milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is a complaint against fraud by company that originally advertised itself as " XXXX Serum '' and later acted under different names such as XXXX, XXXX, XXXX ..., XXXX, etc.. 

XXXX advertised themselves as an internet store specializing in cosmetics beauty products. My first and only purchase from XXXX was made on the internet through their web store at XXXX on XX/XX/XXXX, for a sample of skin serum for an amount of XXXX, ( plus a shipping charge ). This purchase in no way indicated any contract engagement. The purchased product was shipped and received timely. The fraudulent activity followed shortly in the form of several charges on my credit card that were done surreptitiously, without my authorization. 

Since the charges were completely unexpected, I did not spot them in my monthly bank statements until two months later, and upon scrutiny found all of them. Here is the list, as complete as I can infer from the monthly statements : 1 ) XXXX XXXX XXXX XXXX {$4.00} 2 ) XX/XX/XXXX XXXX XXXX XXXX {$3.00} 3 ) XX/XX/XXXX XXXX XXXX XXXX {$1.00} 4 ) XXXX/XXXX/XXXX XXXX XXXX VA {$99.00} 5 ) XX/XX/XXXX XXXX VA {$89.00} 6 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 7 ) XX/XX/XXXX XXXX XXXX XXXX {$89.00} 8 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 9 ) XXXX XXXX {$89.00} Items XXXX-XXXX above are related to the first and only purchase I made, and I do not wish to dispute them. Items XXXX-XXXX, on the other hand, represent the fraudulent activities. 

Also, ( I believe in an attempt to justify these above charges ) the company made XXXX small shipments on my name, that contained XXXX small containers with net weight of XXXX ounces, of something called " XXXX '', that to this day remain sealed. If the company wants them returned, I will ship them back, by all means at their own expense. 

I made an attempt to dispute these charges though my bank ( Chase - credit card issuer ) that negotiated with the rogue company on my behalf. As a result, XXXX XXXX XXXX XXXX ( I guess this is one of the names they go under ) condescendingly issued a refund : 10 ) XXXX/XXXX/XXXX XXXX {$89.00} and considered the matter closed. 

On XX/XX/XXXX I received an email from XXXX XXXX where they wrote, among some less significant lines : " we have marked your request as resolved ''. 

This was followed by another email on XX/XX/XXXX where they stated : " Your account has been put on Black list status and we can no longer assist you with any of your account details ''. 

So it seems I have exhausted all my options in trying to get a full refund. This is why I ask for your help. 

the means to contact the company ( s ) are : 1 ) XXXXXXXXXXXX 2 ) XXXXXXXXXXXX 3 ) : Shipping Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I not only wish to get my reimbursement, but would like for this company to be marked under anything from marketing to wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 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: Account information incorrect

Complaint: I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: Macy 's American Express card has been fraudulently charging me Late Fees and Interest Charges for months though they are directly debiting the full balance due every month from my checking account. How can they charge me these late fees/interest charges when they are withdrawing directly from my checking account? This unscrupulous practice has been going on, may be for years and I just happened to notice it today. Please take action against Macy 's so they are fiscally prudent when it comes to handling customer accounts!

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the companies and they said they had no way of knowing unless I had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (WA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a loan XXXX/XXXX/XXXX in the amount of XXXX with a XXXX dollar finance fee. The loan defaulted after that and was sent to their corporate collection XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX was sent to a third party debt collector called XXXX XXXX XXXX. I can no longer way check into cash for this debt and have to deal with XXXX XXXX XXXX. It is my understanding once sent to a third party collection that your loan needs to be close in the XXXX XXXX XXXX. It has not been close and it is over a year later

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I closed my Macy 's credit account leaving a XXXX balance but two months in a row they continue to charge me a fee. The first month was {$4.00}, I paid the amount thinking maybe I stilled owed something, Then the following month again the now charge me {$2.00}, I believe this company is taking advantage of consumers.

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 11/17/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We got behind on our car note due to a illness of the money maker in the family. Our car notes are financed thru ally financial. They call 4-5 times a day while we are work. Have instructed them on multi occasions that I 'm aware that we are 21 days behind, to quit calling and I 'm attempting to catch them ASAP. They continue 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 non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with Monterey Financial Services LLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are stating that I owe XXXX thats not true. Also I was in contact with the original creditor and on payment arrangements when this debt was place on my credit report. I have never done business with Monterey Financial Services. I do not have a signed contract with Monterey Financial Services. I have a right to demand that Monterey Financial Services furnish the signed contract between them and myself. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: I am writing to your agency in hopes you can help me with this dispute. I am very upset with my credit card company, American Express and the way they handled my claim. I called them on XX/XX/XXXX and they did n't even give me the chance to explain and said that was nothing they could do. I filed a dispute with Amex through you ( CFPB ) and American Express sent me a letter now in response saying that they are unable to refund my account stating that the charge is too old to dispute. I did some research that I could still dispute my charges using the claims and defenses, that I have up to one year from the date of the statement. Which I did. I believe I am within my rights and I appreciate if my credit card company would take a look on my side instead of telling me to take a hike without even opening a case. The charge that I am trying to dispute is {$4000.00} and the company did not deliver the services as promised. And I could barely get in touch with anyone from there, and finally when I complained and asked for my refund they completely ignored my calls. I believe they took advantage of me they prey on the elderly and I believe I am on my rights. And American Express is not even giving me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of " charge off '' in the payment history, the balance says N/A when the balance is XXXX, and the account history shows the remarks " Charge Off as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX, XXXX. '' None of this is correct. This debt was paid off, there was no dismissed bankruptcy on XXXX XXXX, XXXX and this debt is not a charge off. I can not get a straight answer from Experian.

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 07-11-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Good morning, I filed a complaint with the BBB informing the company that I a victim of identity theft and the medical does not belong to me. I provided the ID Theft Report from the FTC and other documents. The BBB responded : You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. <P/>Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. <P/>If you wish to pursue the matter further, you have several options. <P/>1. You may be able to sue in the county Justice of the Peace courts, commonly referred to as Small Claims court. You will need to determine the county in which the company is located and call the county seat for more information. Or, check one of the online search engines to see if your county has a web site, which may provide helpful information on how to file a suit. 2. You may consider hiring an attorney to assist you. If you do not have an attorney, you may call the XXXX XXXX XXXX XXXX XXXX at XXXX for assistance. XXXX. If the company requires a state license from a state agency, you may be able to file a complaint with that agency. If you do not know if a business requires a license, you can access the State of Texas web site State Agency link at XXXX XXXX XXXX to inquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Medical) with CAC Financial Corp (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.

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 11-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I knew that I was eligible to consolidate my student loans, half of which would come due 6 months later ( XX/XX/XXXX ), the other half immediately. I began calling Navient the day after I graduated to set a forebearance on the necessary loans so they would all be due in XX/XX/XXXX, allowing me to consolidate them all at once. Once they were notified of my graduation, they were happy to do this for me. 

Three months later ( XX/XX/XXXX ) I start getting notifications of payments due that month. I called again and spoke to a supervisor, and they said the agreement we made was only for my government loans, not the private ones. Even though they assured me in XX/XX/XXXX that ALL of my loans were included, they would not defer my loans as promised. 

My private student loans with Navient total roughly {$27000.00}, and the payments are roughly $ XXXX/month. Additionally, they wanted to charge me $ XXXX/loan ( XXXX ) to lower my monthly payment to a realistic amount. Since I could not afford an extra {$150.00}, they could do nothing more for me. 

After hitting my credit with a 60 day past-due notice, I called again to try to negotiate a reasonable payment. I was told that I could either pay the past due amount ( $ 1,000+ ) and request a lower payment, or allow them to take payments out of my bank account monthly. I explained that I do not get paid on the same day/date every month, as it 's a 2 week pay period. I was offering to make payments if they could make them reasonable, but they refused to help. Not only was the agent refusing to look at my account to see the previous conversations I 'd had with other agents, but he lied and told me no supervisors were in the building XXXX-XXXX. Roughly 20 min later, a supervisor called me back. She refused to apologize that the agent lied to me, or even acknowledge it. She then informed me that she will be referring my account for litigation and disconnected the call. 

I WANT to make payments, but they continually lie to me and refuse to accept any type of agreement that would n't overly benefit them. I do n't understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (I do not know) with Solidus Group LLC. (NH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This complaint is being filed because I am concerned that I have been made victim of misrepresentation and that this company has taken my money ( because I authorized it ) and they have been very uncooperative in helping me find a resolution. I first started feeling this way because I was preparing for my records some 'Paid in Full ' statements from companies that I had become delinquent with. I had called one of the companies that I was trying to request said information and they informed me that I still owed money to the company and that my account was in fact not resolved. I recalled my financial records and it stated that I paid a lump sum of {$510.00} and remembered the call that I had received from this company. The call itself was left as a voicemail and the gentlemen on the phone said that he would be sending me a court summons if I didnt call to resolve this matter before a certain date. In a panic and being scared I called back instantly and tried to get this matter resolved. The same voice that left the voicemail answered and read me a line of information and then connected me with another man that took my debit card information and I set up a payment plan to try to resolve the delinquency that I had been in. Flashing forward to when I tried to get the documentation that stated I was paid in full the company told me that I had not paid anything. I then called 'Clear Credit Solutions ' and I was forwarded to a man who said he was in his car and was not at 'the office ' and he would call me back once he was. The gentlemen didnt return my call nor did he take my phone number for a " return call. '' I waited a few hours and called again, got a voicemail, left a message with my name and phone number to be called back. A few hours back I received a call from a gentlemen stating that he was forwarded my phone call to talk to me about the charges. I asked the gentlemen if he could tell me what the account was that I had paid of and he stated that he did not have that information but he had " an account number '' but no account information. When I asked if he could send me a receipt for my charges, the gentlemen sent me a word document that had seemingly just been typed up and for an amount that was incorrect, though I paid {$510.00} ( as per my bank statements ) the receipt was for {$510.00} I am not pleased with the service that I have gotten, I am not pleased with the fact that my money was taken because I was threatened into giving my money to this company and I am not pleased that there is " no access to my account information '' so that I have no idea what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I applied a new checking account in XXXX. This is a special promotion to receive a bonus offer {$250.00} who opens called Everyday checking account with Wells Fargo Bank. 
My application have been approved, and my new account is eligible to receive a bonus offer. I have received an email from them and it will be deposited {$250.00} within 45 to 60 day. In order to receive the promotion offer, I need to meet all criteria. I have made all criteria their requests. However, their promotion have not been promised because I already have a checking account with them. They already knew I have a different checking account and have approved my application and the special offer. However, they have not promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On two different occasion the representative said they would email me deletion letter. What I had received was n't a deletion letter but a letter just stating my account was paid in full. I called customer service, then another representative said they do not send out deletion letters. I need a deletion letter stating that I have paid this off long ago and need it off my credit report.

Company response to consumer: Closed with explanation