milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Debt collection (Medical) with National Credit Systems,Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: As I was going through my battle with XXXX XXXX. XXXX was involved in the process without my knowledge through my medical provider. Since then this has been turned over to collections and now lies with a law firm XXXX and XXXX. XXXX # XXXX. Since their acquiring my account I have Received over XXXX legal threatening phone calls and voice mails of which I kept records. Letters threatening legal actions and account freeze, income garnishments, etc. 
I have a copy of my credit report that I personally obtained and the " Original Ceditor is C.S.I. XXXX and the collection agency is National Credit Systems. 
Due to my illness, I am currently on XXXX. income and have XXXX insurance with complete coverage of all medical bills. On numerous occasions, I attempted to pass this information on to National Credit Systems they refuse to take record of this info. and my every attempt to contact XXXX and XXXX. has been met with contempt and threats to pay in full or they will proceed. 
My XXXX insurance has been effective since XX/XX/XXXX and I wish to resolve this matter A.S.A.P. so my Credit Report can return to its deserved position. 
Respectfully, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Application, originator, mortgage broker

Complaint: In the course of applying for a mortgage, the lender, Bank of America, has made what we deem egregiously petty and nuisance requests for documentation to satisfy their lending requirements and their final mortgage approval. 

For example, with a documented annual income in annual excess of $ XXXX and declared liquid assets in excess of $ XXXX, plus a pending $ XXXX net cash proceeds for a sale under contract for our current home, they want a written, signed and dated explanation for a {$250.00} check to XXXX, rental for furniture for a garden party we hosted. 

We ca n't begin to see the logic or relevance of this request to our mortgage application and approval and think it is a purely time and energy wasteful and unfair request. We have other examples that are just as egregious.

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 02/21/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding Residential Credit Solutions ( RCS ), XXXX XXXX, Tx and XXXX XXXX XXXX, XXXX XXXX, SD. 

On XXXX XXXX, 2016 ( Saturday ), I received a letter dated XXXX XXXX, 2016, from Residential Credit Solutions notifying me that my loan servicing was transferring to XXXX XXXX XXXX effective XXXX XXXX, 2016. How can a company make notification that is effectively 9 calendar days ( not working days ) prior to a transfer. I have received nothing from XXXX XXXX as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 {$590.00} was taken from my checking account without my authorization at Wells Fargo Bank. When I called to see why the money was taken out, thy said they could n't give me any information, but it was for a product I purchased. I did not purchase any products for {$590.00}, nor did I authorize that amount to be withdrawn from my account. And they would not give me any details on this product that I supposedly purchased for {$590.00}. That was appalling to me! I had to close my checking account, because it was obviously comprised and I opened up a new checking account at Wells Fargo. I am furious that {$590.00} was taken from my account and never refunded and to this day- I still do n't know what product this was for!! Wells Fargo took money from my checking account without my consent and they only told me it was for a product I purchased, but I did NOT purchase any other products with Wells Fargo. Recently on the news, there was a scandal at Wells Fargo and it was around the time this money was taken from my account- I think I was scammed like thousands of other customers and I want to be refunded {$590.00} for the fake product that I never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed withXXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Basically the same complaints filed against XXXX and XXXX. Refusal to properly investigate improper hard inquires allowed against my authorization. Fraud Alert placed XX/XX/XXXX has not been honored. I only signed XXXX applications after Fraud Alert only XXXX but I have over XXXX hard inquiries. They refuse to remove as they need letters. 
Please help if possible to get these removed, Thank You. XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I received notification from XXXX XXXX that cable, internet, and phone service was installed and I was listed as the billing person. I did not authorize instillation of any service from XXXX XXXX and never had these services installed. I was told by XXXX XXXX to disregard any notifications for not returned equipment. XX/XX/XXXX I was contacted be a collection agency in attempt to collect a debt from XXXX XXXX. I then contacted the fraud department at XXXX XXXX and filed a police report because according to XXXX XXXX this was a fraud issue. On XXXX XXXX, XXXX I received a letter from XXXX Account Verification Center stating that they notified the collection agency that I am not the debtor for this account. On XXXX XXXX, XXXX I received XXXX calls from EOS CCA ( collection agency ) attempting to collect this debt for XXXX XXXX. On XXXX XXXX, XXXX I spoke EOS CCA, XXXX Account Verification Center, and XXXX XXXX Department. EOS CCA confirmed that they received this debt from XXXX on XXXX XXXX, XXXX and the XXXX Account Verification department informed me that this debt was closed in XXXX of XXXX. XXXX 's recovery department submitted a credit report deletion request on XXXX XXXX, XXXX. I was told by XXXX 's recovery department that they can not send me conformation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the public record on my credit report, which is a bankruptcy. I received notice of the result of my dispute. The result was that the information was verified and the firm that was used to verify it was XXXX. I know factually the information was not verified through XXXX, as my consumer report was frozen on XX/XX/XXXX and Equifax, says they verified it on the XXXX. I reached out to XXXX and spoke to XXXX, who told me a inquiry had been received but she did not see where XXXX had divulged any information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Last month I sent Transunion a letter informing them of unauthorized/fraudulent inquiries on my credit report. To this date Transunion has not removed the unauthorized/fraudulent inquiries that shows on my report. I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their noncompliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB. As I am entitled to a fair credit report just like anyone else. 
Thanks

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 05-05-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Fraud or scam

Complaint: Someone created a secondary bank account in my PayPal account. For nearly a year and a half, this person has been syphoning money in small increments to avoid detection from my PayPal account to his/her XXXX account for a total of XXXX dollars. I attempted to resolve it with PayPal and after offering to tally up the total and refund the money, they called days later revoking that offer and giving me XXXX dollars saying that LEGALLY they could only go back six months. I was legally advised to contact you all in order to weigh my options on how to get my money back. I 'm a XXXX that was heavily affected by this robbery, so please help in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Hello, I reached out to I.Q. Data International , Inc. ( also know as, Rent Collect Global ) to settle an unpaid balance that I owed. After dealing with one person on XXXX, and a rude associate today on XXXX, I finally spoke to the operations director. Due to my financial constraints, I am not able to make the full payment of {$5400.00} at this time. I requested to set up payments, and they denied that saying that I need to find another way to pay the debit in full. They recommended taking out a personal loan with XXXX XXXX XXXX. I went online to apply, and was denied the loan. I called them back to tell them the results, and they said they could n't help me. They made me feel bad that I did n't have other means to pay this in full ; i.e. a credit card, a family/friend, or 401K. They said they would be taking further actions to collect on this debt and that they are reporting this to be credit bureaus, which would affect my credit score. When I asked what the further actions would be taken, they said they did n't know or could n't tell me. I asked to speak to someone that could tell me, and they said there was no one there that could tell me. I asked for another solution and they said there was n't one. To be clear, I ended the conversation saying that I am acknowledging the debt that I owe, I am voluntarily reaching out to you to make good on this debt, I am trying to set up payments to repay the debt, and you are denying me the right to make good and further going to tarnish my credit score. They said correct, and wished me the best of luck. I 've never dealt with anyone in my XXXX years of life that would n't take payments to settle a debt. Its unfair, and not the American way to further ruin my credit when I am trying to make good on a debt. These conversations are all recorded per their policy and can be verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Customer service / Customer relations

Complaint: I received mail today from Chase regarding my XXXX Rapid Rewards Premiere VISA Signature credit card. Enclosed was a replacement card ( for Chip & Signature use ) along with printed materials about the card. Nowhere in the printed materials did it disclose the {$99.00} annual fee associated with this card. These do invite the customer to consult XXXX for more information -- but no where on those online materials is the amount of the annual fee mentioned, not even in the " Terms and conditions '' pop-up window at XXXX. I had to call the XXXX number, wade through a voice menu, and speak to a customer service agent in order to be reminded that this card carries a {$99.00} fee. When I asked to be downgraded to a version of this card without an annual fee, I was told there was n't any. The only way to avoid the {$99.00} fee ( to be charged next on XXXX/XXXX/2015 ) was for me to close the account -- which I did, despite the negative impact on my credit score this entailed. 

In short : Chase is hiding the annual fees these cards carry from their customers, a dishonest and short-sighted business practice, and requiring customers to degrade their credit scores in order to avoid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX, the credit reporting and credit monitoring company, processed fraudulent reoccurring charges to my PayPal credit card for their credit monitoring services for XXXX identities that did not match my credit card information. Although XXXX agreed to refund the charges, as a credit monitoring company would you think they should more closely monitor the actions of their own customers - both myself and the other identities? This makes me wonder if the XXXX identities that were attempted and successfully charged on my credit card were targets of another party trying to capture data about the identities on the fraudulent credit monitoring subscriptions?

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Chexsystems refuses to remove untrue information on my credit report. There was no fraud activity with XXXX XXXX. Also, there are numerous inquiries on my chexsystems report from XX/XX/2017-XX/XX/2017. I did not authorize these inquiries, but chexsystems refuses to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by Weinburg mediation group about a month ago they threatened to take me to court if I did n't pay them. We do n't have alot of money to give they said if I did n't agree to an amount they suggested I would be sued I made 2 payments and ca n't pay what they want so one payment has n't been made they are still threatening me to sue. Last call was XXXX/XXXX/17. They are also contacted my ex step mom which she has nothing to do with any of my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below. 
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try  again later. " ..occurs AFTER providing personal information and accepting terms of use Experian - Page fails to load : https : //www.experian.com/XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action. 

Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to 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 explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XX/XX/XXXX I received a Home Loan from Chase Bank for {$98000.00} with a {$620.00} Monthly Payment Account # XXXX. On or about XX/XX/XXXX I received a document from XXXX depicted on XX/XX/XXXX was paid in full. I questioned XXXX about this and XXXX sent letter to XXXX about the above and I have heard nothing else. However, I have been paying monthly mortgage payments for XXXX years and XXXX months towards a paid home loan. That amount comes to without interest and penalties XXXX i want it returned or be reimbursed. 

Further, it appears that a second loan through XXXX was taken on the same property, in the amount of {$92000.00} on XX/XX/XXXX that bears my name and signature. And on XX/XX/XXXX Chase Filed a Satisfaction of Mortgage. Yet I continue to make payments. I am attaching or will provide CFPB with a copy of all records I have proving the above, upon request after I secure Log or case number to mail them to your agency

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a CitiGold checking account with a promotional code of XXXX, offering XXXX XXXX XXXX miles. The XXXX XXXX XXXX miles were to be issued with the following requirements, making {$1000.00} debit card purchases and making XXXX or more bill payments for two ( 2 ) consecutive months. 
On XXXX/XXXX/16, after XXXX requirements were fulfilled and met ; I confirmed via secure message with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. 
Then on XXXX/XXXX/16, I submitted another message to open an investigation to follow up on when the XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days, and I have yet to receive any response back. 
I have searched online and found that there were numerous cases with Citibank not honoring XXXX XXXX XXXX checking account. I am being charged a $ XXXX/monthly fee in my account and another monthly fee will be withdrawn from my account without any response from Citibank. I do not appreciate that they are not responding to and ignoring this issue and refusal to award me the points I have earned ; all while still charging me a fee for maintaining their Citigold checking account.

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 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I sent Trans Union a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and Trans Union Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.

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 10/22/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (NV).
Issue: Deposits and withdrawals

Complaint: I have been using rush card for almost 5 years happily until XXXX XXXX. At that time a software glitch became a nightmare. On a trip to XXXX XXXX for a work conference I was embarrassed when my card declined a transaction that I should have been able to afford easily, from there I suffered the continued embarrassment of having to rely on my co workers to finance my expenses including a ride home to the air port. Till this date I still do not have access to my funds. I have been reduced to borrowing money from friends and family to pay for basic expenses. Numerous calls and emails to this organization have gone unanswered. It is as if my money has disappeared. It is XXXX XXXX and I still can not acces my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: INQUIRIES WERE REMOVED AND LATER RE-INSERTED WITHOUT NOTICE OR EXPLANATION. 

XXXX XXXX -- -XX/XX/XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX. 
XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation