milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency : Harris & Harris Ltd ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL ) keeps calling me, and sending collection mail to my home AND work. After repeatedly asking them not to call and send me these harassing ( and embarrassing ) letters they have refused to cease. 

The worst part, I have repeatedly informed them that I DO NOT have any debt or balance, and asked them to please contact XXXX to verify. I even got a XXXX representative on the phone and called them to confirm and was met with further hostility and told that it did not matter. " The only way to get this settled is to just pay us '' is what I was met with. 

XXXX has verified repeatedly that I have NO accounts or balances with them. 

Sending collection letters to someone 's work is a real low, especially when in attempt to collect a debt that is not even valid or owed. Harris & Harris Ltd Collection agency is the lowest of the low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have supplied the credit agencies several times the appropriate forms to delete XXXX XXXX XXXX from my credit report. I supplied the final disposition of the legal case which states the account should be deleted. Experian responded stating that the agency was unable to remove the account based on the legal disposition. Instead they placed Paid, Closed Charge Off

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 09-01-2016 about Debt collection (Payday loan) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I own this company I already talk about this but the keep calling my employee r and disclosing my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I started a review for a modification with Caliber on XXXX/XXXX/2015. I was still in review for the modification on XXXX/XXXX/2015 with all documents that had been requested submitted to them and nothing additional was needed. My authorized XXXX party was informed by an agent at Caliber named XXXX XXXX, that my file was declined with the reason of an upcoming sale date in less than 15 days! They did not allow for a complete review and just closed by review simply because they wanted to foreclosure. This is not a valid reason for denial of a modification review that started in XXXX! Not only that but the representative XXXX stated on a recorded line to my XXXX party that they have pulled that " the client can not do anything at this point besides reinstate the loan and no one can help them. '' Then when he was reminded that this was a recorded line he hung up. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 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: Information belongs to someone else

Complaint: Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XXXX they still haven't removed all of my hard inquires and I sent them all th information

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AL).
Issue: Managing the loan or lease

Complaint: Ally is a ripoff. My account was not showing for almost a year due to a total loss. when it did come back up it was wrong. Ally has token XXXX from me and this is only 36 months. I owe XXXX on a 72 month agreement.

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 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 11-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with NORTHERN TRUST COMPANY, THE (KY).
Issue: Fraud or scam

Complaint: My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was fraudulently accessed and personal data was changed. Once the data was changed, the fraudster than proceeded to make a {$60000.00} disbursement from the account ( basically draining the XXXX account ) and had the money wire transferred. The ACH transfer went through XXXX XXXX in XXXX, XXXX to a XXXX XXXX account in XXXX. The XXXX management firm, a company called XXXX XXXX [ Post Office Box XXXX XXXXXXXX XXXX XXXX ; phone XXXX ] WILL NOT provide me documentation of the chronology of the fraud related activity ( basically the details from the time the fraudster accessed my account to the time the money was moved ). XXXX XXXX will not provide any documentation, nor will they work with XXXX XXXX or XXXX XXXX to obtain the details of the fraud. The fraudster also used a XXXX XXXX : mail address, which they refuse to investigate. My expectation of XXXX XXXX is as follow : - Timeline of the account access ( screen shots from their systems showing when the attempted access started, how the fraudster got in etc ) - Timeline of how the personal data was changed and than the activity on how disbursement of the money occurred - Phone records of Alight employees who XXXX have interacted with the fraudster - XXXX XXXX has the Computer XXXX address of the fraudster and the XXXX : mail address ( it a XXXX address ) of who changed my personal data in the account This is just a small segment of the documented material I am entitled to. I want system screen shots and other documents from XXXX. I just do n't want a document just typed up detailing what happened. I have done more investigatory work than Alight ( or XXXX XXXX XXXX has done )

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 06/13/2016 about Credit card () with CITIBANK, N.A. (VT).
Issue: Credit determination

Complaint: CBNA did a hard pull for my credit on XX/XX/2016 and it affected my credit sscore

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 01/20/2018 about Debt collection (Other debt) with Creditech, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt dose not belong to me I disputed this debt I sent multiple letters to the companies to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard.

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

Complaint: My information was breached as a part of the Equifax hack. Equifax did not get in touch with me to let me know that my information had become public, and when I went to their website to determine if I had been a victim it simply said " ... we believe that your personal information may have been impacted ... '' It did not explicitly state that my information had been made public, nor did it provide me with instructions for how to protect myself. 

I have set up a fraud alert and will be monitoring all of my credit cards to make sure that my identity is not stolen. If I become a victim of identity theft I will set up a credit security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I purchased a {$700.00}  CD f rom  XXXX   XXXX    XXXX   XXXX   XXXX   in  XXXX , which was to automatically renew, and opened a safety deposit box. I got sick and did n't turn in the CD and now find out that the bank was taken over by several banks that eventually beca me Wells Fargo in   XXXX . I need to collect my CD and find the contents of my safety deposit box. My son is still alive, but my husband has passed away. I have the original CD and my keys.

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 04-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: On XXXX XX/XX/2018 I initiated a XXXX transfer for {$240.00} to XXXX XXXX Ref # XXXX. Her phone number was XXXX and email XXXX. She was to send me an XXXX XXXX XXXX that she was selling on the website XXXX. She told me she would save me {$20.00} if I bought direct from her which unfortunately I did go direct with her. I contacted my bank Wells Fargo as soon as I realized I got scammed as she refused to answer my calls, texts or emails. They gave me a claim number of XXXX and a Reference number XXXX and after waiting 10 days told me to continue to try and contact this person that there was nothing they could do for me and closed my claim. I find it hard to believe that there is no way for the bank to track this person down. And harder to believe that the bank offers such a service of money transfer and does not offer me the consumer any protection 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 explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is with Portfolio Recovery Associates. My credit reports show varying information on the date of first delinquency, all of which are incorrect. Their reporting timeframe has passed. The original creditor ( XXXX XXXX ) removed the tradeline XX/XX/2016. PRA also updated the tradeline when I disputed the item and it now states that I have a past due amount. This is false reporting as collection agencies are not allowed to report an account as " past due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Report provided to employer without your written authorization

Complaint: Equifax did not take the necessary steps to prevent a security breach which put the information of over 140 million individuals, including myself, at potential risk of identity theft. In addition to this, they waited nearly a month after the breach was detected to notify their customers, but provided timely enough updates to their shareholders that they could sell their stock and make a profit. Equifax should be required to monitor all the affected accounts and notify their customers if any fraud occurs. Credit fraud protection should be a mandatory they must now provide, not a burden for the victims to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is 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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Ref : Chase Credit Card No. : XXXX XXXX XXXX XXXX I was enticed by XXXX to get the XXXX Chase  Credit Card referenced above. I have been with Chase for around 30 years and they know where, when, and what I have purchased in the last year. They know about me more than I know about me. Several weeks ago suddenly and without warning or notification, these XXXX XXXX froze my account and would not provide any information as to why! I have contacted their XXXX customer service department several times by phone, by email, and by US mail trying to figure out why they are doing this to me. They routinely leave in my mail box on their supposedly secure service a message that they have received my complaint, has been forwarded to the appropriate department, and that I should receive a response in 48 hours. Needless to say, their XXXX  appropriate department never responds not in 48 hours.. Not ever.
When I gave up on hearing from them, I contacted you.. and you contacted them. It took them more than a month to respond to you that they did what they did because they are discriminating against me because of my national origin! Apparently, they found out that I was born in XXXX ( although I lived most of my life, was educated, and employed here in the US ) and they used that information to discriminate against me. I am contacting you to ask for two things.
( 1 ) I hope you will not act as a messenger service, and you will investigate these characters for discriminating against me for no reason whatsoever. I realize that JP Morgan Chase is a very influential powerhouse with a lot of powerful government and business connections, but that should not allow them to DISCRIMINATE. ( 2 ) These XXXX owe me {$17.00} in rewards I have earned and should be able to use. These jerks are not allowing to use the rewards points I have earned and would not respond to my inquiries and request to be given the rewards I have earned. I have been the best customer they any credit card company dreams of having ( high amount user, never been late in making payment, etc. ) and since they are so XXXX to treat me this way, I no longer want to work with these characters. Since they have been ignoring my messages, I asking them ( through you ) to close this XXXX account, but I demand that they pay me the rewards I have earned. You might also let them know that they are not the only credit card company in the country, and all the other credit card companies will be happy to take away their best ( but abused customers. ) I have high standards for myself and for the people I work with me, and Chase are way beyond the standards I expect from a credit card company. Thank you for your kind attention. Thank you for your kind attention

Company response to consumer: Closed with explanation