milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with Hauge Associates, Inc. (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This agency calls me on my cell phone and home phone, XXXX of which are unlisted numbers, at all hours. The person calling does NOT identify himself as a debt collector, or even say who is with. He attempts to get personal information form me, and other members of my household. He calls from XXXX XXXX XXXX and I only know it 's a debt collector from searching the number online. I have my home and auto loans thru a local credit union, and I have only XXXX Credit card which is fairly new and never been in arrears. This company uses many illegal tactics and should be stopped. 
Hauge Associates , Inc . 
P.O. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXhttp : //www.haugeassociates.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I disagree with citibanks decision to decide the Case ID : XXXX in merchants favor and will further seek help regarding this case. The items I received is totally different then what was originally ordered. I made 3 documented attempts to contact merchants customer service and they never responded how to return it or how to proceed with further action so I had to file a dispute with citi bank and they decided it on merchants favor without investigating what was wrong with merchnadises I want to come to fair resolution in this case

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$900.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit determination

Complaint: See just filed charge against XXXX for same reason - rejected credit by Chase Bank on XX/XX/XXXX, per CFPB Case # XXXX, Reference Number XXXX, XX/XX/XXXX, Chase Bank USA , N.A . and parallel charge XXXX application No. XXXX, XX/XX/XXXX. XXXX and 15 U.S.C. 1693 unclear and individual consumer rights failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Mortgage debt) with SUNTRUST BANKS, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XX/XX/XXXX Audit Charge-off ( uncollectible debt ) with Virginia Department Housing Authority in the amount of {$1.00} XXXX dollars for property address XXXX XXXX XXXX, XXXX, VA XXXX with an appraisal value of {$110000.00}. Please reference IRS Valuation Form 843 for debt in the amount of {$64000.00} ( XX/XX/XXXX to XX/XX/XXXX ) dated XX/XX/XXXX. No escrow is due to debtor XXXX XXXX XXXX. Unpaid property taxes since XX/XX/XXXX per IRS tax lien document received on XX/XX/XXXX with an expiration date of XX/XX/XXXX due to property abandonment. Charge-off ( uncollectible debt ) with sold boutique at XXXX XXXX XXXX in the amount of {$400000.00} on behalf of Suntrust, XXXX XXXX XXXX, the OCC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09-11-2017 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: First off, I would like to say I do n't every recalling Equifax ( or the other two credit report businesses ) my permission to obtain, retain, and use my information for profit. Secondly, Equifax was negligent is protecting my personal information from people wishing to steal my personal information for their own personal gain and to my detriment.
Equifax ' data breach has forever affected my life - has added unwanted daily worry and concern that the credit rating I have earned by being an outstanding borrower can be tarnished in mere moments anytime someone wants to use my personal information.
I did not ask for this. I did not sign up for this. Equifax allowed this to happen to me, as well as over 100+ million other individuals. They have made no offer to fix this and instead want you to sign up for some credit watching service - free for only 1 year!!!! The rest of my life is affected, and they offer 1 year only. This is shameful and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Closing/Cancelling account

Complaint: I closed my account with Bank of America Master Card in the summer of 2015. 
However I just received a statement from BoA with a new charge to my account. 
I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing 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 09/20/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I received a student loan from Discover. I was notified that my bill was due in mid-XXXX and I told them I would be unable to pay until the end of XXXX, at which time I would also cover XXXX 's bill. They seemed understanding until I started receiving multiple daily calls from them. I called back, reiterating my previous statement of being unable to pay for a month. The calls are relentless and at this point I have received over 100 phone calls in less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is reporting false information and is not responding to lawful request to investigate : Navient did n't respond to my direct certified mail complaint ( signed recieved XXXX/XXXX/16 ) of reporting false information on my credit reports. Navient did n't record my dispute in my Navient account or notify credit bureaus of the dispute. Navient never notified me of negative information at any point. When first contacting Navient by phone, Navient admitted having no record of notifying me of anything when I informed them my Federal Student Loan had been in deferral at the time they are reporting me as delinquent. On that call, they did admit the records were very old and incomplete. They said I 'd have to send them a written dispute via US Mail, which I did as refereed to above. Note : I had disputed this first with all XXXX major credit bureaus and found that the false info came back as " Verified '' by Navient. I then emailed and called Navient for help and then ultimately ended up sending the dispute by US mail per their insistence that the phone call and email disputes would not be accepted by them. It is now XXXX/XXXX/16, I have not heard from Navient and the credit bureaus have again " verified '' the false information with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have American Financial Resources Inc ( AFR ). as the mortgage company, with XXXX as the servicing company. The company charged a late fee based on when the check cleared my bank. The payment is due by the XXXX of the month and was received by the bank on the XXXX. It cleared the bank on XX/XX/2015. I called and spoke to the AFR and they credited me the late fee. My regular payment is {$1700.00}. I made the payment due as indicated on the XX/XX/XXXX statement of {$1800.00} ( {$1700.00} + XXXX for late payment ). In XX/XX/XXXX the amount due was {$1600.00} per the statement which reflected the late payment credit for {$62.00}. I sent a Payment of {$1600.00}. Now in XX/XX/XXXX, AFR charged me a late fee of {$64.00} for paying the statement balance of {$1600.00} in place of the regular payment of {$1700.00}!!! I paid what the statement showed as payment due and I got charged another late fee for not sending in the regular payment. 

My Complaint : 1. Per the AFR XXXX XXXX supervisor ( XXXX XXXX ), they will charge me late fee based on when the check is cashed by them and not when the payment is due. SO if my payment is received by them on XX/XX/XXXX and clears my bank on XX/XX/XXXX, they will charge me a late fee because the cleared on XX/XX/XXXX. This is a violation of the terms of contract which state the payment receipt is due by XX/XX/XXXX. 

2. For making the payment as stated on the statement as minimum payment due, AFR charged a late fee stating the charge is due to me not sending the regular payment due. I paid what the statement asked for and still got charged a late fee for sending partial payment!! 

American Financial Resources and XXXX are making their own rules and charging fees that are not legal. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a request for information to Select Portfolio Servicing ( SPS ) on XXXX XXXX, 2016 related to their assertion that they are authorized to service an alleged loan on my home. SPS did not answer all of the questions despite having requested this information XXXX previous times. This is be my forth time asking SPS for complete answers to a complete Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 filed a dispute with  XXXX ,  XXXX , and Equifax in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US bankruptcy court. I sent a letter to the US Bankruptcy court o n  XXXX   XXXX ,  2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work w ith the bureaus directly. I Then sent a letter to   XXXX    XXXX , and Equifax on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX ,  XXXX , and Equifax with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and th ey told me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 've tried to get this account remove from my credit report on numerous occasions. I do not owe XXXX XXXX XXXX any money and this account need to be remove from my credit file. I have asked this credit reporting company to investigate this account and have it removed because they are allowing XXXX XXXX XXXX report inaccurate information. XXXX XXXX XXXX is trying to make money off of me for no reason and I owe them nothing they are a debt buying company and I 've asked for proof showing I owe this debt and also a debt validation/debt verification and also a copy of a lease showing I owe {$780.00} in which I owe {$0.00}. Please have this company remove this account from my credit file asap. This XXXX XXXX XXXX account is listed as a collection account with Experian please remove from my credit 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 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. 

They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. 

Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: In XXXX XXXX, XXXX XXXX filed a mortgage foreclosure action in the Circuit Court of XXXX County, Florida. XXXX sold the Note and Mortgage to Nationstar Mortgage , LLC. XX/XX/XXXX, It was negotiated that I give XXXX a Deed in Lieu of Foreclosure. See attached. The deed was never recorded in the Public Records. Litigation went on in the case. In XX/XX/XXXX, Nationstar Mortgage , LLC and I entered into an agreement that Nationstar acknowledged that a Deed in Lieu was given in XX/XX/XXXX and that they would pay me {$7500.00} upon a XXXX being sent to them, Nationstar would record the Deed and give information to the XXXX credit bureaus that a Deed was given in XX/XX/XXXX. Nationstar did pay me, they did dismiss the suit in XXXX County, Florida but they never recorded the Deed nor did they sent information to the XXXX credit bureaus that this account had been satisfied. I desire that Nationstar Mortgage LLC own up to its part of the agreement by recording the Deed and send information to the XXXX credit bureaus that this account has been satisfied.

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. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Equifax was hacked. They have a tool to check if you were included, which is nearly every adult in the US.  Instead of telling you if you were hacked they auto-sign you up for their TrustedID Premier service. So not only is my information insecure, they use this moment of panic to both market to me and continue to perform a bait and switch without my consent. This is disgusting. 

Here is the text of their warning on their website. It says " OR '' but never provides an option to sign up, while never sharing if hacked : Equifax Cybersecurity Incident : To learn more about the cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here And here is the text you are provided when submitting to see if you have been compromised. You are forced to use their service : Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Citizens Bank sent me a new debit card for my checking account indicating there was an issue with the card. They never identified the issue but I am assuming it was a security breach. I received the card and activated it but it did not work. I went to the branch in XXXX XXXX XXXX on XXXX XXXX to get this remedied. They claimed to have fixed the problem and I gave the card to my husband to leave town for XXXX  with my children. He got to XXXX and the card did not work. HE HAD NO ACCESS TO OUR MONEY. I called the XXXX number XXXX XXXX and spent 30 minutes on the phone and was told the issue was fixed. He again tried to use the card and it did not work. I called the XXXX number on XXXX XXXX and spent 1 hour on the phone to get the issue remedied and was again told they had fixed it. My husband tried the card again and the again the card did not work. I called the XXXX number again on XXXX XXXX and spent another hour on the phone and was told they were sending me a new card by overnight mail. At this point my husband had to borrow money from a friend because he could not access our account that had over {$40000.00} in it. It is now Tuesday, XXXX XXXX and the card has not arrived despite assurances that I would have the card by Friday XXXX XXXX. I am again speaking to Customer Service and they are telling me the card has not been SENT!!! I am incredulous and can not believe that I do not have the card. I am now being told that their own fraud department continues to stop the card from being sent to me. The card was placed on fraud hold 4 times last week despite my calling each time and giving them every bit of information asked for. They can not explain why there fraud keeps stopping the card. This is an absolute abomination. I still have no card and no assurance that I will get a card anytime soon.

Company response to consumer: Closed with explanation