milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I used to have account with XXXX including XXXX XXXX . Last year I moved to different city and request them to transfer XXXX XXXX account under my wife name . After 2 months they discounted the service saying that I owed them XXXX dollar and after paying that amount they restored the service again. In XXXX they started calling me to pay that amount again and started threatening to send for collection. . In XXXX I got letter from Diversified consultants for collections of XXXX( reference number XXXX). I called them and made them clear about the situation. Now they put this note on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX/XXXX/XXXX at XX/XX/XXXXI walked in to the Chase Bank off of XX/XX/XXXX in XXXX and noticed they only have one teller now and have replaced the tellers with two atm machines. The teller line was long and the assistant branch manager walked over to me her name is XXXX XXXX  and stated you can use the ATM. She went on to help me deposit cash I put {$1300.00} dollars in ATM which she assisted me with and an error came up and a receipt came out stating I needed to call the number on it to verify my deposit was credited to my account. The Manager said sometimes this happens, let me check your account. My deposit did not post. She immediately called the claims department and they assured us after making the claim I would be refunded with a temporary credit of my {$1300.00} dollars within 12 hours. That never happened. I called 4 times today and spoke with Chase claims department my call was escalated. The representative advised me that per Chase policy they can hold my cash deposit until XXXX XXXX until their research is completed. I said how can you hold my funds, my cash for two weeks.??? nothing has been done. I have yet to receive a temporary credit to my account even after I have given them all the information they requested not to mention their Assistant Branch Manager helped me make the deposit. Iv kept the receipt and Im completely frustrated by their lack of customer service. Its my money and I want it back. The Chase bank I used is located at the following address- XXXX XXXX XXXX XXXX XXXX ATM Terminal ID- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2016 about Mortgage (FHA mortgage) with Neighborhood Assistance Corporation of America ("NACA") (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I enrolled in and enlisted mortgage modification assistance from my local NACA Program in XXXX, FL. It was confirmed that my mortgage situation met the criteria for assistance through the Program. I followed the process steps completely and I was presented with the modification option ; I was encouraged along the way by my assigned NACA Agency Counselor face to face, via telephone and email. As the process unfolded I received a XXXX package with the modification terms and details ; to my knowledge these specifics were negotiated by my NACA Counselor on my behalf. However, upon closer inspection this year, I 've discovered that this " modification deal '' contained many elements that has locked me into many years of hardship - specifically 'predatory lending ' at its best. For example, the new terms include ( 1 ) a XXXX and XXXX mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XX/XX/XXXX. Upon this discovery I contacted my former NACA Counselor and returned to my local NACA Agency office. To my surprise I was met with finger pointing suggesting that I had accepted a 'streamline ' offer and that NACA could not support my choice ; furthermore NACA had no paper trail of the offer I had accepted and they were certain that NACA had not negotiated a loan modification on my behalf XX/XX/XXXX. The NACA Counselor then asked that I provide copies of original loan modification agreement for her inspection. The documents were scanned at my local NACA Agency and I was contacted by my original NACA Agency Counselor ; she immediately pointed out that the deal was exorbitant, reeked of predatory lending and I should file a complaint with CFPB. Lastly, when I asked about a remedy the Counselor advised that there was no recourse through the NACA Program and that I ( 1 ) could just make the payments because the amount was nominal or ( 2 ) refinance the mortgage to mitigate the XXXX and XXXX mortgages and the large balloon payment.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: When the XXXX breach happened, it was recommended to put security freezes on our accounts with the big 3 credit bureaus. Whereas XXXX and XXXX allowed this for free, TransUnion wanted {$10.00}, but they would put a " Security Lock '' on my account for free, so I did that. Upon attempting later to remove that lock, the online TransUnion account that it had me set up, would not allow me to remove it, only to change it to a Freeze for {$10.00}. I called the listed number. It took 4 separate calls to different numbers. Each time, I was put on hold, then had to give all my identification verification information, then was told I needed to be transferred to another department, was transferred, put on hold again, then had to give all my identification verification information again, then was told I had to call a different number. Every time, it seemed I was getting to the same initial department, and transferred to the same second department. All were offshore call centers. On the 4th call, the second department successfully removed the lock. This was a very abusive experience.

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 03/22/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (PR).
Issue: Trouble during payment process

Complaint: I live in XXXX XXXX. After devastation caused by hurricane Maria All mortgage companies helped us With programs in which we didnt have to pay our hoises until XX/XX/XXXX. Loancare assigned a representative to work my case and she put me in that program. After we spoke in XX/XX/XXXX this representative has never answered any call again. I spoke to a second representative who said the first one did nothing and then the second one entered me into that program. Now in XX/XX/XXXX I need to pay my house and that representative blocked my account, so no payments are accepted. Im calling them to continue paying my house and the representative working my case never answers. Ive called more than 10 times this month, somebody answers. As soon as this person that answers enters my loan account they say a specific representative is assigned to my loan ( the lady I spoke with back in XX/XX/XXXX ). Then they ask me to wait until they can transfer me to her, but she is NEVER available to respond. Then they say I will leave a message for her to call you. Next step, I received a call from LoanCares number, but when I answer there is nobody on the line. It seems that on purpose this representative is calling me ( to have a proof that she called me ) but not speaking, just to have evidence that she dialed my number. This has been happenning for a complete month and even Ive reported this person, nobody is able to make her attend my case or allow me to pay my house. To me it seems like a plan to take my house from me. Please help!

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 07-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed XX/XX/2010. The BK was discharged XX/XX/2010. I included XXXX on XXXX. They keep selling and re-aging the debt to different collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Debt collection (Medical) with Alorica Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had not checked my credit report in a while. After obtaining my credit reports. I got a letter from a collection agency West Asset Management , Inc . Telling me that i had a debt that had been turned over to them for collection. I called them immediately to inquire about " this so called debt '' First time I called was XXXX/XXXX/2015. I was told that they were going to research the account and get back to me. Today is XXXX/XXXX/2015 have not heard any thing from them. So I called again. They told me that they did not have anything to share with me and they will let me know ... .In the mean time, I 'm waiting to have this cleared from my credit bureau as I would like to buy a small home for myself and having this information on my credit file will keep me from obtaining a good Real Estate loan or perhaps nor one at all. They ca n't give me any information about " this debt '' but they have not removed this false information from my credit report. I need help. I would really appreciate your help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with Podium Mortgage Capital LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Had a remaining total balance of {$3800.00} with American Education Services ( AES ). I scheduled a payment for the balance in full onXX/XX/XXXX. On XX/XX/XXXX, the payment posted but AES erroneously added {$6.00} of additional interest that was applied upon receipt of the payment. <P/>When I requested that the new interest charges be removed, the company rep refused and would only process another payment which will take 30 days to reflect on my account. In fact, I had to make the request 3 times. Instead she just kept asking me to authorize another transaction. The representative then stated that there are two balances : a balance owed and " pay off '' balance. How is that legal? By definition, there is only one " balance ''. <P/>Inevitably, I had to authorize the payment in order to close the account. <P/>Either their website is not giving accurate account balances, or AES is arbitrarily charging consumers additional interest/fees when balances are paid in full. I feel AES is probably using their lengthy processing times to justify additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Hi, In order to see your free credit report on Experian you have to submit credit card information after which they charge you {$20.00} a month for " credit monitoring. '' If you do not want credit monitoring there is no way to cancel it online and you have to call and sit on hold as long as an hour or more. 

We all as citizens are forced to deal with FICO it is not a choice, and are therefore without choice subject to using these for profit companies, in this case Experian. It is absolutely unreasonable that I should be forced into a situation where I have to wait hours on hold to not use there service that I never willfully chose in the first place. 

They are essentially exploiting consumers who they know need to check their reports by forcing them into more profitable paid services.

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 08/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Bank transferred money on the XXXX XXXX to my account with Coinbase ( over 300 to be worth of euros ). It was sent before XXXX, and the money was out of my account the same day. Their company says it will take 1-3 working days. On the XX/XX/XXXXand XX/XX/XXXXI emailed them asking where the money is, and how long until it is in my account. I have heard no response back from them, and it has almost been a week since I sent the money. This massive delay in transactions has cost me greatly, both in missed opportunities for investment ( $ 3500+ worth lost, due to this delay ) and the worry that has been caused from it all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They will not delete account paid off

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a open debt on my credit report with tsi Transworld systems yet I can not get a hold of them with the number listed on my credit report and no one ever answers or returns my messages when I choose that option .Agency Original Creditor Open Date Status Balance TSI/XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency TSI/XXXXOriginal Creditor XXXX COLLECTIONSStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsTRANSWORLD SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your ... 
I just want it cleared up so I can get a home loan some day and I ca n't even pay it

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Savings account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: Associated Bank knowingly misled me, I tried to set up arrangements on the account but I was given bad information from customer service who told me to go the branch no later than XXXX/XXXX/16 to make payment arrangements. The branch told me they do not make arrangements, I advised the branch that I did not have the money because I am fighting with XXXX XXXX to resolve this matter, they should have a resolution by XXXX/XXXX/16. There was no way to for me to take the money because it was not mine in the first place, my mother deposited that money from other account from the bank that she shares with my stepdad, she was going to use that money for her trip in XXXX now it is gone. I should have been told by the branch or customer service they were going to take all of the money from the account, I was notified on XXXX/XXXX/16 after I have tried to make arrangements. I do not believe my mom should suffer because my checking account ( that is in my name only ) was overdrawn. She was not notified by me that my checking account was overdrawn because it was only in my name. They were being dishonest and now I was told on XXXX/XXXX/16 that all payment arrangements had to made within 45 days of the account being overdrawn, not 60 days. My mom has been a longtime customer at Associated Bank and should have her {$300.00} credited back to the account. Like I advised before I could n't just take all of her money out because she will be using it herself. Associated Bank hid information from me. I want my mother 's account credited back the {$300.00} because it is not fair because she was unaware of this situation. I also advised them that my aunt passed away and her funeral was Saturday, my mother was upset about that and I do have the obituary as proof of what I am saying plus I work from XXXX Monday through Friday. It is not my fault that XXXX XXXX did not pay the {$330.00} check but per their guidelines, the matter will be handled by the legal department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
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 recieved a letter on XXXX XXXX of an address change on a closed account on my Walmart mastercard. I never authorized an address change this is not a " account take over '' it is identity theft. I have always lived in Illinois not Kansas. This account should be closed due to fraud transactions on the account and identity theft. The customer service team should never have issued an address change without my knowledge. I paid on the account what I owe and I want all fees and interest and the account a XXXX balance due to the customer service departments incompetence and breach of my account information.You have no security about protecting someone 's account. I will notify all federal agencies of consumer fraud and not updating any fraud on my account. This never should have happened at all again I never requested a address change, it is theft and this Synchrony XXXX has allowed it to happen and nothing done about it. The entire account is fraud now and the bank is responsible and needs to fix my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX judgement has been paid off and i want it to be removed 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 02-02-2018 about Student loan (Federal student loan servicing) with SLM CORPORATION (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I own Sallie mae about {$3100.00}. So I made 2 month payment to be ahead of the time. So I check student loan account and my payment is due in 2 week. Well they took my 2nd month payment to cover ridiculous huge fee and b.s stuffs. I paid 2 month! I was told that my monthly payment is XXXX or XXXX and now its XXXX. I don't know where the heck that number come from. I try to contact them few time and they just keep hanging up on me. also they are ruining my credit score! Thanks a lot Sallie Mae for stealing my education money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation