milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: collection/ charge off from the state of XXXX XXXX account went delinquent in XX/XX/XXXX with the state of XXXX. made payment arrangements but never regained current. XX/XX/XXXX account transfered to state of XXXX and refuse to remove and correct the origional delinquency date of XX/XX/XXXX and origional creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called the customer service for the Chase Sapphire Reserve card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that Chase reported a complaint.  The Credit specialist at Chase is not giving me much information or having this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Credit card () with WELLS FARGO & COMPANY ().
Issue: Identity theft / Fraud / Embezzlement

Complaint: I just learned of the Wells Fargo fraud of credit cards when I heard Senator XXXX speak and read comments on XXXX XXXX XXXX. In XX/XX/XXXX I went to the Wells Fargo XXXX Nevada branch to report a Wells Fargo Credit Card on my XXXX credit reports ( XXXX, XXXX, and XXXX ) in the amount {$7700.00}. The Wells Fargo employee said " you will have to handle this yourself. It happened to me too. '' I said " are you telling me Wells Fargo Bank does not care that someone is using their name to issue credit cards and stealing money ruining people 's credit rating? '' " No. '' I am furious over this and will do whatever it takes to get my experience with these thieving hacks legally registered. I have not had a credit card for years and years - since maybe XX/XX/XXXX. I did contact all XXXX agencies. I have not been in touch with any of them since b/c I have been working overseas.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying my student loan for years now and it has not changed in balance. This is the amount they asked me to pay. 
Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: For the past several years I have subscribed to Credit Monitoring for XXXX members provided directly by Experian or a direct Experian wholly owned entity. Recently the product underwent changes and the new product is far less useful that previous. I decided to cancel this service. However, Experian makes cancellation -- likely on purpose -- so difficult to accomplish that after several days they are still unable / unwilling to cancel this service upon my demand. I have attempted on multiple occasions to call the number they have given for cancellations and on each and every instance have encountered hold times exceeding XXXX hours. Ultimately I have never been able to reach a representative to cancel. My desire is to cancel this service effective immediately as of XXXX/XXXX/2015. There is no possible scenario under which I would be willing to keep this service. However, Experian refuses to allow me to cancel. 

I should point out that calling Experian from my current XXXX is NOT toll free. I have already wasted over XXXX hours of XXXX charges trying to cancel. I am NOT willing to call again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: In XXXX I made a purchase at home depot on my Home depot credit card issued by Citibank. 
I never received a statement for paymen2. IN XXXX I received an email saying my account was past due with a charge of {$60.00}. I knew I had not made a purchase of {$60.00} so I pulled up my account online. It only stated a past due amount of {$60.00} was due. After several days of trying to find what the charge was for, I found the original charge of {$26.00}. By then I had received another email past due notice of {$90.00}. I tried calling citibank but only got an automated system. Finialy I received a call from Citibank. I told them that I wanted to dispute the charge and was given an address to sent request too. By this time I had received an email past due of {$100.00}. Have not heard from my written request.

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 09-06-2017 about Debt collection (I do not know) with The CBE Group, Inc. (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Persons from the CBE Group, based in XXXX, NC, keep calling me about an alleged debt of {$670.00} owed to the USPS for unknown reasons. When I spoke with a representative - who refused to personally identify themselves - and they told me why they were calling me, asking how I would take care of this matter, I asked what the alleged debt was about. They refused to tell me. I told the representative not to call me again and that I do not want them to contact me. This has gone one at least five more times. I refuse to answer subsequent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. Thank you.

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 02-05-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XX/XX/XXXX Requested a new relationship manager at Wells Fargo. XXXX XXXX and his boss XXXX XXXX have repeatedly blocked XXXX 's XXXX attempts to switch over.

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 08/30/2017 about Checking or savings account (Checking account) with Comerica (WI).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My attorneys helped me prepare this complaint. 

I am an elderly woman who uses Direct Express for my Social Security direct deposits and have a debit card with them. I wanted to dispute certain transactions that I believed were fraudulent due to someone stealing my debit card. I hired attorneys to assist me with disputing fraudulent charges made on my card. Direct Express refused to talk to my attorney and myself at the same time, while we were both on conference call. Direct Express also refused to talk to me when I placed the call on speaker phone, because my attorney was present in the room. Direct Express forced me to dispute the transactions by myself. I was finally able to do so, but it was a difficult process. During the call in which I successfully disputed the transactions, my attorney was present in the room, communicating with me about what to say to the Direct Express representative, what to ask for, etc., by writing the questions down on notebook paper and holding them up to me. 

My attorneys have told me that they frequently run into this problem with Direct Express on behalf of elderly clients. Forcing elderly individuals to communicate about financial matters and make important financial decisions, without any legal representation, is an unconscionable practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with Security Credit Services, LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine. XXXX is a fraudulent company that does NOT abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Re : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XXXX XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove  the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XXXX/XXXX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, 2016, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You may only contact me via email at XXXX. Regards, 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 non-monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (AZ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Wells Fargo : dispute for identity theft services I never signed up for. This dispute was settled in XX/XX/XXXX for  {$1200.00}. Case number XXXX. Have been told twice " the check is in the mail. '' I never received a check. 

Now I am being told that an outside vendor cuts the check and an email is in to them. I have no confidence in this process. 

I want my {$1200.00}. I'm being told that the party cutting the check is an outside party and Wells Fargo needs to rely upon the outside party to cut the check. I spoke to XXXX today, XX/XX/XXXX approx XXXX Arizona time, direct number XXXX. She is on the dispute resolution team. She said she would escalate this, but again, this is after my being told twice the check was cut and never receiving. Made sure address is correct.

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 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: approximatley 3 yrs. ago my mortgage loan with Indymac was sold or transferred to ocwen debt collection-loan servicing company. it has been a consistant battle with them since then, regarding payments i send on time and then they will hold the payment till it 's considered late so they can collect late fees, then indicate they will foreclose on my home. i have documentation of the paper work they send re : this. i have documented all the phone calls of when, person 's name and id # & time of calls. i ask if it will be recorded. they say it is. i had to miss a payment in XXXX 2015. i called XXXX, told them it was just for XXXX, explained why, asked if it was ok and if there would be any penalties or issues of foreclosure. cust. service said a XXXX time XXXX month payment would not have any effect and my account was in good standing, and that it would be fine. so, i did not make XXXX payment. i made XXXX and XXXX 2015 payments on time and have been harrased by collections dept. @ ocwen, recieved paper work from them giving me options to short sell, give deed in lieu of and foreclosure. i call them about this and am told to disregard it because it is automatically sent by their system. then i am sent more paper work re : foreclosure issues. and they applied XXXX payment to XXXX and then they applied XXXX to XXXX. more foreclosure paper sent to me. i sent the funds required to them on XXXX XXXX and then XXXX XXXX 2015 to be caught up and they withheld paymenys till they were considered late again. this is my complaint.. i am very concerned they are sabotaging all the payments i send so they can foreclose on my house. indymac did this as well just before they gave my loan w/them to ocwen. i had to hire attourney 's to stop foreclosure then. please instruct me on how to get ocwen from doing what they are doing. Thank-you. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a unauthorized access to my Credit report by XXXX company. They are a unlicensed Credit reporting agency. I have previously requested proof of claim that was never provided. Request was made back in XX/XX/2016

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 07/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I did not receive at least 15 days notice on the transferring of my mortgage servicing rights. Citizens is transferring my loan services effective XXXX XXXX, 2016. The letter dated XXXX XXXX, 2016 was not postmarked until XXXX XXXX, 2016 in XXXX VA, I live in XXXX, MA, I revived the transfer notice when it on XXXX XXXX, 2016. This is not adequate time. Citizens knows this is a mortgage loan under the Section-8 Homeownership program, adequate notice must be received in order for the public housing authority and myself to respond and prepare for the mortgage transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX XXXX XXXX, the representative at Wells Fargo in XXXX XXXX treated my mother and I in a very unprofessional manner. My parents tried to get me access to their safety deposit box in order to run errands for them, but I was denied access to the safe area due to my age ( XXXX ). The other managers at this specific branch allow me to accompany my parents into the private room next to the locker. Today this woman made a big deal about me going into the private room that was right next to the locker. There is another room further away from the vault containing safe deposit box, and my mother asked if we could go in there if the woman does not want me near the other safety deposit boxes. The woman denied us from taking our box from that certain area. She later told us there is a printable form that needs to be filled out in order for me to even accompany her into the corner room. Then when my mom requested for this form, another teller told her that a written consent would work too. The problem was not with the form, but instead it was with her attitude towards us when I tried to go into the private room near the safety deposit boxes. She humiliated us in front of other employees and customers. Me helping my parents put items into the safety deposit box once it is in a room had never been a problem before until now. We had a couple more transactions to do, but we left the branch in haste due to her attitude towards us. She made it an unwelcoming and hostile environment.

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 02-06-2017 about Debt collection (I do not know) with D2 Management LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: D2 Management Called today to inform me of a debt that I owed to a company that I know I had previously paid off. I became suspicious of the call when I was getting terrible customer service and she almost hung up on me when I stated calmly and politely that I needed her to send me information regarding the alleged debt, so that I could seek legal counsel on the legitimacy. At that point she said the only thing that could be sent to me was an agreement for payment plan. After that, I was told that since I wanted to talk to legal counsel, she would enter me as a REFUSAL and report me to the IRS.

Company response to consumer: Closed
Consumer complaint received 06/29/2016 about Debt collection (Medical) with Central Service Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any invoice just harassment phone calls.

Company response to consumer: Closed with explanation