milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collector is attempting to collect XXXX dollars in association with the City and County of XXXX XXXX XXXX. The letter offers the reason being my failure to file a " Declaration of Closed Business '' form. This debt letter was issued to me on XXXX XXXX, 2016, ten years after having XXXX and XXXX years after having operated XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX. A declaration of closed business form was not filed for either business as I was unaware that it was a mandatory action. An email communication was submitted to XXXX on XXXX XXXX, 2016 asking about the claim a response was provided. ( reference number XXXX ) Upon speaking with a representative for Linebarger Goggan Blair and Sampson, LLP and after having submitted a request for validity of this claim in writing to their firm on XXXX XXXX, 2016 with no reply it was announced that the request was 1 ) not yet received and 2 ) the request was forwarded to the city and county of XXXX XXXX. Today contact was made to XXXX via cell phone, ( reference number XXXX ) asking about this claim and needing to know how to obtain the business account number in question so to complete the Declaration of Closed Business Form for submittal to the city and county of XXXX XXXX. The woman speaking exclaimed that she did not have the information of the business in question and so I provided her with the information mentioned at the start of this letter regarding my business involvement in XXXX XXXX from XXXX. It would be good to know how to obtain the information for form completion and weather or not this is a valid claim. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (MI).
Issue: Managing the loan or lease

Complaint: I am co-buyer on a vehicle for my niece which does n't communicate with me anymore. I feel threaten by Ford Credit to jeopardized my credit due to my niece not paying. I have spoken to several different service reps at ford credit. I asked if they could contact my niece to find out if shes going to pay. I also asked if they could locate vehicle because I believe she has no intentions of paying.If I have to pay than I need vehicle in my possession. How do I handle this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing statement

Complaint: Barclaycard credit card company allowed a fraudulent charge to remain on my credit card account. I never received anything from the merchant XXXX Please refund my {$1000.00} on XXXX/XXXX/15 I 'm requesting resolution from Barclaycard 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 12-04-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: RE : Bank of America HELOC account number XXXX Bank of America has de-listed my HELOC account from my login into their website to make payments. They also quit sending me statements. I have spoke to them and they requested assistance and complied with sending them the information pertaining to paystubs, bank statements, etc. which I have provided to them. I have proff from USPS tracking they received them. However, they will not contact me to let me konw the status since I am unable to view the account online or see any statements via USPS mail since they discontinued that. I would like to know the status of my HELOC and what I can do to get it restored, however they are not compliying. Due to my long work hours XXXX - XXXX Monday through Friday, I am unable to receive or make phone calls during those hours. Therefore I 've requested they send me updates via USPS mail or email and they have not. They request that I call them, which is impossible due to my work.

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 01/19/2018 about Debt collection (Credit card debt) with Worldwide Processing Group, LLC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX called a family member attempting to contact me regarding a a supposed debt which has been settled well over 10 years ago. This company scared my mother in law who happens to live close to me who frantically brought me the contact information. She is old and had no idea what was going on. 
I have not received a notice whatsoever regarding this company nor any correspondence whatsoever only this phone call. I told them not to call my family again. They claim to represent XXXX. 
I also filed a lawsuit against this company they claim to represent for making several violations according to the CFPB. XXXX XXXX XXXX has a BBB rating of F and has so many complaints against them currently its scary. 
I have zero information other than a phone number of XXXX and a person named XXXX. 
Long gone are the days of scare tactics, threats, and insinuations to others to scare information from someone to collect a debt. This company is in violation of every debt collection practice law its unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my Equifax report are unauthorized credit inquiries in which I called the companies who reported them majority of them besides  XXXX  which did remove it said they ca n't not because I do n't have an account with them and that it 's no way for me them to find me. So I called Equifax since they are the ones who told me to call the companies, I told them what the companies stated. Even though I am telling Equifax that I did n't authorize the following Credit Inquires they keep telling me that they are factual even after I placed a fraud alert on my credit. How can you say something is factual when I am the person who credit report they are on and I 'm telling you that they are not I did everything you told me to do the fraud alert contact the companies who made them and still you will not remove them.     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 response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Debt collection (Medical) with Credit & Collection Recovery Services, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received letters from credit & collection recovery services I have asked for verification of a debt but they can only provide me a bill. I never agreed to the charges and have requested proof that I agreed to them which they have not provided. Is there anything i can do or can some one send me a bill and put me into collections without proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (LA).
Issue: Can't stop withdrawals from your bank account

Complaint: I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Concerning my note/ mortgage loan with Wells Fargo Home Mortgage , Upon careful examination of my loan documents I 've found many and various violations of the documents and regulations relating to the loan, and loan application as well as the commission of appraisal fraud. I would appreciate your help in this matter.

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 10-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to pull my credit report from Equifax. In the past when this occurred, there were too many soft pulls, so the solution was to remove those so I could pull my report again. After a number of phone calls and emails, Equifax refuses to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (HI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: See complaints XXXX and XXXX. Company 's response did not resolve my issue - Navy Federal refuses to credit my account for the stolen debit card 's unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016 I made a payment by wire Transfer to XXXX XXXX for XXXX XXXX XXXX listed as New. After not receiving any email confirmation and seeing some posting online, I contacted my bank ( bank of America ) to cancel the wire transfer, case XXXX, my bank then contacted XXXX bank who refused to cancel the wire, just and after only contacting the seller. So the transaction proceeded and to my surprise I received two used switches packed in the same box. I called immediately and after heated exchange, got the authorization to return the items, which I did the same day by XXXX. The seller then used many delay tactics to delay processing my refund. even though I did not received what i ordered, at some point I was even open to being charge restocking fee. It is now more 3 months after the initial transaction and the seller is yet to give me any refund. I believe at this point I am entitle to a full refund, and hope you can help get this issue resolve. I will join to this complaint all necessary documentation including email exchanges. I have contact the XXXX and XXXX you were unable to get a response from the seller XXXX XXXX ( XXXX ). I feel at this point even his bank XXXX if someone allowing the company to defraud customers by not responding to their complaint in a fairly fashion. And since I have contact the bank and not able to get the seller to corporate, that his Bank XXXX should be held also responsible for the transaction.

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 01/27/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Disputed the account being in collections due to it being fraudulent. Contacted XXXX XXXX and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with CARD Corporation (NV).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: THERE ARE  XXXX  TRANSACTIONS  XXXX  WAS A RESERVATION THAT I MADE WITH  XXXX  THAT I GOT CHARGED TWICE, I GOT CHARGED WHEN I MADE THE RESERVATION THROUGH MY COMPANY CREDIT CARD AND THEN I GOT CHARGED AGAIN WITH THE PREPAID CARD WHICH WAS ONLY SUPPOSED TO BE USED FOR INCIDENTALS AND THE FULL AMOUNT WAS SUPPOSED TO BE REFUNDED AND  XXXX  CLAIMS THAT THE ONLY CARD I HAD ON FILE WITH  XXXX  IS THE PREPAID CARD ALTHOUGH I HAVE PROVIDED THEM WITH THE RECEIPT OF THE CHARGED MADE TO MY BUSINESS CARD AT TIME OF RESERVATION.     THE SECOND WAS FOR WHEN I FILED MY CARD AS LOST/STOLEN IT WAS USED AT   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   AND ALTHOUGH I PROVIDED THEM WITH A POLICE REPORT AND THE TRANSACTION WAS STILL PENDING WHEN I REALIZED THAT MY CARD WAS MISSING THEY ALLOWED THE CHARGE TO GO THROUGH SINCE I FILED IT THE MORNING AFTER IT WAS USED AND SINCE THE CASINO PROVIDED THEM WITH THE FOLIO WITH MY INFORMATION WHICH OF COURSE THEY WILL HAVE IT SINCE I HAVE A PLAYERS CARD WITH THEM BUT THEY DID N'T CARE TO MATCH MY INFORMATION WITH THE INFORMATION THEY HAVE ON FILE SINCE IT IS COMPLETELY DIFFERENT, I HAVE IT DIFFERENT FOR THAT PURPOSE  XXXX  HAS MY UPDATED INFORMATION WHILE THE CASINOS DO NOT AND THEY WOULD HAVE UPDATED MY INFORMATION IF MY CURRENT DRIVER 'S LICENSE WAS USED. BUT NOW  XXXX   DOESN ' S SEEM TO CARE OR WANT TO RESPOND TO MY DISPUTE, I HAVE PROVIDED THEM WITH NOT ONLY POLICE REPORT BUT ALSO ALL COPIES OF RECEIPTS FOR THE TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 ; 60 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX, EXPERIAN, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit card protection / Debt protection

Complaint: Hi, This is XXXX XXXX. I hold my Bank of America credit card since XX/XX/XXXX. From the beginning to till XXXX XXXX, Bank of America reported wrongly my credit information to other person 's SSN. Due to this my credit score is heavily affected and I am in big loss.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have spent an enormous amount of money and time writing, Certified Mail cost and hours on hold to all three credit reporting agencies trying to clean up credit reports. Two of the hard inquiry complaints once were removed only to re-appear. 

While XXXX is the worse company to deal with, my experience with Transunion has generally favorable. XXXX has been very helpful. 
I have recently had a had experience trying to get unauthorized hard inquiries removed.

The following two hard inquiries were once removed and we're unauthorized. I never applied or signed a credit application. Unless Transunion has a signed application for these two and the others then they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX / Inquiry Date : 1XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) XXXX XXXX  / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) It is not right to punish a person for unauthorized hard inquiries. 

XXXX XXXX 3XX/XX/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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX XXXX XXXX that was a signature loan that went into default because I missed 2 payments. I have brought the account current and I am making payments on the account. The account shows Collection/Chargeoff

Company response to consumer: Closed with explanation