milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: My home has been in foreclosure for over 6 years. I retained an attorney and submitted multiple requests for modifications and short sales. The ba nk Chase, has stalle d and given me the runaround that whole time. Recently, they sent correspondence directly to me bypassing my attorney. I sent the letter to my attorney who called them and told them that until they get a court order or that the case goes before a judge they are not to enter the property or change the locks. They agreed that they should have gone through my attorney first. Then I got a notice from my insurance broker that a claim was made on the property by someone other than me. He investigated and found out that the bank entered the house illegally and made the claim. Basically, they committed the crime of break in and entry to a property that A- is not theirs and B - they knew full well was being represented by counsel. All of this while obfuscating and refusing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My complaint is regarding unethical late fees charged to my account. My first payment was made late and thus a late fee was assessed appropriately. However, the agent had helped me set up automatic payment after that payment to avoid any late fees. However, even though the automatic payment was set up, their system did not process the automatic payment resulting in me falling behind two months and having two late fees charged to my account. In addition the customer service rep, XXXX, from their collections department in XXXX, Arizona, informed me the automatic payment was set up to collect funds after the billing due date, which would have resulted in late fees being applied every month and automatically being taken out of my account had the automatic payment not stopped working. I think this is a thematic issue and could be affecting other individuals whom have had their automatic payments set up to have funds taken out after their billing date ( with the help of Chrysler customer service representatives ). XXXX requested her manager to refund my late fees however, her manager refused. The manager 's name was not provided to me over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2015 I called green tree Mort.co now dietech and requested a month deferred. Was told oh yes just make a payment we will defer 3 mo. Called because I never received confirmation nor the modification papers I was promised. Oh there on the way I was told. 3 months later I get an act XXXX foreclosure I call to see and was treated rudly by XXXX. I told her story she said rep knew there was no such program I was offered. Made me pay almost all my income to keep my house. So now I 'm still struggling to get caught up. I got behind in taxes paying them. They took my tax return and will not work with me to get an lower payment or nothing. Belittle me when I call. The mental stress this is causing all they had to do a year ago was say no I would have paid what I could not get behind XXXX dollars which set me back almost half a year. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I recently obtained a loan from BB & T bank in XXXX. In order to gain access to the online account I needed to open a checking account even though I had no desire to, but i did bc I wanted to see the loan online. The minimum deposit was {$100.00} which i made. I never used the account however when I looked this year, XXXX XXXX, I realized the account was shut due to being charged successive months on inactivity fees. I am very upset that this type of blatant gauging is still allowed. I received no notifications from my bank of the inactivity fees and was not aware of the inactivity fee when I opened the 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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unexpected or other fees

Complaint: I tried to get my credit report from TransUnion. I was not shown a bill ; however, I was billed upon being shown my credit report for " credit monitoring ''. I emphasize that no bill was shown or available, and thus the charge is fraudulent.

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 08/30/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: This complaint is in regards to the false reporting, False information and poor privacy and security of thr Bank of America in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and BOA never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then BOA 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have been a long time credit card holder for over 10 years, of the same two accounts with Capital one. I have encountered a financial hardship due to loss of income and have tried contacting Capital one via phone seeking help to lower the interest rate on my credit card and receive some help with the removal of the late fees and fee penalties applied to my account however I have not been able to get through on the phone. My current phone number has been disconnected due to non-payment and I have to use someone else 's phone to reach out for help. I am in need of some assistance to bring my accounts ( there are 2 ( two ) different credit card accounts in my name only ) current and remain a good standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with WINN LAW GROUP, APC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I
contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection.
In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. 
I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter.
This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. 
I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I am trying to pay this loan off as Details were very misleading when applying. I pay {$300.00} plus dollars a momth and I have paid less than {$50.00} to the original loan amount. When trying to pay what they deem the payoff amount I can not make payment nor reach someone in customer service. While all along interest accrues daily. This was by far XXXX of the worst financial moves I have ever made. There are hundreds of complaints against this company. I would like to pay off this loan and NEVER hear from this crooked thieving company again. I have lost my childs medical insurance. Had utilities turned off, all due to the financial strain this bogus loan has caused me. They are the worst kind of predators I have encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (I do not know) with AFNI INC. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A company that goes b y AFNI w ith the telephone number :  XXXX . They called twice - once on  XXXX   XXXX  at  XXXX   XXXX  and again on  XXXX   XXXX  at  XXXX    XXXX   .  They did not leave a message either time but when I got home I saw that they called. The first time, I called the number back not having any idea who they were. They said they were a debt collection company and asked to speak to me. I said they were calling the wrong number and I asked them to not call me again. Then again today I come home from work and see that they called again. I called them back but they were not open. How many times do I need to tell them to stop calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Stellar Recovery, Inc has continued to collect a debt from me that I never owed them. I never established a contract with this company and they stalling to remove all the negative items from my credit reports immediately. They are in violation of the FCRA and the stature of limitation are up on the suppose debt and it not my debt and no longer collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Huntington National Bank did a hard inquiry on  XXXX / XXXX /2017 without my permission! I have not personally requested for any loans or credit from them. I am a victim of identity theft and currently have identity theft alerts on all my credit reports. This additional unwarranted and unauthorized inquiry is causing damages beyond their knowledge! I want to know who personally requested my private information so that I can have law enforcement take proper actions. I am tired of being abused in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I use XXXX. When i logged in few days back - it showed me " very good chance of approval '' for American Express card with zero annual limit and {$150.00} cash back once i made a purchase {$1000.00} within 90 days. 
I clicked on that link and started the application process. Got approved and then after few minutes i realized that it was not the same card that was advertised to me but something else ... this one had {$95.00} annual fees and {$200.00} as cash back once i made a purchase {$1000.00} within 90 days. 
What the heck it is? 

I do understand that american express is going thru a lot of losses ( after XXXX  parted away and other important partners ) but never thought that they are so unethical that they will advertize something and do something else. How come they changed the offer on the fly? I did n't changed the browser, i had no bad cookies issues and no other issues on my computer .... 
How come Amex will be so unethical and immoral and start deceiving the customers?? 

In fact my 3 recent credit card applications during last 15 days has been rejected - i have no idea why amex is having no standards and they are still approving credit card applications for the folks who are getting rejected else where?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with Credit Bureau Services Association (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CBSA IS A THIRD PARTY COLLECTIONS AGENCY, WHEN I CALLED TO INQUIRE ABOUT THIS COLLECTION THE LADY THAT I WAS TRANSFERRED TO TOLD ME WHAT PROCEDURES WERE PERFORMED ( WHICH WAS XXXX ), WHAT TIME AND DAY THE SERVICES WERE AND FOR WHAT MEDICAL REASON I HAD TO SEE THIS DOCTOR. THIS VIOLATES HIPPA AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. I DID SEND HIPPA LETTERS TO CBSA AND THE CREDIT BUREAU 'S AND THEY SAID IT WAS VALID, AND DID NOT SEND A SIGNATURE OR ANY OF THE OTHER REQUIRED INFO. ALL THAT WAS SENT WAS A ITEMIZED BILL. PLEASE RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Gatestone & Co. International Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX approximately XXXX I received a phone call from 'XXXX ' from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for XXXX county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/ 2017 I applied for a ( Best Buy ) credit card and the application came back as declined because the system was down and overloaded, five days later I received a letter in the mail w/my Best Buy credit card, saying that my ( Best Buy ) credit application have been approved, but i notice it left a hard inquiry on my credit report. Best Buy, tv & electronic! Thanks 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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have made several compliants about that fact that Experian do not follow letter heads from credits, and make claims that the credit made statements about my account with no proof of a document that was sent to them from the creditor so I can go after the creditor with the proof that is was them who did that. All I get from Experian is them over the phone claiming that was the creditor sent them with no proof. But when I make a claim I get a document from the creditor, sign by the creditor with a letter head from company. I ask Experian if this was the court of law and I have hard evidence from a company sign by them who are they going to believe.Instead of asking the creditor if this document came from them so the came update my account, instead they tell me that they are waiting for the creditor to respond, and they respond never has to do with the letterhead that i sent them. This last update on this child support case they change it to {$0.00} balance after Child support did not respond. Experian policy is if the creditor do not respond they have to remove the account from my credit report. Instead of the remove the account from my credit report they took the balance that was reported {$180.00} and made it monthly payments, and made {$0.00} balance. This did not come from child support because it the wrong account information and child support do not report {$0.00} balance to credit reporting agency. They only report when there is a balance is due. It is illegal for a credit reporting agency to make changes to an account if it did not come from the creditor and that is what Experian did with this account. This are compliant numbers so you can see the history of what happen, XXXX, XXXX, XXXX. I did my investigation with child support already. They send out update on the XXXX of every month if there is a balance to report. If there is no balance there is nothing to report. Experian claim on XX/XX/XXXX, child support sent them an update that is a lie. Child support is not going to respond with false information about my account. {$180.00} a month is not my monthly payments. That is what Experian change it to because they did not get a response from child support. I want this account remove from my credit report.

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 04/20/2017 about Debt collection (I do not know) with Diversified Recovery Bureau LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Diversified Recovery Bureau, LLC calls me 2-3 times ever yday and leaves me " threatening '' voicemails stating they have my Social Security number and other sensitive information on " their desk '' and that it is imperative that I call them back immediately to resolve this matter. They never state what " this '' matter is when I call back yet demand that I give them my Social Security number and mailing address for ID verification. On  X/XX/2017   ,  XXXX   XXXX  from  Diversified called  me and once again refused to tell me for what debt and/or creditor he was calling in regards to. He demanded that I give him my Social Security number in order to verify my ID. I told  XXXX   XXXX  he could send me a letter on his companies letterhead, stating what " this '' matter was in reference to. Once I received the letter and was satisfied that it was in fact a debt that I owed currently or at one time, I would gladly call back and speak to him.  XXXX   XXXX  promptly cut me off while I was telling him this and once again demanded my Social Security number. I again told him to send me a letter in the mail stating what this phone call was in reference to.  XXXX   XXXX  at this point was got angry and sai d " Fine, t hen I 'll just mark this down as " Refusal '' and we 'll take it from there. '' I immediately asked  XXXX   XXXX  if he was " Refusing '' to send me the letter I asked for in the mail, but he had already ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Problems when you are unable to pay

Complaint: Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.

Company response to consumer: Closed with non-monetary relief