milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Debt collection (I do not know) with National Principal Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Thursday XXXX XXXX, my mother, sister in law. my ex-mother in law and my ex-mother and laws mother ... .. all received calls from a company called NP group. They were calling to trace and locate me. The message left reads as such ... " This message is regarding our location and tracing efforts for XXXX It is important that we speak to you regarding their whereabouts. If we can not verify this information through you. The law allows us to contact all references on file, dial XXXX not to speak to a representative or call XXXX. If you are unable to provide any information concerning the whereabouts. Please call the office regardless at XXXX. Your immediate response is appreciated. '' I have not outstanding debts with anyone and have on several occasions contacted the FTC on loans I do not owe. I would like this company to stop calling me and any of my relatives current or past. They do not have the right to harass these people or myself on a debt that does not exist. They have since called several more times to these same people. I have called more than once to get this resolved. I called the first time and it went to a machine and asked for my name and number and they would call back. The second time the phone just rung over and over with no pick up. The 3rd time it put me on hold and then to dead air. The last time the representative wanted to confirm my Social Security number where at that time I declined to give her that information and so she said she was n't going to do anything unless she knew I was the right person and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
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 paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.

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 01-05-2017 about Debt collection (Credit card) with Frontline Asset Strategies, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XX/XX/XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XX/XX/XXXX and by me on XX/XX/XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in Circuit Court of XXXX County, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: Greetings The Purpose of this Complaint is to inform you of the Less the Fortunate Service I Received on My home Loan # XXXX From Bank of America. I have Attached a Few of the Letter of Pre approval Letters From the Loan Officer Agent. The Loan Officer Had Me under the Assumption that I Was Pre Approved Back in XXXX XXXX After an initial Credit Check. 
Bank Statements and other documents From XXXX XXXX was Provided to the Loan Officer Never once did the Loan Officer Express an Concern about an Issue that was on my Credit until 3 month Later. After Shopping Around For a Home and Being Shown Multiple Properties From My Realtor, I Finally Decided on a Property to Purchase. This was My Potential dream House I Really Felt Good About this On Monday XXXX I Had the Power Turn on at the Property. On XXXX I was Charged {$550.00} For a Appraisal Fee and another Credit Report. 
On XXXX I was Told Verbally that an underwriter had Looked at the File and Seen Something on My Credit.I Have also Attached that To Show How that was cleared. I Do n't Really Know What is your Protocol on When initially a Person Applies For a Home Loan The Parameters that are Taken. I Feel Like Three Months of My Time Has Been Wasted and Was Living out of Boxes anticipating a Move Soon. I Have read All the Reviews that Are involving BOA and I 'm starting to Think Where is the Customer Service on Most of these Matters. I Did n't want to be Long Winded on this but These are The Facts Concerning this Matter 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 monetary relief
Consumer complaint received 06/20/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Late fee

Complaint: First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: Made a purcharse in XXXX, for 04 computers, was suppossed to wire the money through XXXX  keeping the reference number to myself until the package was delivered. They asked for a proof of the transfer, they asked for me to send a picture of the receipt covering the reference number ( which is suppossed to be the only way to cash out the money from moneygram ), and with the receipt and with out the REFERENCE NUMBER they cash out the money from moneygram in XXXX. Thought XXXX guaranteed the transfer only if the receiver presented the Reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After their huge credit breach, exposing all of my personal information, I used the links on their confusing website to set up their free credit monitoring service as advertised on their site and the national news to protect their customers from THEIR credit breach. I followed all steps and instructions and still have not received anything from any type of credit monitoring services, so my personal information remains unprotected because of their lack of security. Now I am exposed to anything and anyone who wants to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My social security card was recently stolen. How do I notify the agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Selene Finance a debt collector took advantage of me several times. Twice that I know of they taken money from me on 2 modifications and increased my mortgage payment to a higher amount. Over a few years with Selene Finance my mortgage jumped up to XXXX more towards my debt. After years fighting with this company they ended up selling my mortgage to a lender called XXXX XXXX. Honestly this company is doing really nothing for me as well. What can I do now do fix my mortgage and get myself on track again? 

Please email me at XXXXXXXXXXXX

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal information to be stolen. Their own website confirmed it. They also waited months before telling people and in that time I 've had fraudulent charges on my debit card AND credit card. This is unacceptable. OHH, and the top 3 executives for Equifax sold their stocks only after finding out that their system had been breached. HOW CONVENIENT!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Convenience checks

Complaint: Statement of Facts : 1. Chase Freedom Card offered me " Access Checks '' to pay off another credit card. 
2. I called my other credit card company and asked if I could pay with this method, they said yes. 
3. I used the check accordingly. 
4. After a couple of weeks I called the other card company to check and see why the payment had n't posted. 
5. The other credit card company said that Chase had n't released the funds yet and asked me if I wanted them to run the check again if there was an error or something. 
6. I told the other company to wait until I could talk to Chase. 
7. I called Chase and told the representative what I was doing and he said that it was ok and to try again. 
8. I called the other credit card company back and told them to run it again if there was an error. 

Summary of the problems : Chase returned the check twice even though my available credit was greater than the check amount both times. This subjected me to XXXX {$27.00} check cancellation fees from the other credit card company. 

Chase needs to reimburse me XXXX fees totaling {$54.00} Even after explaining to Chase that I had called Chase to clarify the situation after the payment was delayed but BEFORE any return check charges were incurred, they were unwilling to help. The supervisor said that they can decline any payment for any reason they want at any time and that there was nothing that anyone could do about it because they reserve the right to review all payments. 

I asked if there was anything in their terms of service that excluded my method of payment. Her words as close as I can remember, " It does n't matter if our terms of service does n't say you ca n't. There is nothing in our terms of service that says we allow you to do it that way and that is more than enough. '' This is patently false and in fact the exact opposite of the purpose of terms of service. TOS in it 's simplest definition is not designed to be an exhaustive list of everything you CAN do. Instead, it is meant to outline how the respective parties ' activities are limited. Chase is the worlds largest bank. If Chase 's Terms of Service, policies and procedures are not explicitly exhaustive in their restrictions, its length and specificity shows that it is clearly intended to be. 

Their TOS does not limit me from this activity. Chase declining to release funds did cause me to incur an actionable loss and de facto violates their own policies, terms and conditions. This is further evidenced by the fact that upon my complaint they finally wired payment to the other credit card company electronically, without my signature, and with out a physical check. 

It may be a good idea for supervisors to refrain from offering legal opinions on behalf of Chase Bank. It is my opinion that this person should be coached to that end however they can do away with that suggestion if they wish. 

As this issue is over a month my only expectation is to be made whole on my {$54.00} loss without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I tried to reach Experian via phone call to close my account multiple times on XX/XX/XXXX, but the answering machine had me waited for an hour. I XXXX about the issue and found out that there are many customers who are in the same situation as mine.

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 02-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On Sunday morning between hours of XXXX-XXXX MCM called my home phone three times within this timeframe. I was in the shower so a third party in my household answered the phone and processed to speak with someone by the name of XXXX who later states his name is actually XXXX then XXXX. Giving false information. The third party continued speaking with XXXX who eventually gave phone call to his supervisor XXXX then later said his name was XXXX. Both these individual gave out my debt account information to the third party. Both gave the third party the amount of my debt, the amount to payoff my debt. I did not authorize or give permission to MCM to speak with the third party. I feel they violated my privacy and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (I do not know) with Kirkland Asset Management LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do?

Company response to consumer: Closed
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Payday loan, title loan, or personal loan (Installment loan) with MAJR Financial Corp (GA).
Issue: Charged fees or interest you didn't expect

Complaint: Company added an extremely large interest rate to double the payoff amount. 
A loan that was suppose to be paid off in a year, turned into double that extended to 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen raised my monthly payment wrongfully after stating I did not have " acceptable '' insurance. I disputed the amount of escrow they charged, and did not pay that amount while it was in dispute. I did make my monthly payment, and have an unblemished payment history going back for years. They filed a negative credit report with the credit reporting agencies saying I had missed a payment, which was false and untrue. I have never missed a payment. Now, my credit score has gone from " Good '' to " Poor '' thanks to their screwup in wrongfully saying I had missed a payment, which the record shows I have not. 

Also, I have not heard from Ocwen about my complaint to you and them that they wrongfully raised my mortgage amount by more than {$400.00} a month to pay the escrow for an alternative insurance policy they bought for me, which I did not need because I had insurance already and sent them numerous notices to that effect. 

This is victimization of homeowners at its worst, and I want this stopped, my credit score fixed by having them withdraw the negative report, and all monies payed to them wrongfully for the outrageously high, unnecessary increase in my escrow amount to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation. 

TransUnion provides this address and zip code for disputes : TransUnion Consumer RelationsPO Box XXXX PA XXXX I attempted to mail a certified letter containing documentation relevant to my dispute, USPS refused. They said it was not a valid zip code and address. I reconfirmed the zip code and address with TransUnion. I also checked forums to see if other consumers were having this problem, and sure enough, it is being reported in various consumer complaint forums ( for example XXXX ). 

I called TransUnion to request a different zip code. I was told that the above address and zip code combination was correct. They told me if I was having problems with that zip code, I could fax the materials. I was given a list of XXXX items that had to be included in the fax, in order, or the fax would not be accepted. I was also told the fax number was often busy, and so I should attempt to fax my materials multiple times. 

I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation