milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was fraudulently charged on my XXXX card. XXXX reversed the charge. The provider, XXXX, converted the XXXX to Barclaycard. Several months after the reversal, Barclaycard added the fraudulent charge back to my account. I provided them with evidence that the charge was fraudulent, but they left it on my card anyway. They did not provide any invoice or receipt from the merchant to support the fraudulent charge. The only business I conducted with the merchant was paid by checks, NOT by credit card. I provided the invoice from the merchant and copies of the checks that paid the invoice. 

The credit card company claims there was some other charge by the merchant, but the charge to my credit card was fraudulent, as XXXX confirmed when they reversed the charge! There is no other invoice or any other service provided by the merchant that would justify charging my card. 

I have attempted to contact the merchant numerous times over the past several months to no avail. Barclaycard has not addressed any of the issues with their response and seem to be just intent on keeping my money for this fraudulent charge.

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 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I have reached out to experian several times about XXXX XXXX XXXX. this account has disputed SEVERAL TIMES and each time, XXXX XXXX mail a letter saying dispute the item. Which I keep doing. Never have they sent verification so I have no clue how they keep veryfying with the credit bureau. please have experian delete this account asap. i have kept the letters along with the envelopes they have sent. XXXX and XXXX has already deleted these items and I need XXXX to do the same. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was not notified, but when I checked Equifax 's database I was told I may become a victim of fraud because they improperly stored my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE ADDRESSED SEVERAL ISSUES WITH EXPERIAN THEY HAVE NOT REMOVED FRAUDULENT INFORMATION FROM MY CREDIT FILE THEY HAVE REMOVED THE ACCOUNTS SEVERAL TIMES AND HAVE NOT CONTACTED ME THAT WITHING 5 DAYS THAT IT WAS REINSERTED IN MY FILE

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call 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 06-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company other than the original creditor collecting on a debt that is not mine. I contacted the original creditor and they have no knowledge or records of me ever living in their apartment complex. I have problems renting apartments because of this matter. The company who I rent for now took the liberty of verifying to the original creditor if I ever lived in their property and they told them no also. 7 years ago this same debt was removed from my credit report and this same company somehow managed to have it reported back to my credit report and updates its monthly so that it could remain on my credit file longer than allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Shopping for a loan or lease

Complaint: Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

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 07/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo offers mortgage customers the ability to pay their mortgage online for free however, every time I have attempted to do this I have received the message, " Please try again later. Wells Fargo Online is temporarily unavailable. '' So, if I do n't have time to mail my payment I have to pay it over the phone which costs {$15.00}. I believe that having the system always unavailable forces mortgage customers to pay the {$15.00} fee. Also, when I spoke with a representative about this issue he gave me an XXXX number for the tech department. When I called this number the automated system asked for my account number. When I entered my account number it said it did n't recognize that number and I could n't get any further. It does this every time I call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (NH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX I WAS BILLED BY XXXX FOR THOUSANDS OF DOLLARS OF MEDICAL SERVICE. I PAID XXXX BY CONSENTING TO REMOVING A MONTHLY AMOUNT OUT OF MY CHECKING ACCOUNT. I CALLED XXXX IN BILLING AT XXXX AND I AM MADE SURE MY ACCOUNT WAS PAID IN FULL ON THE LAST PAYMENT YESTERDAY I GOT A COLLECTION AGENCY STATING I OWED {$59.00}.

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 03/13/2016 about Debt collection (Medical) with Debt Management Incorporated (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Bank of America then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For the past year i have been contacting XXXX about XXXX accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. XXXX File Number 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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XXXX XXXX I went to the JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, New Jersey and applied for a refund of {$220.00} from my JP Morgan Chase Credit card. The branch manager spoke to XXXX the supervisor at JP Morgan Chase Credit card who promised overnighting the refund. But the check never arrived the next day or on XXXX XXXX so I returned to the branch. The branch manager again called JP Morgan Chase Credit and was told the refund check had been cut on XXXX XXXX and would be sent XXXX two-day delivery. I am still waiting for the refund. Today is XXXX XXXX! And this despite XXXX visits to the branch, XXXX or so letters to XXXX XXXX XXXX the XXXX and CEO of JP Morgan Chase, and many telephone calls. I was old by XXXX XXXX XXXX of the XXXX Office of JP Morgan Chase on XXXX XXXX that I would now receive the refund check in 7 to 10 business days. In other words, I will have waited well over 2 business week for the refund! Unacceptable business practice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: On XX/XX/XXXX I received a phone call from XXXX XXXX from XXXX XXXX XXXX XXXX regarding legal papers that would be sent to my home for my signature. She then proceeded to tell me that my XXXX XXXX XXXXXXXX would be affected because I defaulted on a payday loan. She also asked questions about my vehicle and whether or not I still owned it. 
I got the same phone call again on XX/XX/XXXX making the same threats.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (I do not know) with Credence Resource Management, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Have been called nearly 15 times by Credence Resource Management ( phone : XXXX ) with no attempt to leave a voicemail. I returned call and asked who they were, and they said they were not allowed to tell me without me giving me them my name and information first. I said that was not true and they were required to tell me if this was a chance to collect a debt or even simply what their business did before I gave them personal information. He kept saying " I will not. I will not. '' I said my stepfather works for a debt collection agency and I interned there so I know the rules and ethics. He said, " good for you, but I 'm not saying anything until you give me your name and address. '' Completely rude, unethical, illegal, and harassing as they have called nonstop without voicemail ( even a simple voicemail just disclosing a number and to call back )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with LAMONT HANLEY & ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Begin receiving emails and telephone calls from Lamont, Hanley and Associates Inc located at XXXX XXXX XXXX XXXX NH XXXX regarding XXXX XXXX ( XXXX XXXX XXXX XXXX ) overpayment that never happened. 

To be sure it was n't clerical error, I called and spoke to a representative of XXXX XXXX and was told they do n't have me on any delinquent account and report it as it may be fraud. 

I emailed XXXX XXXX, Account Manager and Department Supervior at Lamont, Hanley and Associates, Inc and asked where did she obtain the overpayment information. 

XXXX XXXX continued to send emails regarding payments and nothing else. 

I 'm sending a cease and desist letter so that Lamont, Hanley and Associates will stop harassing me. 

Appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (IA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had lost my job and informed care credit regarding it in a certified letter stating to stop calls. And I would take care of the bill once I got other things caught up. Yet I still get calls from them several times a day from them and any affiliation. I want to file a complaint against them for frequent calling after requesting a cease to it. They call several times a day, including within at least 2 to 3 calls in a few hour period. Also have tried calling my wife to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Bank account or service (Other bank product/service) with MB FINANCIAL, INC. (PA).
Issue: Account opening, closing, or management

Complaint: When I try to look at my payment history ( for my mortgage ) I receive a message that this data is not available. This has been going on for several weeks. When I call they offer to print one out and e-mail, but I tell them I want to view online and do not want to call them every time I need a schedule. The say they will investigate and get back to me but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Customer service / Customer relations

Complaint: Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2015 about Mortgage (FHA mortgage) with MORTGAGE 1 INCORPORATION (MI).
Issue: Settlement process and costs

Complaint: I was discriminated against for my XXXX by Mortgage One. Causing numerous delays in our mortgage processing and leaving us homeless for nearly a month! 
The discrimination and delay were due to them requesting that I provide them proof I would remain XXXX for the next 3 years, an action they are prohibited from doing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: O

n XX/XX/XXXX, I applied and was approved for Bank of America Business Fundamentals Checking Account. The offer attached to that account entitled : Receive a sign up bonus of {$200.00} when you open a new eligible small business checking account ( Business Advantage or Fundamentals ) with Bank of America and complete the following requirements : Make at least {$1000.00} in Qualifying Deposits into that new business checking account within sixty ( 60 ) days of account opening. On XX/XX/XXXX a deposit of {$1000.00} posted to this account. Few days later, Bank of America closed my account and sent me a check for the outstanding balance, they never disclosed the reason for closing my account. On XX/XX/XXXX, Bank of America sent me a letter stating the following : According to our records, the business checking account you opene
d online as part of our recent bonus offer, where you could earn {$200.00} is now closed. As a result, your account does n't qualify for this offer.

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