milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with AVANTE (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In response to the Equifax data breach, in XXXX XXXX I accessed the Equifax web site using the link on the US Government FTC web site ( www.equifaxsecurity2017.com ). I completed the form and submitted it to Equifax. The message I got back from Equifax was that they Believe my personal information has been impacted. 
I then signed up for their Trusted ID XXXX XXXX XXXX XXXX. I was told that I would receive an e-mail to confirm and complete my credit monitoring sign up, and to look for this e-mail, including in my junk or spam folders. 
Over a month has passed since I signed up and I have heard nothing back from Equifax or Trusted ID. No e-mail in any mailbox. I just wanted to let you know that this is how Equifax is treating individuals who they say have been impacted and signed up. 
Have you gotten other complaints about this and if so, do you have any feedback on how to proceed to get the free credit monitoring from Trusted ID in place?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RAYMOND JAMES BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have become the victim of banking bonanza.Since 2008 we have tried many times to modify our mortgage to no avail and it is in foreclosure status, it is in court and we are helpless as both the debt collector and court is not doing anything to resolve the issue as we are eager to reside and keep our property.Time is going on and our debts increase as the collector does not accept payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX  MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Fraud or scam

Complaint: while looking for employment I was approached via email XXXX for a XXXX XXXX Position. HR contacted me and passed this initial interview. I was then passed on to the HR trainer where 4 weeks of training would be conducted on line. XXXX 2 weeks I was learning policies, acronyms, processes, etc. and passing weekly tests. The XXXX week i was asked to purchased some equipment ( valued at {$7400.00} XXXX and send out of country to a new office being opened. Being careful throughout this whole process about identity theft, I provided no personal info, in fact the hiring company said a few times that no personal info was required untill I passed the 4 weeks of training and met the hiring manager for the final interview. So for the XXXX project I was issued XXXX that had an account # and routing # XXXX CHASE BANK XXXX with funds that were put into my name that were to be used to purchase the equipment. I was asked to use my personal CC at this time till I became full time employed. I transfered the funds from the account info provided into my personal CC and waited till the funds posted. Once posted a few days later I proceeded to purchase the requested equipment and ship out of country to the designated address. I was requested to use USPS priority international delivery. I was then asked to perform the exact same task a second time which is when I suspected something was n't right and asked a few more questions. At this time the response from XXXX XXXX was not acceptable and knew at this time something was wrong. I sent a final email declining the XXXX project / /purchase and also declined any employement with the company., I then proceeded to stop the shipment that was done earlier that morning with the USPS and was told that I was not able to stop it being it is an international shipment. I then contacted my credit card company " CHASE '' and explained the situation and was told the funds are OK and no issues. I have been checking my account daily to ensure no issues and on XXXX/XXXX/15, the posted amount of {$8000.00} was reversed from my credit card account. I do not understand how CHASE bank that the funds were transfered from did not know the account I was using to transfer funds does not have a check / balance process in place to review and detect scams like this. A phone call or text or something to the actual owner of the account. Besides the names being different on the accounts. Todays day and age with technology, banks should be able to detect scams like this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I got a Best Buy store credit card back in  XXXX , and recently, it has come to my attention that  Citibank  has been fraudulently and unlawfully enriching themselves by charging me monthly " debt protection '' fees under the name of  XXXX   XXXX   XXXX , and   XXXX   XXXX   XXXX   and other possible aliases they 've deceptively been using to swindle money from their consumers. I never agreed to or was aware of this fee. In  XXXX , the CFPB found  Citibank  guilty of this exact same claim. As a result  Citibank  had to pay millions of dollars in penalties/refunds to the customers of Citibank as well as to the bureau ; however, I was not  one  of those customers who received a refund. Since  XXXX ,  Citibank   (  Best Buy store credit card ) has been consistently charging monthly fees to my account. My most recent statement being from  XXXX   XXXX ,  XXXX  still continues to show this fee, in the amount of {$22.00} as " enhdebtprot ''. The attached documents show the fee dates back to  XXXX   XXXX . This is the earliest statement available to me on Best Buy 's credit site. I called  Citibank  Customer Service department on  XXXX   XXXX ,  XXXX  and asked for my statements dated before  XXXX   XXXX  ; although, they notified me, it would take up to a month to receive those. The past few years, I have opted for paperless statements, as well as singed up for an automatic payment plan, therefore, I do not have access to previous statements other than what is listed online.

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 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are inquiries on my account that do not belong there.

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 03-03-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX did not advised me this was attempt to collect a debt and also stated they would remove it off my credit report while they investigate it still remains on my report and the address that is on this account is a address i have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Late fee

Complaint: For the XXXX month in a row I was billed a late fee. I feel it is the banks falt and they have changed their rules to cause late fees. Chase no longer excepts online bill pay. I believe they have done this to save a penny end increase late fees etc. They will not email me will not email me when the bill is due, and they failed to send out the alerts as I signed up for, and failed to the research to see if they were sent. The bill was paid the day after the due date when I was notified, all bill are paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Settlement process and costs

Complaint: I obtained a mortgage loan from Wachovia Bank in 2008. This loan was transferred to Wells Fargo when they purchased Wachovia. In response to a complaint filed, I was recently sent all closing documents related to this loan. However, there were XXXX pages received that were not provided to me with other loan documents at time of closing. Upon review, I noted that the page with the initials are fraudulent, and the notary seal does not contain all the information required by the State of Mississippi. Requirements for Mississippi notary seals can be found at : XXXX ( See page XXXX, Rule 5.20 ) Considering other discrepancies previously identified in the original mortgage documents and the invalid notary seal, the loan should be deemed null and void

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 SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with  Santander  that beca me 30 days d elinquent in   XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from     XX/XX/XXXX  sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with  XXXX   XXXX   XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency (   XX/XX/XXXX  ) and the date of first delinquency reported (  XX/XX/XXXX  ) as required by the FCRA. I have attached a copy  of the updated credit report as well. This account should be removed from my credit report as it has reported negative information  for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

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 06/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problem adding money

Complaint: I use a app called  XXXX . Where I can pay myself early then it comes out of my check when I get paid again.  X/XX/2017    I was paid. It 's my bank, Bank of America that is the issue. They are not sending  XXXX  my recent transactions. I have already sent  XXXX  my timesheet, that was yesterday  XX/XX/XXXX   . Once I send them my time sheet then they let me take out {$100.00}. But for some reason Bank of America is not sending them my information in a timely manner, which is causing delay for my money being put into my 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 explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.

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 01/20/2017 about Consumer Loan (Installment loan) with Service Finance Holdings, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: We were over 30 days late making a payment on this loan account. The loan company reported this to the credit agencies ( as we would expect them to do. ) However, they have reported that our loan was a mortgage. It is not a mortgage loan, it is a non-secured installment loan for an HVAC unit. We have asked repetitively for the company to change this or give us a written statement that this is not a mortgage loan so we could have it changed, and they refuse. We paid to have this investigated by XXXX XXXX. These are the results we received. " The rescore/investigation for XXXX XXXX is now complete. RS ... XXXX XXXX IN INVESTIGATION XXXX WAS UNABLE TO SPEAK WITH A LIVE REP ' ... XXXX XXXX COMPLETE 'ACCOUNT CURRENTLY DISPLAING AS TYPE XXXX HOME IMPROV. INSTALLMENT LOAN AND NOT MORTGAGE ... XXXX XXXX COMPLETE ... XXXX XXXX ORDERED ( XXXX ) What this means is they were able to receive an update with the correct information from XXXX ( XXXX ) & XXXX ( XXXX ). They were not able to speak with someone from XXXX and have therefore opened an investigation that should be done within 30 days./The creditor responded to XXXX on XXXX and stated account currently displaying as type XXXX home improvement installment loan and the creditor responded to XXXX on XXXX stating account currently reporting correctly as a mortgage.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: One month delay in the payment in 2012 for the minimum of {$25.00} after or before every payment on time mail got missplace on a XXXX card

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 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I accepted an Experian offer for information about my credit score for {$1.00}. The offer came with a free 7-day membership in some sort of service, but I never agreed to receive or pay for any service other than the {$1.00} credit score report. I now see that Experian has been charging me {$23.00} per month. I never agreed to this charge. I received an email from Experian congratulating me on becoming a member, but with no disclosure of any fees or costs. ( See attached. ) Now, the Experian site will not allow me to log on with my credentials, and does not send me a temporary password or any other way to log on to cancel this fraudulent subscription that the company created in my name without my authorization. I have written Experian an email requesting them to cancel this fraudulent subscription.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via XXXX or XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 12/21/2017 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: Personal information incorrect

Complaint: There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

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 Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.

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