milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I need to check my son and daughter 's credit reports to make sure there is n't any fraudulent activity. They 're XXXX years old and XXXX year old. We had received a letter from XXXX saying that their system was hacked ( a few months ago ) and that our personal data may have been compromised and I totally forgot about it until now. I just want to check their reports and make sure everything is okay. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (IN).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Chase on XXXX in XXXX Indiana has closed my Prepaid Card for me using, my Check Deposit on my Account : ACH:XXXXand on a Account The Federal Judge In XXXX did, Put in Affect so no one but me see it in my Account in my App in my Bank Account ACH Account:XXXX, Chase Representatives could not see Account????????? and Chase Bank closed, and stopped my check deposit for no REASON this was my money from my Littgation in XXXX Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted both XXXX, XXXX and Equifax about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted Equifax they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both Equifax, XXXX and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, XXXX and Equifax my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive a call at XXXX I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at XXXX est I receive another call from a rep at the same company name XXXX who id her rep number to be XXXX she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I was and I have proof she really COULD CARE LESS I ASK HER WHAT NUMBE IS SHE CALLING FROM SHE REFUSE TO GIVE ME HER DIRECT NUMBER HOWEVER TELLING ME THAT I CAN CALL THE NUMBER ON THE BACK OF MY CARD I TOLD HER I WANT HER DIRECT NUMBER WHICH SHE STILL GAVE ME THE NUMBE RON THE BACK IM AT WORK AND CANT CONTINUE TO TAKE CALLS AND IM SURE THIS IS NOT EVEN ILLEGAL FOR THEM TO CALL ME MULTIPLY TIMES AND ASLO FOR THEM TO KEEP CALLING A SPOUSE WHO DOES NOT EVEN OWE THE DEBTOR IS JUST CRAZY

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 07/28/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have already filed a complaint once before and they responded with a ridiculous excuse. They have done it again. I am being charged NSF 's for transactions that should have cleared ACCORDING TO WHAT I see on my end. When I log on to my account and see a balance available then i expect my transactions to clear as long as I am seeing there is enough to cover the debts. BUT they continue to hold back transactions and push through they ones they choose to. I can not believe this is not regulated by some sort of agency. Banks are continuing to fraudulently take peoples money and justify it by using some sort of authoritative source saying it is their policy but not really what they are doing! This has got to stop! I am not going to let this go. I want my NSF 's back. I know what is going on. I print my bank statement daily and they tell me the balance THEY see on their end with PENDING transactions is different than what i see and even though the transactions are pending - with the possibility to drop off or be reversed, they deduct that money " on their end '' and therefore any legit posting transactions are returned NSF during that time. I can not believe this bank is allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received the attached letter from Convergent Outsourcing Inc . I was shocked to learn that I owe {$210.00} to XXXX for an account I closed with no dues over XXXX years ago. I called XXXX to inquire about the claim of Convergent Outsourcing who were acting on their behalf. XXXX had billed me for a cellphone I never received and other charges. I had never heard from XXXX since I closed that account. I received no bill, I received no claim for charges on a phone. They have now pawned off a fake invoice to a third party collection agency who are impossible to get a hold off. Their is no real person available on their contact number and they have not responded to my email dated XXXX/XXXX/2015 stating my concerns. I feel very helpless and cheated and after a lot of research online I contacted cfpb. I am a XXXX and my credit score has been tarnished by XXXX 's fake claims. I can not apply for any sort of student loans or request grants owing to this. Please help me. I would be so very grateful. 

Thank you so XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am  writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I became aware of the XXXX XXXX program when XXXX XXXX initiated the program. I was told all I had to due was make payments for 10 years with a public service job. At the time there was no talk of a qualifying loan program. I made my payments on time with out question for about 9 years. When it came time for my loans to be forgiven there was talk about a qualifying program. It is documented that I was in so called qualifying plan before I heard about the loan forgiveness program. I was advised that all I had to do was make payments for 10 years with public service and my loans would be forgiven. In the XXXX hour I was duped and came to realize that after 10 years my payments amounted to nothing. I was duped into changing my so called qualifying plan to an ineligible plan by the loan provider and when it came time for loan forgiveness the rules were changed!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (MD).
Issue: Problems caused by my funds being low

Complaint: First National Bank charged me over {$190.00} of overdraft fee in {$12.00} increments every 3 days while I was travelling outside the country. The original charge that caused the overdraft was less than {$10.00}. When I came back after a month, I called the bank to inquire about the charges and they told me that they closed the account and sold the debt to a debt collector. The bank has my email and my phone number but I believe they did n't make any honest effort to inform me of the account status.

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 01-08-2017 about Debt collection (Medical) with Credit Bureau Services Association (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CREDIT BUREAU SERVICES ASSOCIATION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT BUREAU SERVICES ASSOCIATION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My daughter, age XXXX, brought me her phone after returning home from school. She said " somebody wants to talk to mommy '' It was a very unprofessional woman asking for personal information. I instructed my wife to not give any information to the woman and end the call. The woman abruptly ended the call and called by 15 seconds later ( for the 5th time in the same day ) - I instructed my wife to give me the phone and I attempted to get her name and employee number. She refused to give me her name and employee number. I asked to speak to her manager, at the agents advice, but Again was rebuffed. She literally said " I can see your intelligence '' after repeating my demands several times. She abruptly ended the call once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Bank account or service (Checking account) with EARLY WARNING SERVICES, LLC (PR).
Issue: Account opening, closing, or management

Complaint: I tried to open an account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX both were declined due to a debt with another bank. Early Warning Service LLC is positing incorrect information in a consumer reporting agency. Avoiding me to open an account and job opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the fall of last year I called XXXX XXXX XXXX to get information and pricing for a home phone because I was thinking about switching from XXXX. I only asked for pricing information but unbeknownst to me the Customer Service Rep had put service in my name that I did not authorize and never knew I had the service until I received a bill in the mail. I called XXXX XXXX XXXX and explained the situation and after about 3 weeks of talking to various different supervisors the last person I spoke with ensured me that they had credited my account to a zero balance and closed it. Know I am seeing that I still had a balance and it was sold to Receivables Performances I called them and explained that I do not owe this debt as I never authorized for it or used the services.

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 07-10-2017 about Debt collection (Other debt) with ConServe (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent off certified letters to both the collection agency, Conserve and the Original Creditor XXXX XXXX XXXX College in an attempt to resolve this matter but have received no response. XXXX letter was sent to Conserve on XXXX XXXX, 2017 requesting a response within 30 days to resolve the matter. After I got no response I sent a letter to the original creditors XXXX XXXX College Business office on XXXX XXXX, 2017 again  asking if we could have the matter resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Payoff process

Complaint: I used a convienance check to deposit money into my checking account. I was charged a 3 % fee which is not too bad comparable to other cards but it was a special. When my first bill came the minimum payment was very high. I paid it and thought that they added the transfer fee to first months payment. This month I received my statement and it was high again. I called the company ( Chase ) and was told I 'm being charged 5 % of the balance for my minimum. They said it was in my terms but I have never seen that and have n't had any other credit card ask for that high of a minimum payment. I suspect they did it on purpose to make sure people ca n't make the payment and then they can charge a very high late fee and raise the interest to their highest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage charged an inspection fee ( for an unknown reason ) in XX/XX/XXXX, North Carolina law had some requirements about fees such as this that Wells Fargo failed to comply with. Around XX/XX/XXXX Wells Fargo mailed a check for the amount of the inspection along with an explanation that they where refunding the amount of the inspection to get them in compliance of this law. 
Wells Fargo charged interest on this amount for many years although they did not refund any of the interest and upon requesting they do so they said they do not offer any interest on fees collected in error, their error ( or non compliance ). 
Obviously this company will not loan money at 0 % interest nor should I, they had the money for 7 years to do what they wanted to. 
Now because they sent a check they fee as if this brings them in compliance, obviously it does n't, if a person gets a speeding ticket because they where driving above the posted legal limit but prior to and after that complies with the law thereafter this does not absolve them of their non compliance with the law, that being said, Wells Fargo Home Mortgage must be required to tender payment for the amount of the non compliance along with interim interest from the date of their non compliance to the date of payment in full. 
This does not absolve them of any fines for violating the state law, it does relieve them from any legal action I may bring against them. 
I will table this matter for 30 days or until XX/XX/XXXX whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to resolve this matter as I will advise my council to request any legal action that may be taken to include a request to have the matter considers a class action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Trouble during payment process

Complaint: Around XX/XX/XXXX chase sent me a mortgage statement showing I was one month behind on my mortgage. Chase attached late fees and dinged my credit. I contacted chase and spoke to XXXX XXXX. XXXX said he would look into it and sent me a years worth of payment history and no missed payments shown. I contacted chase again stating what I found. No missed payments.. chase said they will look into it again chase contacted me around XX/XX/XXXX. Chase stated the payment missing is from XX/XX/XXXX?? I asked for payment history from XX/XX/XXXX. I still have n't received any information. They continue to pile up late charges and hitting my credit.. no one at chase can clearly explain this issue to me. Why after 2 years is this the first time I hear about?. I feel they ca n't clearly explain what 's going on and are just putting me off. Meanwhile my late charges are piling up and credit score is taking a hit. Please help me resolve this issue Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Barclaycard blocks us from enabling external account access. It causes me to not link XXXX, XXXX, XXXX, and other apps.

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