milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On Friday XX/XX/XXXX I was attempting to make a purchase at the XXXX XXXX XXXX XXXX XXXX department in XXXX XXXX, XXXX XXXX. I swiped my card and was told that the transaction did n't go through because the fraud department had put a block on my card. 
No explanation was given, the clerk in the department had my passport, and my XXXX XXXX card, I was allowed to talk to fraud department. I explained to them that I had made many around 25 purchases, as some purchases had to be done separately to get credit or additional percent off. 
The supervisor of the department asked if they could send me a text to my cell phone. I reluctantly agreed and was then told since I have phone service through XXXX, they could n't send me a text because they could n't verify me. I do n't pay a monthly bill and the phone is a smartphone, just I buy blocks of time as needed. 
So the issue was never resolved. On Saturday XX/XX/XXXX I received a letter in the mail from XXXX XXXX Fraud Prevention, claiming that I needed to call them right away because they had been trying to reach me but were unsuccessful. I called the number sat on hold, and then someone picked up the phone and hung up. It was at that exact time as the department had just closed. 
Today XX/XX/XXXX i called and asked for a supervisor, I talked to XXXX. Well frankly I yelled and swore at her. I had entered my information into the automated system, with the specific phone number XXXX which is for the Cardholder Protection Department. I was told that the information I enter on the phone does no t get passed through to the agent or supervisor if one is needed. SO WHY AM I ENTERING THIS INFO IF IT DOES N'T GET PASSED THROUGH. 
I had to give XXXX all this information to verify who I was, I was still not able to get my account unblocked. We went through the same XXXX about getting a text to my phone. I CAN GET TEXTS, THEY ( XXXX 'S FRAUD DEPARTMENT ) CA N'T SEND ME A TEXT BECUASE THEY CA N'T VERIFY MY NAME ON THE PHONE OR SOME XXXX LIKE THAT. 
So XXXX asked me questions from available public records and I passed the security questions that I should have been able to do at the store on XX/XX/XXXX but, hey maybe they wanted to go home and did n't want to ask questions. Who knows. 
but they finally unblocked my card. 
XXXX, kept on saying that she understood how frustrating this must be and that they wanted me to use my card. However, they were not protecting me, and why would I want to use a card that caused me so much trouble. Would you want to use a card from any business if they unceremoniously blocked your 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 10-07-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (ND).
Issue: Deposits and withdrawals

Complaint: I use Wells Fargo company strictly as a reserve banking institution, because all of my everyday spending and drafting from companies come out of XXXX XXXX XXXX Accounts. For a majority of my history with them all I do is deposit funds with the hopes it will stay out of sight out of mind and build up for my families future. I had a checking account only, but signed up a month ago for a savings account and was supposed to get a XXXX bonus for that. So far no credits. Over the last month I have put a large amount of money in this savings account ( only making deposits ) and Yesterday XXXX/XXXX/2016 I noticed my balance was lower than expected. When going back to check this online I found a XXXX XXXX was taken out of my savings account ( XXXX ) in the amount of XXXX posted on XXXX/XXXX/2016 but apparently performed XXXX/XXXX/2016. 
Through horrible service I was disconnected multiple times and routed from one group to another who kept saying I had to go to Merchant Services, and when I spoke with them they would n't even talk to me since I was n't a business. I finally got someone to say they would file a claim however I find it very disturbing that money can be taken out of my account without my permission. 
From my understanding someone must have gotten into my account when I was logged into an unsecure business, and according to one rep someone named XXXX was put on the account as an Authorized user???? How can this happen that Wells Fargo can allow this without Authentication and my signature to allow someone to be on my account. They definitely used enough security demanding me 17 times to prove who I was trying to dispute this, why not when protecting my money. That to me is a breach of customer privacy and protection. I would like someone to please assist me in returning these funds to me.

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 10/20/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After failing to resolve the issue by an online dispute, I tried to call Equifax to correct inaccuracies in my credit report. The first XXXX CRs I spoke to could barely speak XXXX and kept repeating the same line " upon checking ... '' without addressing my questions. Between them, I was also put on hold for long long times. Finally, I got connected to a supervisor named XXXX XXXX. She, throughout the conversation, refused to answer my questions in a straightforward way. Worse, she refused to answer my questions by misinterpreting them. She spoke like a politician, using languages like " can not answer a hypothetical question '', etc. I was so fed up that I asked for her identification. She got upset and hang up the call without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Problem with the payoff process at the end of the loan

Complaint: This complaint is in relation to my previous complaint against the same company. My previous complaint # is  XXXX .  One Main Financial was supposed to mail me my original loan documents to prove that I signed an agreement stating that only one of the two borrower 's signatures are required to complete loan modifications. I have yet to receive those documents nearly 60 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (FHA mortgage) with MLD MORTGAGE INC (GA).
Issue: Application, originator, mortgage broker

Complaint: I was approved for an FHA loan by MLD MORTGAGE but denied again because the process XXXX XXXX was looking for information from my significant other whos not on loan. He did not have information to give to him and he did n't want to supply the information because he felt that the mortgage was not his and he was not his client. XXXX kept giving me the run around and he made personal coments about my significant other. XXXX and his processer XXXX XXXX said they would let me know by a certain day but dif not. Myself and my agent reached out to both of them with no response. I decided to switch to another company before my contract deadline. To satisfy XXXX ego he would not respond to any emails or phone calls from the new company to transfer my paid apraisal. Finally after days of emails every one who wanted information from me before he answered saying he will transfer the appraisal. XXXX never shared information with me on why they denied my loan but instead decided to share sensitive personal information to the new company saying that I have a foreclosure which is not true. XXXX is unproffesional and he lied. I need this company to provide proof of my foreclosure to myself and FHA. XXXX went out of his way to email the new company but failed to communicate to me. XXXX could not close the loan but would not let me go anywhere else to close it. So he decided to blackball me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I keep getting calls from Enhanced Recovery Company even after I spoke to them and told them to stop calling me and that they are in violation for putting a debt that 's over seven years old on my credit report. I disputed it with XXXX in which they stated that there was n't an entry from Enhanced Recovery Company on  my report. Yet I see it on my report. Enhanced Recovery Company bought the debt and put it back on my report in XX/XX/XXXX showing an estimated month and year removal of XX/XX/XXXX. This debt is past the statue of limitation and I want them to remove it or I will be looking in filing a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: i am not delinquent on anything at nationstar. nationstar added this document to my account and it feels like they are XXXX with me again now in a different fashion. i do n't know what to make of this document. i pay my full mortgage payment each month and i have no clue how i can be delinquent on anything in my account from nationstar. it seems like every time i think my account is settled and going good nationstar gets sneaky and extorts more and more money out of me. nationstar is full of scammers! what does this document mean????

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: SPS still has yet to respond to my Qualified Written RESPA Request sent via Certified Mail. In their recent response to me via the CFPB they claim that they sent the note and deed of trust. 
The PDF file contains a SECURITY INSTRUMENT signed by XXXX XXXX on XXXX/XXXX/XXXX related to XXXX XXXX XXXX XXXXXXXX XXXX. They lied again. Where is MY monetary instrument. 
Why did SPS attempt to collect payments and pursue foreclosure when XXXX clearly shows that pon XXXX/XXXX/XXXX the note was transferred to XXXX XXXX XXXX? 

XXXX Note XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX Note XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN REGARDS TO : SANTANDER XXXX XXXX XXXX. BOX XXXX XXXX XXXX TEXAS XXXX. I REQUESTED A DEBT VERIFICATION AND VALIDATION WITH PROOF OF ORIGINAL CONTRACT BEARING MY SIGNATURE THROUGH CERTIFIED XXXX DELIVERED ON XXXX/XXXX/XXXX SIGNED BY AGENT XXXX XXXX. TODAY WHILE CHECKING MY MAIL I RECEIVED A LETTER OF VALIDATION WITH MY NAME AND SOMEONE ELSES INFORMATION IN THE STATE OF OHIO. I ASLO RECEIVED MY XXXX AND XXXX REPORT WITH INACCURATE REPORTING ON MY REPORT. XXXX TRULY FEARFUL THAT MY INFORMATION MAY HAVE BEEN COMPROMISED AND SANTANDER HAS DONE NOTHING TO RECTIFY THE PROBLEM. NONE OF THE PAPERWORK THEY SENT VERIFIED THE DEBT WAS MINES BUT THEY HAVE IT UNDER MY NAME AND SOCIAL SECURITY NUMBER. THERE REPORTING REMAINS ON MY CREDIT REPORTS AND I NEED HELP IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Early XXXX, California, XXXX debt for {$1800.00}. Was not paid. Unemployed. Unable to pay debt. Debt was discharged by XXXX 

In XXXX, XXXX - XXXX years after discharge of debt, and well past the XXXX years statute of limitations in California, Commonwealth Financial Systems ( a junk debt buyer ) collection agency, placed a record on my credit reports ( all XXXX ) stating that as of XXXX XXXX, I owed them {$1800.00} for an XXXX debt. Well this debt was discharged in XXXX. 

Why the XXXX am I being hounded by this scam junk debt buyer firm. My credit score has dropped XXXX points because of these XXXX. And, the debt was discharged in XXXX. Why am I being hounded by scammers in XXXX. 

CFPB - these junk debt buyers should be banned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Phoenix Financial Services LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I requested this company provide me with sufficient documentation to support this debt indeed being mine. I requested a copy of all documents ( invoices, summary of receipts, payments, etc. ) The company sent the attached document which is a mere form sent to my insurance company. I have never did any business with this company nor have I ever heard of them. This item is erroneous and should not be reported on my credit report. 
Delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 03/17/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful

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 monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX   XXXX ,  2017 , I mailed the Annual Credit Report Request Form  to Annual Credit Report Request Service i n  XXXX , Georgia.   I have received my credit report from  XXXX  and  XXXX . I have not received my Annual Credit report from Equifax.   Today is  XXXX   XXXX ,  2017 . I pulled up EQUIFAX website and chatted with someone. They gave me  XXXX . It asked to press  1  if I wanted to complete a survey after the call. I pre ssed 1 and  then "  XXXX  '' answered the phone. He asked questions to confirm my identity. He was very rude and kept interrupting. I would ask him a questions and he would not answer them and simply reply that I would be sent a copy of the report in the next 15 days.    XXXX  also stated he did not have it in his system that a report has been requested. He gave me confirmation #  XXXX  said it is in the way and hung up.   The system did not allow me to complete the survey.     Does it take 30 days to get my report? I tried to do it online, however, it said I did n't answer a question correctly and stated I had to request it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is to the response on complaint ( Case number : XXXX ) from Equifax stating they need more information. I have provided you with the list of accounts and inquiries that were deleted from my credit report and reinstated without the 5 day window of notification. The company made an error that was not my fault. The following accounts and inquiries are listed that were removed and then put back on. 
I 've attached the copy of the credit report from Equifax. I can list the accounts and inquiries that where removed then added back on again without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Equifax was hacked recently and I through their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) I was informed that I was affected. My social security number is no longer safe and potentially at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with Credit Bureau of New Ulm, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this was from identity theft and is fraudulent needs to be taken off asap i gave a copy of my police report and ftc id theft affidavit outlining the id theft

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 01-03-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This unscrupulous bank operates widely as credit card services for stores like XXXX XXXX, XXXX, XXXX, XXXX and others. They claim to mail statements and dont, then charge late fees. I opened a card in a XXXX XXXX store on a {$99.00} purchase to get a free gift they offered. I only used the card for that one purchase. I didnt receive a bill until 2 months later and it included a {$25.00} late fee. I disputed this fee, closed the account and was told the late fee would be credited. It wasnt. The next month I received a bill that charged interest on their late fee. I called again, got nowhere with them and decided to just pay the now {$29.00} bill so I wouldnt have to deal with them anymore. The next month I received a bill that showed my payment, and an additional {$1.00} minimum charge plus another {$25.00} late fee. They claim to have received my payment one day after the due date. This can not be true as I mailed it 10 days before the due date. So now I am filing complaints with consumer affairs as I am sure there are thousands of consumers being mistreated by this company. 
I have since XXXX this company and discovered many complaints exactly like mine. I dont understand how these people are allowed to operate this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Finally, after multiple complaints, XXXX XXXX XXXX and XXXX provided proof to the CFPB that XXXX XXXX, dba Orchard Bank, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A loan company by the name of tower loan has called me over 5 times in the same day even though I made a payment that day. Tower loan is the business.

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 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report shows that I have not paid for a loan on a house I 've never owned. I lived with a man at this home but never was married or anything that legally binds me to him. I moved out after a couple of months and I have not returned. The mortgage company is XXXX XXXX Loans. I believe that is was XXXX or XXXX that I moved. I have since married to another man and have not seen the owner of the house, XXXX XXXX for about XXXX 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: COLLECTORE KEPT CALLING MY WORK, CELL AND HUSBANDS CELL AND HOME, STATING IF WE CO N'T PAY WILL BE FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I demand to verify the accounts you listed wrong status in my report - I have never paid them late :  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