milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Debt collection (Auto debt) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in   XXXX    my payments were being withdrawn on time by this company without any problems. One month (  XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX  and   XXXX   & XX/XX/XXXX  ). I woke up one morning in the month of  XX/XX/XXXX  and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of  XXXX ,  XXXX  and XX/XX/XXXX  I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.

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 07-08-2016 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: Customer service / Customer relations

Complaint: Jared the Galleria of Jewelry keeps calling and emailing me at my job after repeatedly being told to stop doing so as this can result in me losing my job. They are also calling my sister at her job and keep calling various family members of mine. My account was up to date and being paid and they closed it for no reason and are now harassing me even though I am on time with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Settlement process and costs

Complaint: We refinanced our apartment in the XXXX XXXX with HSBC. The process took a long time - since XXXX - with HSBC constantly coming up with many inquiries, which we responded to within a short time ( usually same day ). Everything was going fine, but we were out of the country when the closing happened XXXX our daughter had POA to sign the papers ). At the last minute ( after we had agreed on all the details of the closing XXXX, HSBC added a {$4000.00} charge to the closing costs, without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I called Bank of America for a new car loan. I am a Preferred customer with many accounts with Bank of America. After reading on the website about the process, instead of applying online I called to talk to a loan specialist directly. The website was having issues so it would not pull up area dealerships that are " franchise partners '' with Bank of America for auto loans. The very first question I had was if the particular dealership I wanted to purchase a car from was included on the list. I was asked what type of car I would be buying. I gave this information to the agent and was told that they would be an authorized dealer. From there it was a heavy push for me to apply on the phone for the loan. I consented to doing this as well as asking several questions along the way. Prior to running my credit for approval I asked several more questions. I further asked if it was as simple as taking the access code for the loan, giving it to the dealer and they would know what to do and I was reassured that this would be the case. Once I was given this information I consented to my credit being run. I was approved and quickly passed on to another individual to go over other terms. This individual asked me for the dealership information, which I gave her. She then gave me different information than the first individual stating that this dealership is not one of their " franchise partners '' so I would not receive an access code, but rather I would have to get a purchase order for the car, send it to Bank of America and then several days later they would send me a check to take to the dealer to purchase the car. I then stated that the whole reason I called to begin with was to ensure that this dealer was one of their " franchise dealers '' and was told by the first person I talked to that it was. The second individual apologized and said that they should have given me the correct information. At this point my credit has already been run under me getting false information. 

My plan was to purchase this vehicle in the next day or so. I asked the individual how this was supposed to happen and she simply stated that maybe the dealer would allow me possession of the car and I could take the money to them once I have the check. I doubt that a car dealer will let me drive a new car off of the lot without any payment for the car. In addition, the whole process was set up such that I was initially put into contact with an individual that was only trained to answer broad questions and push individuals into applying for a loan. This was a very misleading process that resulted in my credit being run on false information that I was given prior to me consenting for my credit to be run.

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 02-10-2016 about Debt collection (Medical) with Adler Wallach & Associates, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original amount of the bill, per AWA collections agency, is {$160.00}. The total balance due is {$220.00}. They are charging {$55.00} as " interest and fees '' but when I spoke to a representative on the phone, I was told that I was incorrect, and the " interest and fees '' should say " collection fee '' but the amount charged by the medical office ( the original debt ) was only {$30.00}, and that my payments made had gone towards the " collection and fees. '' When I explained that the interest was 40 % of the bill, she argued and said that " there is no interest being charged. '' She also stated that they were not allowed to send bills and receipts. She was adamant about not charging interest, although the bill received ( which is the first bill that I ever received, as my ex-husband was hiding mail ) clearly states " interest and fees. '' I told her that I would only pay the original amount, and I would not be paying interest. She told me that I had to pay the " collection fee '' or else the bill would not be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (IL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: WELLS AND COLLECTION AGENTS AND ASSIGED LAW FIRMS FOR LAWSUIT DOCKET XXXX XXXX XXXX CIRCUIT COURT OF XXXX COUNTY WAS SERVED TO US VIA MAIL AND IN PERSON, REFUSED SUMMONS AND KEPT GETTING CALL FROM ALL PARTIES FOR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MY ESTRANGED FAMILY MEMEBERS. CALL CELL, WORK CELL AND SKIP TRACED XXXX IN VIOLATION OF FDCPA TCPA THIS WENT ON FROM XX/XX/2009 TIL NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCS sent a letter stating I owe XXXX to XXXX, the policy cancel date shows as XXXX/XXXX/2015. The correct date is earlier, it appears the rep I spoke with chose to put a future cancel date of the XXXX instead of the day I called in. I do not owe XXXX, I thought I had money coming back to me. I no longer own the vehicle, it was sold prior to XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY Experian but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

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 non-monetary relief
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I had a checking account in good standing for almost a year with Citizen's bank. During my history with this bank, I'd had several deposits made through my XXXX account to my checking account with Citizen's without problems. In XX/XX/XXXX I had XXXX sent from my XXXX account to my Citizen's account. XXXX has confirmed the transaction was completed but Citizen's is claiming they don't have it despite having a confirmation and ACH trace number from Paypal proving otherwise. Despite my having a good standing account with Citizen's for almost a year and my providing these confirmation numbers, Citizen's rudely closed my account in XX/XX/XXXX They are claiming I owe them over $600.00 and have reported me to 3rd party companies that they closed my account for "Account Abuse".

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Using a debit or ATM card

Complaint: Citibank has sent me to collections because of a checking account that I had with them was overdrawn due to fraudulent charges. I call and call and call and no one gets back to me or assists me. My checking accounts with them are overdrawn because someone stole my identity and used my accounts, not sure how they did it when there was n't much money in the accounts.

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 Mortgage (Home equity loan or line of credit (HELOC)) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance.  Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX  during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations.  NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX".  NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX  payoff on XX/XX/XXXX.  We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report.  Thank you kindly,XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid off the debt to XXXX and it was sent to collections to Solomon and Solomon pc which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names XXXX had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX 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 05/31/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Struggling to pay mortgage

Complaint: here is an additional to my other case  XXXX . I received this letter yesterday from bank of America. They are doing exactly what they did to me the previous time so they wont give me the modification. Bank of America are a bunch of lairs and I am so sick of they saying I did n't follow up with their paper work. I submitted everything they requested  within 24hrs and I have the faxed confirmation to prove it.

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 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX paid my XXXX XXXX bill a few years ago and I am still making payments to repay XXXX. A collection agency tried to collect this debt and I filed a complaint on your website and uploaded proof. I just saw that another new collection agency just today, reported this debt to credit agencies XXXX etc. with statement " Account information disputed by consumer meets FCRA requirements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I started receiving calls from ERC collection company about a enormous phone bill from XXXX for a period in which I did not live in the country. Besides many attempts of explaining the situation ERC posted a collection on my credit report resulting in my scores being lowered and bad credit history. Inorder to settle this matter amicably I agreed to pay ERC a negotiated payment so that they remove the unjustified report from my credit history. They collected payment from me however they now refuse any form of communication and my credit score has been below good which is effecting my decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/18/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (AZ).
Issue: Problems caused by my funds being low

Complaint: Approximately three years ago I submitted a complaint against First Niagara Bank about multiple overdraft fees that resulted in a negative balance. I refused to pay it and the account was closed.Yesterday I received a check in the mail from them stating I am due {$140.00} returned to me. However because my account was negative at the time of closing they deducted that amount and the check was for {$24.00}. Essentially they took back the fees they were ordered to return, as my account would not have been negative had they not charged me the fees that should never have been charged in the first place.. I have tried contacting them to no avail. In fact the phone number they included with the check is not viable, gives options for ridiculous questions, and they tells you to hang up. This issue has caused me a lot of grief with trying to open new bank accounts and for them to try to keep my fees in this manner after being ordered to return them is especially egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Halsted Financial Services, a debt collection agency based in XXXX, Illinois has repeatedly calling me regarding a debt I apparently owe. However they would not provide me information about the account since I would not provide them with my full Social Security number. They have called me twice on Saturday XXXX XXXX, XXXX using two different phone numbers, XXXX ( XXXX is the time of call XXXX and XXXX ( XXXX is the time of call ). 
The debt collector I have spoken with is named XXXX. He has said my name and the last XXXX digits of my Social Security number but I did not provide him that information because I do not know who he was or that of his company. XXXX also refuse to provide me with the account after I told him that I was sending his company a cease and desist letter in the mail. 
I want to seriously file a complaint with this collection agency because I have done it before with them early this year due to the excessive phone calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.

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