milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: On my XX/XX/2016 Amazon Store Card Statement issued by this bank I was overcharged by {$260.00}

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 08/17/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had an equity loan with PNC Bank. I have XXXX different letters with XXXX different people with XXXX different dates, stating the loan has been paid of or satisfied in full. I have enclosed these as attachments. For 3 years now or more I can walk into a branch and the loan amount still shows on their system as being owed. I walked into the XXXX XXXX XXXX today and received a printout of this loan still showing as due. I have attached a copy of that. I want this info taken off the system. No one can explain why it still shows being owed. This needs to be taken care of and I 'm so tired of PNC incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I had an arrangement with American Express that they would take out {$500.00} a month on the XXXX of every month directly to pay down the outstanding balance of my account. 
They have taken it out {$1500.00} to {$2000.00} out of my checking account. 
Today I was updated by Experian of the following : They Charge off my account? even with an agreement? And American Express was taking Money directly from my checking account Monthly? and I would not be charged further interest? Where most of the incurred debt is coming from. Why did they call me and get me to agree to the terms that they requested if they were going to pursue a charge off '' XXXX Potentially negative information has been posted to your Credit Report Hide DetailsBusiness : Phone : Status Date : Payment Status : AMEXXXXX XXXX XXXX XXXX, FL XXXX/2015Charge-offReported By : XXXX What is Potentially Negative Information? 

An item is " Potentially Negative '' when a credit reports that you have not met the terms of your agreement with them. This may include late payments, charged off accounts, accounts sent to collection, bankruptcies, liens, judgements, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: bank of america keeps over charging me for overdraft fees although i called them and told them im going through a divorce and XXXX  XXXX XXXX issues i got charged XXXX since XX/XX/XXXX alone although i told them to stop any automatic payments which they did not they told me they cant stop any transactions or stop the fees ..then they told me i can put money in the account before XXXX XXXX ET but when i put money in to try and cover some transactions they apply it towards large transactions and hold smaller ones and charge over draft on them. i tried to communicate with then they refusing to help they say im over my overdraft allowance .. im like yea because of my severe circumstances. in the past i may have over drafted like 1 or 2 times in my life but my XXXX XXXX XXXX XXXX and i dont qualify for state income 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 monetary relief
Consumer complaint received 10-09-2015 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged bank acct wrong day or amt

Complaint: The company is castlepayday loans. They pull {$350.00} every other week and when I called to complain about them taking the money out on Thursday when I do n't get paid until Fridays. They told me that the money they took out of the bank account 4 times was for the interest only and not the principal for {$1000.00}. Please let me know what I can do. The loan was processed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (IL).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX ,  2017 I pa id off my mortgage wi th Loan Depot, m ortgage account  XXXX   Loan Depot had 90 days to provide me with a mortgage release documents, releasing me from an y liens against me and my house. As of today,  XXXX   XXXX ,    2017 Lo  an Depot ha s not provided me with the release documents. I have sent several emails and each time I get a response that they are going to provide this document and that it has been escalated, but to date no one has provided me with the proper document stating I am released from the mortgage. This document is needed should I ever want to sell my hom e. Loan Depot is not legally entitled to have a lien on my house since the loan has been paid off in full. There never been pen alty for late payments, I have always paid on time. This company is not responding to my requests to get my affairs in order..   I would appreciate if someone would force this company to provide me with the appropriate document. I am not sure how they can avoid sending me this document, I presume there is a law they have to do it within a certain amount of time. Well it has been 6 months since I paid the loan off. I would think my documents are long over due.   Thank you for your help.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I use XXXX for most of my health-related issues and they send me out to XXXX hospital for anything test or XXXX. The bill comes to me then I take it to XXXX XXXX for reconciliation. 
XXXX has me on a scale where I pay a certain amount for each visit, they determine if a bill is cleared completely or a few more I will pay while they clear the rest. Usually, I will follow-up which I did then they give me a clearance. 
I followed all these steps and got the clearance over the phone that my balance is XXXX. Over a year later, I was going through a program to purchase something when they sent me a letter that something on my record is limiting them from proceeding. 
I was provided this number and I called. It was " COLLECTION AGENCY ''. I was shocked to hear about my hospital visit that was split into XXXX payments and I should set up a plan to pay. I tried to explain that I was given all clear but the lady speaking to me kept saying I should set up a plan or fax a clearance letter. 
I then ran to XXXX to replay this conversation I just had with XXXX ; according to the young lady I met, the guy that worked with me no longer works with them but the record they had on me was over a year prior to this bill with a XXXX balance. 
I further explained it 's strange since the letter I used for the procedure was given to me by the doctor there and faxed to XXXX from there. She went ahead to ask how I knew I was owed since they had nothing like that and I mentioned collection agency. 
She rose up to say that once things get there that they can not do anything. She could n't even see the lapse from their path even though she agreed the process I mentioned earlier were the correct steps in handling their bills. We could n't resolve this either. 
Right now, I understand the bill is about $ XXXX and I ca n't afford that let alone the bill I had no clue about. If I had seen the note from collection like they claimed, I would have still taken it back to XXXX but I got none. It was in the process that I told them to update my address since I had moved from where they claimed they sent me a notice. So I do n't know what to do at this point. I went back to the program expert who mentioned this discovery and was told to go online to this site and explain. Hoping to resolve this mystery completely soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Account was opened in 2007 and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over 7 years old. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.

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 01/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage has not been able to help us lower our underwater property. they charge us hi fees and are not helpful on the phone. they transfer us from operator to operator. We ask to talk to a supervisor and they always tell us that we are not able to talk to a supervisor. They do not give us a response of how we can lower our principal unless we send them a lump sum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (I do not know) with Debt Management Incorporated (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company repeatedly made fraudulent calls stating they were debt attorneys and they would be filing suite against me for a debt I did not own. After submitting a complaint with CFPB they stopped calling, but proceeded to put a negative mark on my personal credit. I called them back twice to get ANY information / paperwork that would explain how they fraudulently acquired my social security number to put the derogatory mark on my credit, but they refused to provide me with any.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America My monthly bill states I owe {$870.00} in big, bold numbers. If I read the small print do I realize my regular mortgage payment is only {$840.00}. The wording on the front page of the bill makes you believe you owe {$870.00} which is really the mortgage only if your mortgage is received after the XXXX of the month. The wording and design of this bill is very deceiving, and if my wife did n't really question why my mortgage had increased I would have paid the higher amount unnecessarily, and I believe, illegally. 
Bank of America needs to redesign the format of the mortgage bill to reflect the regular monthly payment as the TOTAL AMOUNT DUE in the the BOX with large letters.

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 12/24/2015 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: In XXXX of 2014 Credex started harassing me. They called me at my job and left embarrassing and threatening messages on the voice mail. I work as a messenger and travel thought out the hospital where I work. My work phone is in my office and when I am away from my desk the caller can leave messages on the office voicemail. I am not the only one who has access to this voicemail. My co-workers, supervisors and members of the Human Resources Department have access to those messages. 

The fact that Credex would leave messages informing people that I owed a debt to them was bad enough but the kind of messages they left made matters worse. They called me names and referred to me in derogatory terms, they threatened me with arrest, jail and garnishment. They threatened to inform my supervisors of my debt and their debt collection activities to have me fired. I asked Credex to stop calling me at work but they paid me no attention and continued to call me there. 

Credex also called me on my cell phone and left messages I counted 21 calls and messages on my cell phone. They also called me on my home phone. XXXX my home phone and dell phone are on the do not call list. These calls did not stop until my attorney filed a lawsuit. 

My case against Credex was filed in XXXX XXXX Ohio Common Pleas Court Case No. XXXX. Credex new of the suit because they contacted my attorney about the case. They, however, did not file an answer in the case and the court granted a default judgment against them for {$21.00}, XXXX as damages and {$2500.00} as attorney 's fees. 

I have not been able to collect this judgment because Credex is located in XXXX, N.Y. and I have not been able to find a New York Attorney who will handle this case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit decision / Underwriting

Complaint: Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My identity were stolen. I have n't been in United States since XX/XX/XXXX. I came back just XX/XX/XXXX and found out that someone used my intel for more than 7 years, opened credit cards. Now I am trying to dispute all inaccurate accounts and debts because I did n't. I filed reports to FTC and police. Also, I tried to contact XXXX XXXX XXXX XXXX, the collection, which bought one of the debts. I wanted to explain my problem and expected understanding and cooperation as I have rights to dispute not my accounts and debts. I called to this company XX/XX/XXXX. Firstly, one of the employees asked my data to find a case then transferred me to the administrator as she said. This administrator just said I had a court. When I tried to explain to her that my identity was stolen and I have never been in California in my life, she just made fun of me and my not perfect English language, then said " buy XX/XX/XXXX! '' and hang up on me. I tried to call again more times, but this company blocked my number. I sent them a letter with request to close this fraudulent account, but there is no response. They violated my rights, in accordance with the Fair Debt Collection Practices Act, to stop collection proceedings against.

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

Complaint: Equifax has egregiously misused all of my personal data, with beyond poor security standards. Credit monitoring service is essentially a joke unless it is made permanent, a more appropriate response would be to facilitate changing all of the associated information where possible - though this is clearly not reasonable for most people. 

This refers to the recent breach, which was known of in XX/XX/XXXX, but just notified X/X/2017. This also is a major issue - I should have known sooner. I have placed an inital alert, though I am unsure if I should participate in their " service '' as there is an unclear class action waiver attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have made several phone calls to Equifax credit bureau since XX/XX/XXXX to remove three items off my credit report. The items are from XX/XX/XXXX, each item total {$120.00}. Each item is from XXXX XXXX XXXX via XXXX XXXX and XXXX deleted these items off within a matter of seven business days. I call and verify name/dob/ss # /mailing address-I am told the lender states these three items are accurate. I believe this to be false, or else the other two credit bureaus would have never deleted these items. 
However, I have NEVER received nothing in writing from Equifax stating the results of the dispute. I no longer have reference numbers-when i called back to follow up, it was explained to me that the numbers i provided did not match what was on file. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with JPMORGAN CHASE & CO. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a private student loan from Chase in XX/XX/XXXX. In XX/XX/XXXX Chase stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by XXXX saying I owed them for a student loan that I opened with Chase. I only opened one loan with Chase but both XXXX and XXXX has my student loan with the same promissory note from Chase. I talked to Chase who informed me that my loan was transferred to XXXX whom I have been paying every month. However, XXXX XXXX has defaulted my student loan and garnished my wages for the loan serviced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have told them to not contact me through phone, mail, or email, and I have continued to receive communication through phone while I am at work constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: BBVA Compass - I have called them XXXX times in last XXXX mo 's to get my payments to them on time. They start then stop sending me paper statements. They do not post my payments as I instruct them too. Their customer service is horrible with long phone wait times, disconnects, and lying to me about submitting my requests. I am sending in additional money to pay this XXXX yr. note off faster. They refuse to refinance me at lower rates, due to a XXXX year old bankruptcy, They put my loan in there bankruptcy dept. Which it never should have been. I can not determine if the additional principal I send them is being applied. I can not get there representatives to explain it to me as well. Every month it is a different problem. Now they say there is a XXXX $ fee for submitting payment over the phone. 
When I complained - they said " oh your right - there is no charge ''. I have XXXX years to go on this loan, but do n't know what I owe or when it is being corrected as far as the Additional principal is concerned.

Company response to consumer: Closed with monetary relief