milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing several inquiries that are reflecting on my Equifax Report since XXXX XXXX. Equifax have removed several inquiries and at other times their response is that I need to contact the creditor to get the problem resolved. This contradicts Equifax previous action by conducting an investigation confirming the inquiries were not authorized then removing them from my credit report. I am requesting that Equifax conduct themselves like they previously did and conduct on investigation to the following disputed items ( inquiries ) 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 XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX FLORIDA 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/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 EQUIFAX MORTGAGE SERVICES XXXX/XXXX/XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX Please carefully review some inquiries from the same company that ran my credit on numerous occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with CAC Financial Corp (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was hospitalized in 2012 when I was XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX, Oklahoma. Due to my families low income the XXXX informed us of a XXXX XXXX that would pay for all hospital expenses that totaled a little over {$18000.00}. Recently, I checked my credit score and those expenses still appeared as owing. So I contacted them, discussed the situation and they were able to remove the expense from my credit history. There is still another hospital expense that they won't remove. I made two payments because they were persistent. I learned that I could dispute it, and I'm needing help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX assisting my client. PNC bank has continued to refuse to send me the information I have requested to assist the homeowner. I need a Verification of Mortgage and have sent a Qualified Written Request and XXXX authorizations on XXXX XXXX, 2016. They will not respond with a written statement mortgage on their letterhead or with an officer of the bank 's signature. They send information but not such that is acceptable for the underwriters. Please assist as this client needs assistance through XXXX program. They will not answer my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Credit card) with J.A. Cambece Law Office, P.C. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a XXXX card at one time many years ago. The XXXX company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called XXXX. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the Cambece " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. Since they have been playing games with the same court I work out of. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my XXXX XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello. Even though these accounts were hacked by my brother, I paid them to have my credit history cleared. Attached are the receipts. Please help me to clear my credit history. I ca n't even open a bank account and I have never done anything wrong. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of America claims that there is a Massachusetts state law that prohibits it from extending home equity credit lines to owners of homes held in trust. I tried in the early spring XX/XX/XXXX and again in XX/XX/XXXX to open a home equity line of credit to replace the one I have had for decades with Bank of America and that will expire in XX/XX/XXXX. Both times I was told that there is a Massachusetts law prohibiting BoA from extending a home equity line of credit for a house held in trust. I am trying to get a line of credit for the same house that I have a line of credit for for many years. <P/>Yet I have spoken with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX as well as my estate attorney and have been told that home equity lines of credit are extended to owners of homes held in trust, subject of course, to scrutiny of the relevant trust documents but that most often there are no impediments to gaining a line of credit. <P/>My concern is that BoA is not truthful and that homeowners are not getting accurate information. <P/>I will apply for a home equity credit line early in XX/XX/XXXX, probably at XXXX XXXX XXXX, XXXX XXXX XXXX, or another local bank. I do not anticipate any problems.

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 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Fraud or scam

Complaint: XXXX XXXX 2017 Coinbase enables BitcoinCash trading. The price of the coin was moving up before the announcement. 4 days prior to that Coinbase listed a road map that stated Bitcoin Cash would be available for withdraw only. I was not able to sell my Coins because Coinbase did not enable me or other Customers. The site was down and it is still down. There was no prior notice of this action. The price rose as high as {$9000.00} before crashing to {$3200.00}. But prior to this the price moved up before they even announced it. I feel many users n this exchange have been defrauded by the actions of Coinbase. They have listed a policy of employees trading but there is more substantial evidence that Coinbase is acting to mislead its customers. I want to know why they listed this at a minutes notice. I want to know why it was being promoted heavily and even XXXX XXXX  calling Bitcoin Cash Bitcoin. I also feel listing 2 similar names to be confusing to some. Coinbase has not answered any question of this and I feel they coordinated to collide with others at the expense of their customers. I feel Coinbase is using deceptive practices. I feel Coinbase is using predatory actions and not being truthful with their customers

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an open complaint ... .been waiting over 6 weeks for resolution ... ..Chase keeps stalling. I have sent all the proper documents 4 times ... .called ... .written many letters ... ..still no closure. 
Chase is trying to collect attorney fees for a debt that is not mine!! 
They keep telling me my litigation was for construction without permits ... ..that never happened!!!! 
They just do n't want to admit they made a mistake ... ..and I will not pay for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (OH).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (VA mortgage) with Executive Title Company (KY).
Issue: Settlement process and costs

Complaint: XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.

Company response to consumer: Untimely response
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card with XXXX. I was charged on my account with a charge for a service which I did not receive. I objected to the charge, but XXXX XXXX investigated and refused to remove it. This was for a service I did not receive and refused to pay the charge. I closed the account, but XXXX XXXX continued to add interest and late charges and the total bill increased to {$550.00}. This was never a legitimate charge. 
I went to the hospital with a XXXX. I was misdiagnosed in the hospital, got XXXX for nine weeks as a result until later finding medical help. I called the hospital and refused to pay my share of the hospital bill because I was misdiagnosed. The hospital refused to give me credit and subsequently submitted my bill for collection and it wound up on my credit report. This is not a legitimate charge which I had the right to refuse to pay and it should not be on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with Source Receivables Management LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XXXX XXXX 2015 i contacted Experian 's dispute department. I explained that I need to have the statement about calling me to verify new accounts before they are opened removed, because the telephone number on there is not a valid number any more. I was sent a confirmation email with a report number ( XXXX ) and Investigation ID XXXX. The email told me to wait four days for my credit report to be updated and corrected. I contacted them again a few weeks later and received a letter of notification in the mail stating that the statement was deleted. When I contacted XXXX on XXXX XXXX, I was told that the statement is still there and I could not open an account unless I could be contacted at the number on my credit report, which is a number I have not had for years. I called Experian for a third time on XXXX XXXX and was told they would look into it and contact me by Thursday, XXXX XXXX. I still have n't heard anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 01/30/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: secured a Reverse MTG in XXXX in XXXX was informed that our ins canceled and forced ins. of XXXX was charged to our acct. and that payment was expected. Telephone calls and faxes to XXXX XXXX, these included letters from our ins. agent and co. showing that our policy had n't expired since beginning in XXXX and that the Ins. CO. TAKES it 's payment electronically monthly. 
WE RECEIVED A CREDIT OF {$800.00} the amount of our ins. I told them a full credit plus expenses should be credited. 
XXXX another letter from XXXX XXXX telling us that {$1200.00} was due and payable by XXXX this was around the difference between what they charged us for ins, and what we paid. called Left message. 
XXXX/XXXX/XXXX another letter stating that unpaid ins. in the amount of XXXX has made the loan due and payable, if not pd. in 30 days. Called RMS XXXX XXXX explained everything, Faxed info to XXXX. XXXX/XXXX/XXXX called XXXX XXXX left message on voicemail " let me know if you received the fax info if you need anything else let me know '' XXXX/XXXX/XXXX spoke with XXXX asked about documents " waiting for confermation from the ins. dept. but we should be all set & receive a rebate ''. 
XXXX/XXXX/XXXX XXXX certified letters from XXXX, XXXX, XXXX XXXX atty. XXXX XXXX. we are still in breach of contract for failure to pay insurance. Faxed XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. Also called XXXX at NH. Banking Dept. Legal Div. 
XXXX at HUD forward written complaint ca n't do anything for me hire an atty. Called XXXX, on line application. Spoke with XXXX at XXXX. Spoke with XXXX @ XXXX go to XXXX Housing Counselor, XXXX at AHEAD Need certified reverse mortgage counselor that would be XXXX. Spoke with XXXX go on line national Consumer Protection Bureau she has had excellent results with them keep her posted she will see this to the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive repeated calls from Conns every one to two hours a day concerning my monthly payment. I only get paid on the XXXX and XXXX of the month, and have been carrying the load due to reduced income in my home. I have explained this to them numerous time, and yet they continue with rude and abusive questioning trying to get into my personal business. Stating that " my personal business is there business since I have their product ''. I gave them a definite day as to when I will pay them. Yet they have pushed me as far as having to get into further debt by applying for payday loans to stop their threats and harassment in the past, and I refuse to take out anymore loans. I understand that I have signed an agreement, and I intend to pay then XXXX XXXX for my XX/XX/XXXX payment, and will make my XX/XX/XXXX payment. My circumstances are strenuous, but I intend on making it work. I am currently a few days behind for my XX/XX/XXXX payment, and have stressed to them when I will pay. The harassment has gone too far. I have had it with them, and am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.

Company response to consumer: Closed with explanation