milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN.

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 09-09-2017 about Debt collection (Medical debt) with Dobberstein Law Firm, LLC (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I honestly do n't know who is worse, this shady/crooked " law firm '', or the medical group that hired these XXXX. My wife, who was off of work due to a high-risk XXXX, while I myself was XXXX, had to have an emergency XXXX due to complications with labor. After the emergency XXXX, she got an XXXX, which made her be off from work even longer than expected, a total of 12+ weeks. Even with short term XXXX ( 60 % of pay ), with a family of four, with a house and other expenses, the medical group sent her/our account to these XXXX for collections, a mere 4 months after the procedure. Do the math, that put her back to work for one month, when the medical group and these bullies, collaborated to bring a suit against her. We never heard anything from this firm of XXXX, until I happened to be browsing our State 's court system website, checking on another matter, that I came upon the case opened. We dug through our stack of bills that we struggled to pay as we could, and I came across the bill for the medical group. I immediately went online to their bill payment system, and even though we did n't have the money really, pad the bill in full, per the amount showing on her account number. I contacted the medical group, and then called this firm to speak to the attorney who opened the case, XXXX XXXX. Instead of having enough fortitude to speak to me directly, she hid in her office, and I had to deal with some bargain basement paralegal, who copped an attitude with me, telling me that we owed an additional {$160.00}. I told her that we settled the bill, and since the case had n't actually been in front of a judge, that we were not paying for any court fees, etc., and that if she/they had a problem with it, to contact the medical group, whose bill was PAID IN FULL. She gave me all the attitude of a spoiled little, daddy 's girl, debutante, that I could handle, and I finally just hung up on her. Fast forward a month later, and these XXXX seriously went to the trouble and effort of opening a case for that additional {$160.00}, which we were not aware of at all, until a judgement had already been made, making it impossible for our side of the story to be heard in open court. It is people of such low morals, with their elitist, bourgeoisie enabling mentality, that fight for the already rich, to take from the poor, to make the rich ( themselves included ), even richer. Preying on working class families, and potentially taking food out of the mouths of small children. 

If you own a business, do not do yourself the disservice of hiring people like this. In one case, you 're only out money for an unspecified amount of time, and in the other, you have sold your soul to the XXXX, or some other form of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There has been continous fraudulent activity to the point that Bank of AmericaXXXX has attempted and fraudulent and illegal sale of property that does not belong to them. The bank has no lawful or legal consideration. I have requested repeatedly for Bank of America to provide proof of claim and they have yet to provide but utilized XXXX XXXX to allegedly sell property at an XXXX XXXX. Receive letters stating the secured /trusted property was sold ( illegally ) and ( Fraudulently ) to another company however, just received something in mail stating that property was allegedly sold to someone by the name of XXXX XXXX . 

I'm requesting all documentation pertaining to illegal sell of property to include all previously requested information pursuant to RESPA Request etc.

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 01/22/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Payoff process

Complaint: Used credit card to make purchases. Paid full amount of purchases before end of billing cycle also paid minimum monthly due in addition to paying off new purchases. They applied my minimum monthly payment to zero interest balance. Said they applied above and beyond payment of minimum amount to new purchases. Yet 2 months in a row they charged me interest on purchase 's that had been payed in full and then some. Example I made {$440.00} dollars in purchases and paid {$550.00} which included the {$55.00} minimum payment. Yet the show I have balance with interest of 17.99 % in amount of new purchases accumlated on card. They claim over and above minimum goes to pay the higher interest rate on new purchases yet instead increase the balance at 17.99 % which should be XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Rewards

Complaint: Hi! My name is XXXX XXXX. I got a British Airway visa card in XXXX, XXXX. When I opened my account, I thought I would get a travel together ticket if I spent more than USD XXXX within a year. And I have already spent more than USD XXXX now. But I did n't receive my travel together voucher, so I checked the website and found out that the requirement was within a " calendar year '' instead of " a year ''. But I opened my card in XX/XX/XXXX, there were only less than three months left in XXXX. And I spent more than USD XXXX before XXXX XXXX, XXXX. I think it was very close to the requirement, USD XXXX. 
So I think the rule is very unfair for a new user. Like me, just because I opened my card in XX/XX/XXXX, I lost my deserved reward from spending more than USD XXXX in less than 3 months. If I opened my card in XX/XX/XXXX, absolutely I would be qualified to get the voucher. Also, the other thing I want to address is the rules are very confusing. There are XXXX types of rewards. XXXX is open card bonus, the other is travel together ticket. For open card bonus, the requirement is " within your first year '', however, the requirement for the travel together ticket is " in a calendar year ''. I believe it is misleading and trying to confuse customers. 
Thank you for your time and help. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with Evans Law Associates, P.C. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 'm receiving calls from Evans & Associates claiming to be a law firm trying to collect on a debt. They have NEVER sent me any postal mail communications. I do not owe them anything and they are not an original debtor. They have called my entire family and continue to harass me daily. They 've called from several numbers : XXXX, XXXX & XXXX. 

They also sometimes call and do not identify themselves, they use a voice scrambler so you ca n't tell what they really sound like, and they never say what company they are trying to collect a debt for or who this claim is being made by. 

I have never done any business with this company and owe them nothing.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/XXXX - attempted to place credit freeze on experian account. Received a reply to provide information to verify identity. XX/XX/XXXX - attempted to upload ( XXXX ) the information that they requested, and there system will not accept the information. I have frozen my report with XXXX and XXXX XXXX with out any problems This company is very difficult to deal with, and you cant talk to anyone

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 01-11-2017 about Debt collection (Payday loan) with Integrated Recovery Services (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I received a misleading email making it seem like my account was overdue and they offered special programs including taking my tax refund to cover a payment/partial payment. In the email it includes this line underlined and in italics " If you 're getting a tax refund, put those funds to good use - bring your account current to stop the late fees and collection calls. '' My payment is due XX/XX/XXXX. I received this predatory and misleading email today, XX/XX/XXXX. My account is not overdue, but the red highlighted " alerts '' and request for my tax refund were still sent to me? Not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has harassed me with calls over the course of a year to collect a fraudulent {$16.00} debt to XXXX. The debt does n't exist. I just called XXXX to make sure. In XXXX the company, I discovered lawsuits against them for exactly this thing that I 'm complaining about -- fraudulent claims that they are calling to collect small debts owed to XXXX.

Company response to consumer: Closed
Consumer complaint received 09-12-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: About three weeks ago, I went to a wells fargo bank in XXXX to open a new checking account besides the one I already have. I did that. I was told that the account has been created successfully, and I should be receiving a new card within 7-10 business days. It 's been more than 20 days, and nothing is received. I am not even worried. I happened to go to the branch the other day, and check on the status of the card. I was told that I had to provide further information, namely, ( Apt number ), which I then did. Next, the banker told me that your card will be mailed out to you soon. So far, no stress and everything is cool. I walk out, and next day, which is literally this day ( Friday ) I try to buy some food using my debit card, but could n't. Debit Card was never accepted by all machines. Things started to get weird! I then tried to get some cash via an ATM, however, it kept declining the transactions. I then went straight to the closest bank branch, which is at the University XXXX. I was trying to explain what 's going on, and understand the problem, yet bankers -including the manager- were being too unhelpful. I told them that I could n't use my debit card, and .. so forth and that it keeps getting declined, so they asked for an Id. I showed them my University ID, as well as an international valid driving license. They did n't however bother to check onto my account, and yet insisted to see my passport, which I obviously did n't have at that point, nor was I able to go get either. I was frustrated because I was not even able to afford for a taxi to take me back home, so that I can get my passport and fix the issue. I never held cash on me. I felt condescended. I got disappointed, and walked out. I tried to call the bank thinking they my be of a help. Lucky I was, at least was informed what the problem was, which totally ended up being unpleasant. After verifying of my identity, they told me that my debit card has been deactivated. And the reason is because another card will have been mailed to you. My answer was Seriously?? It just does n't make no sense to deactivate all my working debit cards ( XXXX ) because you are sending me another one for another checking that has not even been received, and without any temporary cards! Simply, I have been blocked out of my accounts. I was no longer able to get any money out of my money just because of that! I could n't use the card, and I could n't do anything else. Apparently, on an email I received from WELLS FARGO the other day saying that my, supposedly, previous card will not be deactivated until the XXXX/XXXX/15 which completely disagrees with all the actions taken. They deactivated XXXX working cards that are, nonetheless, associated with a different checking account. It 's too frustrating to see carelessness prevents you from using your own property and own money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I noticed that somebody most likely my Brother, XXXX has been trying or it may be possible that he has used my name!! Whom ever is using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have never been there in my life, my brother XXXX lives there, I was told that he also used my nephew XXXX 's name to make fraudulent charges in the past!! Whom ever has also been using the name, XXXX XXXX, my phone number is XXXX, cellphone, home XXXX XXXX, Thank you!! Please prosecute!!! XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Credit line increase/decrease

Complaint: I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.

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 06/22/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CO).
Issue: Trouble during payment process

Complaint: because of the mismanagement of funds by XXXX XXXX XXXX XXXX we were required to file bankruptcy ( chap XXXX ) in XXXX to save our home.on XXXX/XXXX/XXXX the bankruptcy was finished and cleared. during the bankruptcy our mortgage was transferred to shellpoint mortgage servicing co. immediately after the bankruptcy was finished ( XXXX/XXXX/XXXX ) shellpoint served us with a " notice of default and intent to accelerate '' in an attempt to collect {$19000.00} which they said was was still owed. we hired an attorney XXXX XXXX XXXX, and after almost a year shellpoint admitted that we were actually current and did not owe these sums. in the meantime they have reported us 3 months late on payments causing our credit to plummet a XXXX points.further they were paying our property taxes even though they were collecting escrow for them. in an attempt to get away from them we tried to refi our mortgage with XXXX XXXX XXXX but because of the poor credit score the rate was no different than with them so this is costing us approximately {$800.00} a month in extra money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Suntrust Mortgage claims my escrow account is too low due to an increase in both my property taxes, and home owners insurance. They are asking for more money each month. 
I investigated their claims, and they are false. I believe Suntrust Mortgage is practicing fraudulent and unfair business relations. An Internet search revealed similar claims to mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please be advised that I see no other recourse but to file a complaint against XXXX XXXX Bank XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least XXXX times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, XXXX states an XXXX XXXX deletion date and Experian states a XXXX XXXX deletion date. In essence, XXXX XXXX XXXX XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX Bank XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

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