XXXX called to let me know he got the fax and turned it over to the law department. XXXX XXXX, XXXX, left message with both phone numbers to let me know if the check had gone out yet.. No response which is the game to wear you out. On XXXX XXXX, XXXX left message again with both phone numbers and told him it would be the last time I will call -- -- horrible treatment for a customer who has been with the bank for over 34 years paying off a previous mortgage of 30 years, paying diligently every month on a equity line of credit and this is what they call exceptional service. As XXXX XXXX stated in is letter to me, that they are consistently exploring ways to improve our customers experience, then start here. My experience has been disastrous, horrible and life threatening. 
I ask that you send a check in the name of my association for the {$380.00} owed to them in my name immediately. The name and address are in the papers that were faxed to XXXX XXXX. 
My 30 year mortgage @ 5 % because of your foreclosure makes you the winner but in my eyes you are a pitiful bank where " XXXX your neighbor, it will make money '' is your mantra ... 
I was told by one of your employees " if this had passed his desk, it would not have happened '' ... ... how sad that I 've been a victim of getting the wrong desk and the wrong person .... 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the XXXX will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the XXXX people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016, I asked how I can keep my home, they said I had to pay around XXXX and also I had to have a proof that I had that amount, so I did it. On XXXX XXXX, 2016 I received a letter from the bank dated on XXXX XXXX, 2016 to pay XXXX and the due day on XXXX XXXX, 2016 letter, and the post office envelope shows it was sent on XXXX XXXX 2016, so when I called, they said this is past due, we have to send you another XXXX, and it will be more than XXXX. I asked them to postpone the sale date to gather the money, and they refused. It shows the Bank wants to go ahead with the foreclosure because it is more profitable for them.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the XXXX XXXX, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX-XXXX with a XXXX-XXXX of {$970.00}, since they were the ones who provided me with a copy of my XXXX-XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my XXXX and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX XXXX means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX XXXX of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX XXXX XXXX of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: 1. Due to inept reporting by XXXX in XXXX, I have already used my free report access so I have to pay to see potential impact from Equifax 's bungle. 
2. All companies indicate a delay due to volume in freezing the my info. and inform me there will be a delay in lifting the freeze, effectively putting me at the back of the line for any transaction that requires access to my credit, such as renting an apartment. In short, they do n't have the capacity to protect the information they collect.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, So in  XXXX  we applied with   XXXX   XXXX   XXXX   for  a Business   Cre dit Card we Authorized them to do a Hard Inquiry on   X/X/   17. Then realizing this product did not waive Foreign Transaction Fees we   reached out to them to possibly do a product change to a  Travel c ard which does waive these fees. They stated it would require another  Hard Inquiry w hich reluctantly we agreed to on    XX/XX/XXXX /17 .  Other than these  2 oc casions I did not make any other authorizations do to a  Hard Inquiry on  my credit report either on       XX/XX/XXXX /17 or  XX/XX/XXXX /17.  Today I just got a notification from  XXXX  that there was new activity so I logged in and saw a new Inquiry I have n't called    XXXX   XXXX   XXXX    or spoken to any of their representatives at all today or even this week. Then I went on Transunion 's site to dispute it and noticed another pull from   XXXX   from   XXXX   XXXX   XXXX  . This is crazy,  XXXX  inquires in not even 4 months from them. I tried to dispute it with Transunion because I did not authorize them for a  Hard Inquiry, o r even a soft  Inquiry for  that matter, but they would n't let me. I contacted  XXXX  they told me to file a CFPB complaint against Transunion so that 's what I 'm doing.

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 11/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: What has happened over the last few years is when I request a copy of my free annual report from transunion they tell me the information they have on file for me does n't match what I have just given them. Then they request copies of sensitive information from me via mail. Not gon na do that. The letter I received from transunion for this year 's request says the address does n't match what they have on file so I need to send them proof of address. Please note i have lived at current address for over XXXX years. Is it legal for them to ask for proof address. In the letter it says i can go on line and request to view it there. So I logged on to there website and tried to view it by answering XXXX questions. My answers did n't match. So I was given a file number. Same number that was in the letter. And a phone number to call. This leads to the second problem, the first name on the letter is XXXX my first name is XXXX. I answered the XXXX question security thing for XXXX of the other credit reporting agencies and I recognized the answers right away. Not the ones from transition. So I have some serious concerns about what 's on my credit report from them. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: In  XXXX  of   XXXX  , Hunting Bank repeatedly presented me, upon log-in to their website to check the status of my checking and savings accounts with them, with an advertisement offering a {$100.00} bonus added into an existing savings account upon the deposit of {$5000.00} or more in new funds into the account. I have a screenshot of the offer. I am/was abroad, and thus not able to comply with the stipulation to " visit a local branch '', but I called an spoke to a customer service representative ( call initiated at    XXXX   XXXX     XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   ) who assured me that this would not be a problem. The funds were directly deposited into my Huntington checking account by my employer on the  XXXX  of  XXXX   XXXX  prior to the deadline of  XXXX   XXXX  stipulated in the offer ) and I promptly transferred {$7700.00} into my existing Huntington  XXXX   XXXX  Account. In speaking with the customer service representative - identified as  XXXX  - he assured me that this would be acceptable and would not render me ineligible for the offer. When I pressed him for some proof of this assurance, he informed me that the call was being recorded.     The offer stipulated that the deposit of the {$100.00} into my savings account was to take place within 14 days. I called Huntington Bank regarding the non-payment of the money on  XXXX   XXXX ,   XXXX  , and was told because the money had been deposited first to my checking and then transferred to my savings ( within a matter of hours  XXXX , I was not eligible to receive the bonus. In a world of digital banking, this is an absurdity of hair-splitting - the end result to the bank is precisely and exactly the same. The fact that  Huntington  Bank 's customer service representative had assured me that this would not be an issue, inducing me to transfer the money to my savings account in the belief that I would receive the offered bonus, further leads me to feel that I have not been dealt with in good faith and have in fact been deceived. The bank has received over {$5000.00} of money into my savings account not formerly deposited with Huntington Bank, in timely fashion ; I have not received my bonus. I would warn consumers against having any dealings whatsoever with Huntington Bank, as their dishonesty in this matter strikes me as blatant, inexcusable, and petty ; I 've been given the run-around over the merest of technicalities -  XXXX  of no practical importance to the bank whatsoever - in order to save them {$100.00}, after repeated assurances on the part of an employee of theirs that I qualified, would receive the bonus, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me upwards of 3 times in 10 minutes all day long. I 've repeatedly answered these calls and asked that they stop calling and that I am protected from this type of harassment by federal guidelines - at which point they hang up. I 've also asked that they mail me information regarding the debt - I have not received anything since the request I put in 9 weeks ago.All of their repeated calls are done via an auto-dialer. If you do answer XXXX of these calls they typically drop the call if an agent is not free, and then will call you again 3 minutes later. It 's become completely harassing in nature. I am more than willing to talk to someone about paying off whatever it might be that I owe, but I will not respond to a company that uses these types of tactics to recover debt ( which I am fairly certain is less than {$1000.00} ). I 've asked to speak with a supervisor and I 've ever been hung up on OR placed into a voicemail for someone named XXXX XXXX and not transferred to a live person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: I was 3 months behi nd on my Wells Fargo h ome mortgage because me tenant was late on rent. My tenant became current on the  XXXX . Normally i pay  online thru Wells Fargo 's website from my Wells Fargo checking account but my access was denied with Wells Fargo stating they were trying to help me avoid foreclosure. i called Wells Fargo  mortgage on  XXXX   XXXX  to ma ke 4 payments and asked the late fees to be paid next month. I was at the pool with my kids and the Wells Fargo rep asked for my routing number and acct number which i did not know. I asked for online access I could make my mortgage current and was told to call back when I have my checking info. I gathered this information and called Wells Fargo three times t oday. The first time at  XXXX   XXXX  I provided my info but was disconnected when i was transferred to the mortgage dept. I called back at  XXXX , gave my info and was connected to the mortgage dept but the rep had computer issues and could n't access the payment portal so she asked to transfer me. Again i asked for online access so I would n't waste more of my time but when i was denied i asked not to be disconnected when I was being transferred. Sure enough i was disconnected. I called back at  XXXX  and provided my info. The customer service rep tried to walk me through an online payme nt which failed so she transferred me to the mortgage dept. I am going through a prolonged divorce so being fed up Wells Fargo I decided to pay other bills and only pay 2 monthly payments to Wells Fargo. Wells Fargo said  they would not accept a payment for half the amount owed and would only accept payment in full. How is this trying to help me avoid foreclosure? I only owe $  XXXX  on my mortgage. My hous e (   XXXX   XXXX   XXXX   XXXX ,  XXXX , WA  XXXX  ) is in a high demand area and will sell i n one da y for $  XXXX . This is unfair practices which seem deliberate to aggravate the consumer to make poor decisions. I am available to speak at any time. Thank you,  XXXX   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