milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with Stephens and Michaels Associates, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Some one by the name of XXXX keeps calling me at my place of employment, on my cell and residence and stating he works for Stevens and Michaels Associates XXXX, they are stating they have information on me and will come arrest me at my job or home, when asked what is this matter about, they get aggressive and do not give me any information. Also main number is always connecting to a voicemail to leave a message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested Experian to provide me an up to date credit report for the last 2 months so I can verify that the updates that were supposed to be done were completed. Experian stated that they will send me a credit report almost 2 months ago and as of today I have yet to receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EQUIFAX THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN    XX/XX/XXXX    EQUIFAX REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY EQUIFAX CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE   XXXX   INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    - XX/XX/2017 -  XX/XX/2017        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     - XX/XX/2017     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 response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: The property inspector hired by Wells Fargo, our servicer, has come onto our property to harass us and take photos of our property from the front porch. This occurred on a Sunday morning at the beginning of XXXX. This was a violation of our property and our privacy and has caused us distress and embarrassment.

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 10/13/2015 about Debt collection (I do not know) with Hatfield Portfolio Group LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX XXXX from Hatfield Portfolio Group from phone # XXXX called me on XX/XX/XXXX and asked for a XXXX XXXX. I told XXXX XXXX that XXXX XXXX is my ex-husband, our divorce was final XX/XX/XXXX. I gave XXXX XXXX XXXX 's current address and phone numbers and told him his new wife 's name. XXXX XXXX said he appreciated the information and said he would remove my name and number from his paperwork. Again today, XX/XX/XXXX XXXX XXXX again called my phone number and left a voice mail message asking for XXXX XXXX. I called back and got his voice mail. I left a message reminding him of our conversation a few days prior and that he was to not call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing statement

Complaint: Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America Continues to report derogatory information to national credit reporting agencies after a year of disputing information that was considered identity theft and fraudulent transactions that where done in my name. after receiving documentation from local law enforcement, on XXXX XXXX 2015 member of bank of America fraud dept XXXX XXXX Supervisor after doing investigation ask and told all three national credit agencies to remove the information from off my consumer credit file. which was removed and placed back on my file two weeks later without any proper notice or warning of actions they intended on taking. which was a violation of fcra laws that protects against financial institution rescinding or placing fraudulent information on consumers protection files. On XXXX XXXX 2015 member of Bank of America Fraud dept By name Of XXXX XXXX discovered that bank of America never mailed out card or any corresponding documents that would had allowed me to opportunity to dispute the charges as well them never taking into account the police documentation that they received naming the people that had done the fraud. On XXXX XXXX 2015 Bank of America assigned the information to XXXX XXXX XXXX and associates which is a debt collection firm and sending me an order to cease and desist from calling bank of America about the account and that any thing i needed to discuss had to go thru XXXX XXXX based out of georgia which is a debt collection firm, Which representative by the name of XXXX XXXX XXXX alerted me that they where unable to remove the information from my consumer credit file and that i needed to speak with another third party collection company which whom they moved the debt to by the name of XXXX XXXX XXXX XXXX out of XXXX North Carolina. Which all are refusing to re-removed the debt under fair credit reporting Act As well Fair Credit Billing Act, North Carolina Fair debt Collections Practices Act. After Speaking with XXXX XXXX In the victim assistance unit for bank of America she refused to remove it even though knowingly she admitted that there were mistakes done on bank of America 's behalf and that she does n't have to speak with me and forwarded me back to the following collections agencies after having over 300 days to rectifiy the matter. Also there where no account statements sent to me. As they continued to report derogatory information in my name. And not doing a comprehensive investigation. Had took my rights away as a consumer to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/21/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, I financed a car through XXXX XXXX, who 's financing manager was acting on behalf of Chase Auto Finance. I have an XXXX FICO score and was offered a 3.9 % interest rate for a new auto loan. I asked the finance manager why Chase was advertising lower rates ( 2.49 % ) on their website and he stated I would need to talk to Chase ( after my loan closed ). I contacted Chase as soon as I received my billing information from them and asked why I was n't offered a lower rate, commensurate with my credit score. The agent for Chase could n't answer my question and transferred me to a Chase auto finance manager who informed me that the finance manager at XXXX XXXX ( acting as an agent for Chase XXXX was able to mark up the interest rate to whatever they felt they could " get away '' with. The fact that I could obtain a lower interest rate from Chase for the same term and amount was never disclosed to me. I assumed, as a reasonable consumer, that Chase would offer a competitive loan rate regardless of how it was obtained ( ie. online, branch, or auto dealer ). I feel that Chase Auto Finance and their agent XXXX XXXX engaged in Unfair, Deceptive Act and Abusive Practices by offering the same loan for the same customer at different rates, based upon the acquisition channel and not disclosing as such. I also do not feel that Chase has proper XXXX party oversight for auto financing agents making auto loans on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: i had a very bad experience with Money Gram co. 
three days ago i send money from USA to XXXX they ask me for first and last name as required i did provide all the information same as my receiver ID the min i finished they took the money from my account. i checked their web site they said money is ready for pick up my receiver went to their location the next day they told her money is not ready for pick up yet!!!! after three days when she went back they told her we cant give you the money because there is no middle name in her order ( which is OPTIONAL!!!! in their web site you can check it ) AND SENT HER BACK so i, however she has their confirmation e-mail ID matches the first and last name i sent her my confirmation e-mail too.!!!!!!!! so instead of send her back they should notify me when i set up the transaction because the information they requested matches the receiver ID and confirmation ID. 
when i called the customer service here they told we cant do anything for you go online CANCEL YOUR ORDER WAIT UP TO 10 DAYS FOR REFUND AND U CAN SEND BACK THE MONEY WILL BE READY FOR PICK UP IN 3 DAYS. 16 TO SEND MONEY WHICH DECADE IS THIS ITS 2016!!!!!!!!!!!!!!!!!!! 
so either they do n't have the money available at that time or they want to keep it longer. i cant see another reason because i dealt with different co. and this is never happen to me before. 
hopefully you can help me now my money stuck with them i cant get it back before 10 days so i can send it again.

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

Complaint: They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I made a deposit of {$900.00} via ATM. My account was overdrawn for the first time. I have deposited many checks from the same issuer in the past and have never had a hold placed on one until now. I called Wells Fargo and they advised me they could not remove the hold because the funds were not verifiable. I explained to them I have deposited many of these checks in the past and this is the first time they have placed a hold on one. They told me to call the issuer and verify funds are there. I did just that. I called XXXX and sent email ( see attached ) and funds are present to cash the check. I called Wells Fargo back and they said they still ca n't remove the hold from the account. I told them I felt as if they are doing this now because I have a negative balance and they just want to collect more fees from me. I have been with Wells for 20 years and have never had this issue. I sent email to XXXX and advised them the bank was saying the funds are still not verifiable. I then went into a branch office. The supervisor there told me she called XXXX and they banker would not verify funds available. She told me she would waive XXXX in fees. I then asked why they are placing a hold of nine days or more on this one check. She repeated that they could not verifiy funds. I advised the accounting folks at XXXX and again they are advising me the check shows as cashed on their end and cleared the account. Whom am I to believe at this point? The company who stands to gain from my misfortune in overdraft fees or the company who issued the check? I am still getting fees from Wells Fargo and plan to close all six accounts with them. I need to know why they can hold my money after the issuer confirms it has cleared their account? They are only doing this as policy to collect additional charges. A customer service specialist I spoke to stopped just short of agreeing they are doing this to just collect more in fees. See emails and copy of check attached.

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 06-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Credit card protection / Debt protection

Complaint: In XXXX, I had some XXXX work done on time payment and was forwarded a credit card right away from a company called Care Credit to make my payments. Everything was fine for awhile until I started receiving notices and robo telephone calls from Care Credit staff stating my payments were late even though I made my payment through the mail and sometimes on line, If I though I 'd might be late by mail. Sometimes Care Credit would bill me and others times I would not receive a bill. When I inquired as to what happened to my statements for payment, Care credit mentioned that they had sent me an email ( who would sent a bill to a consumer via email and not notified the consumer? Now, they are trying to make me pay late fees and have gone up on my premiums without proper notification. I have notified Care credit that I can not access their computer systems anymore to pay my bills, but that does not seem to fazethem. Meanwhile, I continued to make the same payments I had agreed upon in my original papers ( which is {$160.00} and late fees if I am ever late but this is not enough for Care Credit. I have all of my paid receipts and all correspondence received from Care Credit from XXXX through XXXX, and will be appreciative if you can assist me in any way that you can. Incidentially, a class action suit was filed against Care Credit/GE Capital Retail Bank/now called Synchrony Bank in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX California and the final hearing was on XXXX XXXX, XXXX. In reading the transcript ( which is online ), the defendants won this suit for XXXX XXXX dollars and maybe more. Any legal services you can recommend to me will be appreciated. I do need to mentioned to you that I am a retired senior and also a XXXX student, and I need to clean up this matter as soon as possible so I can go on with my education.

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 05-05-2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: We were charged XXXX for XXXX XXXX seats on XXXX XXXX to XXXX. We have contacted XXXX and Chase ( the issuer of the credit card ). Both responded that we had XXXX XXXX seats so no refund was due. That misses the point. We do not dispute that we had XXXX XXXX seats ; the issue is that we were charged XXXX. 
The confusion stems from the following sequence : -- -XX/XX/XXXX We made reservations for the round trip to XXXX and purchased XXXX XXXX seats. 
XX/XX/XXXX We purchased a year long subscription for XXXX XXXX seats from XXXX. 
XX/XX/XXXX We contacted XXXX to cancel the reservations made on XXXX within the XXXX hour window for no-penalty cancellations. We explained to the agent that we intended to rebook and use our XXXX XXXX subscription to obtain XXXX XXXX seats on the new reservation.She said there was no need to cancel the reservation. She would adjust it to reflect our XXXX XXXX subscription. She did so ; sent a confirmatory email ; and the amount charged our credit card reflected the air fare with no charge for XXXX XXXX seats. 
XX/XX/XXXX XXXX charged our credit card for the XXXX XXXX seats with no notice to us. We learned of the charge in XXXX when we received our monthly statement. 
XX/XX/XXXX We submitted a written refund request to XXXX. 
Late XX/XX/XXXX After receiving no reply from XXXX, we submitted an electronic refund request. 
XX/XX/XXXX We submitted a refund request to Chase Bank, the issuer of the credit card. 
XX/XX/XXXX We received notification from XXXX that our request was denied because we had received XXXX XXXX Seats. 
XX/XX/XXXX We supplied Chase Bank with written documentation of the above transactions. 
XX/XX/XXXX We contacted Chase Bank to ask what was happening with our refund request. We were informed it had been denied because we had received XXXX XXXX seats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.

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 09/18/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with Peak Acceptance, LLC. (AZ).
Issue: Trouble during payment process

Complaint: We paid off our loan   XXXX  , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to  XXXX  several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday   XXXX   XXXX  ,  XXXX  said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.

Company response to consumer: Untimely response
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with STATE FARM BANK, FSB (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: state farm bank-I mailed them principal only payments on five different occasions, only to have them apply those payments to interest only payments-tried to straighten out on at lest six calls spanning five weeks-was told they would fix it, then told they cant and that if I wanted to pay principal only it should be paid to completely different address-never disclosed beforehand and NEVER given copy of loan agreement, was told by state farm agent I would get copy of agreement when they mailed payment book, they never sent it, ive financed many vehcles and have never been told that straight principal payments will go to straight interest unless I have undisclosed address-it is NOWHERE on the payment book

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Medical) with Capio Partners, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.

Company response to consumer: Closed with monetary relief