milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (SC).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Back in 2015 Bank of America allowed my account to get over drafted. It was too my knowledge that I had overdraft protection. I went to go to bank of america to deposit the funds they had closed my account without any notification. I paid what I owed to the account that week. So I owe nothing on the account. They added me to   XXXX   XXXX   and now I can not even get a second chance account. I have called several times talking to many of the bank associates and ended with them telling me different reasons why my account was closed. Because I had overdraft, I had a   XXXX   balance when it was closed and also because I did not comply with their standards. I got no straight forward answer. I then asked them to mail me the reason and the only thing they mailed me was the notification that my accounts were being closed and not the reason why they closed them. They responded with a back dated,  XXXX   XXXX , 2015 response with my accounts closure and it stated that I did not comply with their deposit agreement and disclosure. On my   XXXX   XXXX   report it said something different, it said that I was attempting to transact in a prohibited manner. I would like to know how I was doing that because I would never do anything like that. I still do not know the reason why they closed my account.
Now it is hard trying to get a good job with that on my record. I 'm trying to start my own business and need a business checking account and no one will do business with me because of what they did to my record. Can you please help me with this issue it would be greatly appreciated.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian wrong address Experian has a lot of the same address that are not mine. They no the right address and keep having all this false information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -what is XXXX and who does it belong to not me XXXX XXXX XXXX XXXX XXXX XXXX who does this belong to this is not my address some more made up information that does not belong to me. 

I 'm reporting to this to the FTC as well My address at the time was XXXX XXXX XXXX XXXX XXXX XXXX CA 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 11-03-2017 about Debt collection (Other debt) with DYNAMIC RECOVERY SERVICES, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX/XXXX/17 A female operator contacted me from Dynamic Recovery claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.

Company response to consumer: Untimely response
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MO).
Issue: Trouble during payment process

Complaint: My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX  2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX  '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX  '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 
2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? 

To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.

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 07-11-2017 about Mortgage (Other type of mortgage) with Selene Finance LP (CA).
Issue: Incorrect information on your report

Complaint: I, XXXX XXXX, ( XXXX ) XXXX, have a complaint on record with C.F.P.B., on Selene Finance, LP. THIS IS NOT A DUPLICATE. This SEPARATE COMPLAINT involves Selene Finance letter dated XXXX XXXX, 2017, addressed to C.F.P.B. the second page under " Enclosures '' fraudulently states the following : " Note '', " Deed of Trust '', " Notice of Assignment, Sale or Transfer of Servicing Rights ''. All of which DOES NOT EXISTS. <P/>Please create a separate complaint against Selene Finance & research specialist- XXXX XXXX . <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with EMPIRE MEDIATION SERVICES LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my son-in-law earlier today, and also my daughter later this afternoon and stated that if I did not call by XXXX a warrant would be issued XXXX. He knew the last XXXX digits of my social, and my birthdate, which he shared with those that he called. Stated he was a private investigator. Reverse phone look-up indicates Empire XXXX.

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

Complaint: On XX/XX/XXXX the credit reporting company Equifax suffered a data breach. This breach disclosed the personally identifiable information ( PII ) of over 149 million people, including names, social security numbers, home addresses, and Driver 's License numbers. Equifax did not reveal this breach had occurred until XX/XX/XXXX. Three Equifax executives, Chief Financial Officer and Corporate VP XXXX XXXX ; President of U.S. Information Solutions XXXX XXXX ; and President of Workforce Solutions XXXX XXXX, sold {$1.00} million in Equifax stock before announcing the data breach. Equifax has offered a year of " Free Credit Monitoring '' on their website, but accepting the monitoring commits one to binding arbitration and waives one 's right to participate in a class action lawsuit. 

On XX/XX/XXXX, through using Equifax 's website www.equifaxsecurity2017.com, I was notified that my data had been compromised. I have filed a police report. Equifax 's response to this  problem so far has been entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Account Services Collections, Inc (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We received a letter about collecting a debt from Account Services ( absurdly enough, that appears to be the actual name of the company ). The letter stated that it was regarding XXXX XXXX XXXX and the claim ID is : XXXX. None of this means anything to us as this is the first we 've heard of any of this. So my family member who is also an attorney offered to reach out and get the necessary information to find out what this is about. She called and the person in charge of the account refused to give her any information over the phone as I was not present so then she requested that they send me information about the claim in the mail, just as they did the collection letter. She did not request it to be sent to her or require them to give her any information as they refused, but merely requested that they send the information to me using the address they already have on file for me. The representative refused to acknowledge this request even though she repeated it multiple times so she asked why he was refusing to provide information to the person from whom he was trying to collect a debt and he ended the call by saying that collections would continue. But I will not pay a claim that I do n't know anything about and do n't even know if it 's a legitimate claim on me and he refused to send any information about it, even though he could easily do so since he obviously has my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian offered a credit report service and said that i could cancel within a few days if I did not like the service. My membership number is XXXX I did not like the service and want to cancel. It is very hard to cancel the service and the only way to cancel the service is to call them. There is not way to cancel membership online. 

I have been on the phone waiting for 1 to 2 hours without any response trying to cancel the service without any response from Experian. 

Please help me cancel my service asap

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 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee. 

After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino. 

I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''. 

I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX   had fees before XX/XX/XXXX. 
-Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees. 
-These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties. 
-A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary. 
-On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.

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 04/18/2017 about Debt collection (I do not know) with Strategic Alliances, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First Financial Mgmt is  attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: Currently I bank with BB & T. I have had multiple issues with this bank. First issue I will like to bring attention to will be their false advertising. BB & T promotes that they are XXXX hours ( XXXX banking ) which is not true because if you deposit cash at the ATM after XXXX then it processes the next day. I complained to them about this because I think its unfair, but they said " its online banking that XXXX hrs ''. If thats the case, then why put it on the signs of BB & T. Also they charged me over draft fees, I did XXXX transactions that over drafted my account and they took XXXX fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. 
My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. 
I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. 
Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. 
I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Credit card) with Locate Source America, LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XX/XX/XXXX and the last time I had made a payment was XX/XX/XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XX/XX/XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XX/XX/XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: yes ally bank was suppose too 2 weels ago send me forms in the mail for deffered car payment???? they are giving me therun around????? they were suppose too also fax theforms too??? plussend regular mail?????? very upset lied too????

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