milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Transaction issue

Complaint: On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit card protection / Debt protection

Complaint: Hello. 

The story here might sound strange. This credit card was never opened by my permission, and i have never opened or ordered to open any credit card from Bank Of America. 

When i first saw a charge on my account from the credit card company i went to the bank to ask about it and i have been told they will take care of it. Month later i saw charge again and i went again to the bank. This time i did n't have money in the account enough to cover the charge so i have been charged also for negative balance fee. 

This happened 4 times in a raw and i did n't want to pay the balance because i was n't the XXXX who made the mistake. They ruined my credit and i could n't get car or loan or any normal service from anyone that asked for my social security number. 

Today i want to take care of this issue completely. I need your help please. 

Thank you, 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 05/27/2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with XXXX party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I completed a loan modification through GreenTree Servicing LLC on XXXX/XXXX/XXXX, they increased the loan amount by $ XXXX to include all the fees, interest etc. After my XXXX payment on XXXX/XXXX/XXXX, they increased my payment by charging me additional fees of {$110.00} each month. Additionally, they added fees to the payoff and/or escrow account when we refinanced in XXXX of XXXX. I tried to talk to GreenTree about this, they indicated it was attorneys fees. They stopped charging me for a couple of months and then started again. I would like to get reimbursed for these charges. I do n't feel them to be appropriate since the loan modification included all attorneys fees, interest and servicing charges added to the principal balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Filed a complaint regarding a credit card fraud ( XXXX gas card account # XXXX ) sent all the requested information and document followed all the instruction provided by XXXX XXXX XXXX ( fraud Manager ) direct line XXXX XXXX XXXX. 
All supporting information and document sent on XXXX/XXXX/2015 After numerous phone calls and Email never received any follow up. 
Until now when we are contacted by various collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Credit card) with Admin Recovery, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: There are several concerns that I have about the communication tactics from a representative of Admin Recovery. 

1. On XXXX/XXXX/15, a person by the name of XXXX from Admin Recovery ' made initial contact about a XXXX Bank debt using my spouse 's cell phone number instead of mine. No other contact was made directly to me prior to this phone call on XXXX/XXXX/15. I never released my spouse 's phone number to XXXX Bank nor did I ever give permission to be contacted on my spouse 's cell phone number. I have no idea how my spouse 's phone number was obtained by Admin Recovery. 
2. I briefly spoke with XXXX XXXX on the evening of XXXX/XXXX/15 when he called my husband. He repeatedly asked me to verify my DOB, last four digits of SSN, and/or my address. I refused to verify personal information over the phone because I did not know him nor anything about Admin Recovery. I requested that he send a letter to me instead. In a rude tone, he refused to send a letter and just ended the call with me. 
3. On XXXX/XXXX/15, XXXX XXXX called MY cell phone number this time and left me a voicemail message about said XXXX Bank debt. I returned his phone call on XXXX/XXXX/15. I informed XXXX XXXX of the times when it is convenient for him to reach me by phone. His rude reply was that he does n't work during the times that are convenient for me to be reached. I then requested that a co-worker contact me during those times. He said that was not possible because no one works on Wednesday or Friday nights from XXXX - XXXX XXXX. Then he proceeded to tell me that at this point, I lost my rights to be contacted at a time that 's convenient for me. So basically, I must discuss this matter with him during HIS working hours. 
4. I, again, requested that he send me a letter verifying this debt so that I can be fully informed to respond. 
5. As of today, 10 days after his initial contact with me via my spouse 's phone number instead of mine, I have not received any written communication from Admin Recovery about said XXXX Bank debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: On XXXX/XXXX/2016 I opened a Sears charge with citiusa, I bought my merchandise and received the card 2 weeks later. Set up online account. Logged in to pay bill had a " call there is an issue with account '' Fraud alert spoke with Fraud department. XXXX/XXXX/16 they pulled credit report without permission. Again on XXXX & XXXX called about " Fraud alerts '' on account due to messages on the account called again and both times they have inquired on my credit AGAIN W/O permission!

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 10/30/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I have been in contact with my Account Manager for Fay Servicing in regards to my mortgage. There have been issues previously with the account that the last account manager XXXX XXXX did n't resolve. I have been unemployed, but I have been trying to work with Fay Servicing in regards to repairing my status with the mortgage company. I informed the new account manager that I want to save my house and even went into a Forbearance/Trial Plan Agreement even though I did n't really have the money to pay the mortgage and the rest of my bills. I informed my account manager that a {$50000.00} payment was going to come from the NJ Hardest Hit Fund. They finally received the payment in last week of XX/XX/XXXX. I have other bills to pay that include the water bill and XXXX XXXX XXXX that takes preference and I was trying to make an arrangement with Fay Servicing. When I looked at statement from Fay Servicing that I received in the mail it said that on XX/XX/XXXX a total of {$38000.00} ( You must pay this amount to bring your loan current ). Now I already submitted a payment of {$1100.00} on XX/XX/XXXX to be applied to may account and I know that the {$50000.00} would cover the {$38000.00} to be my account current. Now Fay Servicing has informed me that they applied the {$50000.00} to my account, but they said that I have an outstanding balance of {$2800.00}. I know that they did n't apply the full amount to my mortgage in order to make it current.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Never had a signed agreement with XXXX XXXX to charge interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on, but I did n't r'cve information pertaining to my dispute as requested. 

I was told that the public records Bankruptcy and Tax Lien ( which reports on my credit report inaccurately XXXX were verified through a third party company but I did n't rcve the third party companies information. I called the court listed and I was told that they do not have information on me in regards to these two public records and if they did, they would not release this information to a third party due to violation of my hippa rights. I contacted XXXX, because this is who the other two reporting agency say they were verifying through, but as with them, XXXX advised me that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that TransUnion is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their 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 non-monetary relief
Consumer complaint received 11-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification on XXXX from XXXX XXXX that a collection had been placed on my credit report by West Asset Management. I contacted their customer service, and their rep informed me there were no active accounts placed with their office in my name and the reporting was an error and it would be investigated. I received notice on XXXX, and XXXX that it had been placed on the other XXXX bureaus so I contacted their customer service group again. 

This time their representative stated that I had a bill due to XXXX XXXX by XXXX for {$240.00}, and it had not been paid. It was sent to their office on XXXX and eligible for placement on my credit report on XXXX. 

I then requested the reason I was not notified of this bill, and the answer I received was that their office sent a letter to me at an address that I moved away from in XXXX of 2015. I explained that they sent the information to an old address and I was never notified and granted my 30 days to review and dispute the collection. Their representative told me that it does n't matter if I received the letter, because their only responsibility was to send it and it mattered not where it ended up. 

I then said I would pay it, but that I required it be removed from my credit report. Their rep answered by stating it would be marked paid, but not removed. I restated my demand and informed the rep that West Asset Management did not act within the limits of the Fair Credit Reporting Act, and the answer I received was that their lawyers were n't afraid of me. 

I contacted XXXX XXXX, and explained to them what had happened. Their customer service rep saw in their system where I had left my new address but their office was still communicating with me at the old address and the error was on their end. 

I paid the outstanding bill over the telephone with my checking account on XXXX and it cleared my account on XXXX. The XXXX XXXX rep informed me that they apologize for the error and they would have the collection agency remove the item from my credit report. 

West Asset Management has since marked the item " paid '' but refuses to remove it. It should have never been placed there, and did as a result of an error beyond my control, therefore they are obligated under the law retract the false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Debt collection (Medical) with Collectech Diversified, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have XXXX separate acounts from Collect tech a local collections agency # XXXX # XXXX # XXXX # XXXX have called on several occoasions last date XXXX/XXXX/2015, spoke with XXXX XXXX and a guy names XXXX who both were VERY rude and refused to help me resolve this issue. Since recieveing the bills intially I advised the collection agency that I had primary and XXXX coverage. None of My EOBS or explanation of benefits have ever showed a patient balance. I believe there was a billing error and that was not a result of me not providing or having verifiable insurance. This was during a XXXX and I have no outstanding bills in regards to the XXXX and other monthly visits. I have tried to dispute this information several times and it remains as they only verify the balance and if the debt is in my name. The insurance has been provided to the hospital and I have offered to send to the collection agency. They have refused the documentation. The original debtor XXXX XXXX center ( XXXX ) has verified the information was provided and on file. They are unable to remove the debt as my account is with colletech now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After reviewing my credit report ( s ), I was surprised that XXXX was reporting an alleged debt with XXXX, which I had previously disputed with First National Collection Bureau ( " FNCB '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to FNCB, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding First National Collection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: After notifying the bank of fraudulent activity on my account after I noticed that three transactions I did not complete were debited, the bank only refunded two of the three fraudulent activities. I have opened three claims with the company and they were closed after not refunding me the third transaction in the amount of {$150.00}. There has been no explanation of the reasoning for closing the third claim for the third transaction iao {$150.00}. The first claim was supposed to include all three transactions but the representative neglected to include the third ( pending at the time ) amount so the second claim had to be opened. The bank says that I answered one of the questions incorrectly so that disqualified me from a reimbursement of stolen money. After speaking to a manger he told me that the transactions were all made online from different areas so based on that information he would open an additional claim. I have now received written notification that they are closing that claim without refunding me the third fraudulent transaction iao {$150.00}. The bank does not seem to care that {$150.00} is a lot of money for me to be missing and as a consumer who has trusted them with the care of my money I will be closing my account due to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: hello this is a continuing problem we had with this bank and this company we field complain after complain about them and nothing is being done we had problem with the items we purchased from pep boys there way of fixing was we owe XXXX out of which XXXX are late fees we iformed them of our situation and where promised that late fees will be taken off the still reported us late to credit agency

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 02-11-2018 about Student loan (Federal student loan servicing) with Xtreme Products LLC (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I get a letter about a social security offset that they was about to do and it says to stop it call this number well i call this number and they say they can't stop it or help me i need to call someone else but turn around next week to get a response letter saying thank u for confirming im aware of the offset by contacting them but 2 years ago I got a forbearance on my loans with XXXX and than this place bought my loan like how is this possible

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: They are foreclosing on my home when I have completed the Modification papers faxed them mailed them they claim to never have received them on 4 different occasions. They deliberately stalled with excuses until they could claim it was to close to foreclosure sale date to stop the Sale. I have repeatedly asked for verification because all the statements I have received from the 4 different servicers are different they just ignore my requests. They have called my former employer trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problems when you are unable to pay

Complaint: I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One XXXX reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having XXXX bills from the birth of my son ; however, that hasbeen discharged for XXXX years, my reaffirmation agreement with Capital One was declined by the judge. 
Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n't show anything but ( account closed, bankruptcy XXXX, zerobalance ) or something of that nature. Anything other than that is a clear violation of the FCRA post-bankruptcydischarge requirements. I 've communicated with them at least XXXX times over this year alone about the same thingtrying to get it permanently resolved. To report a discharged debt as something else ( for example, '1charged off ' orhaving a balance as more than zero ) violates the provision of the FCRA that requires creditors from reportingincorrect information. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). it is also a violation of the FCRA if I 've notified them about theincorrect reporting XXXX several times XXXX, but then they still have not permanently corrected it. XXXX XXXX XXXX ( a ) ( XXXX ) ( b ).

Company response to consumer: Closed with explanation