milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NV).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Comenity Bank keeps calling me repeatedly related to my credit card debt with them. On Saturday the XX/XX/XXXX, they called me 5 times, in a span of 5 hours. Today, on Monday XX/XX/XXXX they have called me 6 times. When I told them to stop contacting me and harassing me, they proceeded to start calling me from a blocked number. I am also on the Do Not Call Registry and one of the calls was made before XXXX. A woman named XXXX with Comenity bank is one of the agents that has called me several times after I have insisted that they stop harassing me. Below is my log of when I have been called by Comenity Bank most recently : Saturday., XX/XX/XXXX XXXX XXXX from XXXX Saturday.,  XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Sunday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from a blocked number

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

Complaint: On XXXX XXXX, XXXX, Equifax announced a cybersecurity incident impacting approximately 143 million U.S. consumers. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. 

On XXXX XXXX, XXXX, I used the https : //www.equifaxsecurity2017.comXXXX website to check my impact. I received the following information : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As of today XXXX XXXX, XXXX, I have not been able to get any further information from Equifax about the status of my credit, whether my information is secure, how it was released, why I was not informed earlier, or why I am not able to get credit monitoring immediately ( see below ). 

Although Equifax is offering credit monitoring, they have not yet allowed me access. Creating a further problem for me and my credit, Equifax is covering the credit monitoring for only one year. Malicious parties who stole my information can sell this information on black markets and simply wait one year to begin exploiting my data to steal my identity and illegally get credit in my name. 

Equifax did not secure my information with appropriate best-standard practices. My credit and financial life are now at risk and very vulnerable to fraud. Equifax did not properly disclose this breach to me. I learned about it on the news rather than directly - they have my contact information therefore should have notified me directly as their customer. Additionally Equifax has failed to provide sufficient information or protection for me and my credit/financial data. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: In my previous complaint XXXX. Equifax stated they reviewed my complaint and its records regarding my dispute. They responded the disputed inquiries XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX are currently not reporting on my Equifax credit file. Written confirmation was to been mailed to me. XXXX XXXX XXXX, XXXX I checked my credit report and the inquiries are still reporting. I called Equifax and was told they would n't be removing the inquiries. I was also blocked from accessing my report online through their website/

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.

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 10/27/2016 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a home loan with chase bank that I had on auto payments. I was un aware that chase bank sold My loan. And I was not aware of the change and was not notified chase sent the payment to XXXX XXXX XXXX for awhile then they sent the payment back to me and I sent it to them and that is way it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 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 had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONRAD CREDIT CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My husband and I signed up for a campground membership at XXXX XXXX XXXX in XXXX MI in 2008. We used it for 2 years and found it was not what they promoted it to be. The sister parks did not want to honor our memberships and we were not happy with the quality of the parks around the country we visited. They were not the quality we were sold. We contacted them by letter and repeated phone messages that I had come down with XXXX. We live 4 hours away. We wanted to cancel. I have continued to send them letters and try to call- they never call me back and now I find the numbers are disconnected. I have just tried to get a loan and have found they have put in for collection for the annual membership fees for the past years since I sent them the letter. I need help! We can not find anyone to contact and resolve this. Membership fees are voluntary. We paid the initial cost in full. How do we get out of this?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX a fraudulent check was deposited into my account through an ATM. On XX/XX/XXXX, XXXX withdrawls were made totaling {$1200.00} at the same time the check was deposited followed by a debit transaction for {$4700.00} made on XX/XX/XXXX. I filed a claim against these amounts and the fraudulent check. Subsequently I have had 2 claims denied, not been able to get in contact with the representative XXXX despite repeated messages and calling almost once a day. The claim was denied because he said that I gave out my PIN even though I did not, and let him know I had nothing to do with this and did not give out my PIN. I call Citibank almost every three days and they are unable to give me any information or help. The fraudulent check was for {$8900.00}. The bank did not contact me to verify, or even place the check on even a 24 hour hold nor does the signature remotely match my own. Had they not cashed this fake check without even the slightest due diligence these transactions would not have been able to occur. I tried to close the account the next week and was falsely told that I would not be able to. Subsequently my pay check and tax refund check were used in order to cover the loss. I have filed a police report which the XXXX police department said would take 3 weeks before I have a written report ( # XXXX ) Citibank has not been helpful at all in anyway. I am on my third dispute trying the receive the same money credited to my account and still unable to contact XXXX. I even called the Citibank fraud department and had the lady on the line try to reach XXXX, he did not answer her calls either. My first complaint was filed on XX/XX/XXXX, the second was filed XX/XX/XXXX and the third complaint was placed on XX/XX/XXXX, almost a month after the initial fraud occurred. I told every one whom I spoke with at Citi that I would fully help in prosecuting the culprits however Citi notified me that they would not even be checking the cameras to assist. I have done everything possible to help Citibank and all they have done is run me in circles and taken good money from me in order to cover the bad money they let go.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: These items appear on my credit report. Theses items were discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.     ALL ITEMS WERE DISCHARGED IN Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loa n ) IQ DATA INTERNATIONAL IN (  Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The so called " DYNAMIC RECOVERY SOLUTIONS '' Claims to be a debt collector, and claimed that I owe XXXX XXXX an unpaid amount of {$570.00}. This was a major surprise because I only purchase prepaid services from XXXX. Therefore I called the " Dynamic recovery solution '' and asked them about the statement I got from them. They claimed that the debt was for an unpaid bill dated 2010, and that a XXXX service was connected to an address and the final bill was not paid so the amount accumulated to what it is now. When I asked about the particular address to which XXXX service was connected the response was that they will provide a report in a month time which will show the address. It 's been four months by now and no report have been sent so far. On the phone I explained to them that I did n't have any physical address at all in 2010, and that I only purchase prepaid services from XXXX. After my explanation they asked for police report. But I also took their debt claim to XXXX of the XXXX retailers, and their first response was that that is a hoax. A XXXX representative, XXXX XXXX, found out that the account that the debt collector claimed to be mine did not even exist. Therefore, given the facts about this case and the debt collectors persistence to pursue this debt it should be clear that the debt collector is a scam and no more than that. Please take legal action against them to put them out of business for good because when I XXXX their name there were many other people that identified them with a scam. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.

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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but   XXXX   will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Protection Association, L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX  and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please help.

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 01/25/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: New information based on CFPB XXXX. We sent out a debt validation letter on this loan ending in XXXX. This is the information they sent back. Debt was not validated and they are still collecting the debt.

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 11-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this debt with all the credit bureaus as well as multiple direct disputes to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my family members to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with Credit Financial Services, lnc (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My family members keep receiving voicemails from XXXX which when I call they say they are " CFS '' located XXXX. I have looked into CFS and located Credit Financial Services located XXXX. When speaking with the company, they would not give me anymore identifying information and then hung up on me. I have attached a copy of the voicemail for your review, how is this right that they can keep leaving these messages? I have had the same phone number for 8 years and they are not calling me. Further, I have checked and there are no suits filed against me so I 'm not sure what " formal complaint '' they are referring to. What can I do about this harassment? They have called my father, and sisters numerous times and this is causing a family argument because they think I am in some sort of trouble. Any assistance would be helpful.

Company response to consumer: Untimely response
Consumer complaint received 02-04-2016 about Debt collection (Credit card) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I get a call from XXXX telling me that I am being served at home or work. I called the number and spoke to XXXX . XXXX who said I was being taken to court before I was even told who I owed. After he told me it was 5/3 Bank he asked my intentions and I told him this was paid a couple of years ago. He told me it was n't and he 'll see me in court. I asked if this call is recorded and wanted to know the name of the company. He wanted to know why and I said because I 'm going to file a complaint and sue them also. He said I could n't afford to sue them or I would have paid the credit card. I reminded him that the card was paid and I will follow through. He refused to give me the company name. I called back several times and got someone there to tell me the name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation