milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Debt collection (Payday loan) with Integrated Recovery Services (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of 2 companies, but when forwarding the information to me, it only referred to 1 company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either one. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX  New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I purchased a XXXX from XXXX in XX/XX/XXXX, although I never received the item I was being charged for the item along with interest through my XXXX statement. 

I finally received a refund XX/XX/XXXX for merchandise but then was charged a late fee for not paying the minimum payment which included the approx {$2300.00} of the spa never received. I contacted commenting and they gave me a credit for a late fee and some of the finance charged accessed said I was to pay {$69.00} dollars in XXXX payment I made a {$70.00} payment the company charged me yet another late fee and reported my account as delinquent to credit bureaus. 

I believe fraud has occurred with my account since the beginning as I only charged {$1500.00} on this card yet I owe {$550.00} in XXXX year of making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2016 about Debt collection (Payday loan) with BlueChip Financial (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I want bank of america to release my earnings faster

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 11-09-2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay

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 03/26/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with First Data Corporation (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not  approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with 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 12-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections. 
It was a collection notice for an XXXX account. 

Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him. 

Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection. 

I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious. 

Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it. 

I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 09/27/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX XXXX, have applied for a loan modification with Citi Mortgage and after 60 days I still have no decision nor do I feel like my application is even being looked at. Today I called in to check the status of my modification and a supervisor in the mortgage assistance unit by the name of XXXX XXXX ID # XXXX told me that there is no time frame for a loan modification review which baffled my mind because to my knowledge they have 30 days after receiving a complete loan modification package to render a decision. I 've been told before by other reps at Citi Mortgage that it takes 30 days and we 're approaching the 30 days and to be patient that there would be a decision. On the Citi Mortgage website specifically on this page https : //www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do? page=troublepayment it says that a review takes 30 days after a complete package is received. I submitted a complete package on XXXX/XXXX/2016 and confirmed it was received and a review was opened on XXXX/XXXX/2016 by XXXX XXXX at XXXX : XXXX. She is also the assigned specialist on my file. I 'm very upset that a SUPERVISOR would tell me today XXXX/XXXX/2016 after having my complete file for almost 60 days now that there is NO time frame for a loan modification review which seems false to me according to citi mortgage 's own website! This is unacceptable! I 'm falling further and further behind while my file is just sitting on someone 's desk not being looked at, I also do n't appreciate the fact that XXXX XXXX XXXX ID # XXXX who claimed to be a supervisor after I asked to be transferred to a supervisor and got XXXX XXXX on the phone that there is NO time frame for a loan modification review. This has shocked me and caused an incredible amount of distress. They say they 're here to help then treat struggling homeowners in desperate need for help like XXXX XXXX XXXX did to me. This is extremely unacceptable and I would like to get the honest truth about if my file is really with an underwriter or not and if so, I would like to be treated fairly and have Citi Mortgage comply as I have with their requests and to give me a decision in a timely manor which they 've failed to do and not only that, they 've added distress to my already difficult situation.

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 09/25/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MT).
Issue: Taking out the loan or lease

Complaint: At XXXX a year and very little bills, not understanding denial reason of excessive obligations in relation to income. Typical reason reserved for minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Associated Credit Services, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Other transaction problem

Complaint: chase let someone use my card still refuse to return my money after many attempts they have violated my consumer rights and i want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Credit line increase/decrease

Complaint: The credit line on my Discover card was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances, and no payment on my Discover card. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. For example, whatever was due on my Discover was due to fraud, and the Discover fraud department cleared all the unauthorized charges to bring me to a XXXX balance. My credit bureau report as of now shows XXXX balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Discover should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Discover reinstate my proper credit line of {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX- Just finished a 5 year chapter XXXX to save our home. Upon coming out of the chapter XXXX we did not receive any bills or documentation stating SLS purchased our loan from XXXX XXXX. In XX/XX/XXXX SLS finally stated they were our mortgage company and made us fill out a total of 8 loan modification packets always coming back unfinished. We finally made them send us the previous bills and the month we got out of our chapter XXXX we still owed them the same amount we went into for XXXX. Now they are taking my home and I just want to safe my home and they will no longer speak to me and I also put my attorney on my account to speak for my behalf and they refuse to speak with her. I am in a catch 22 because now they wont speak to either one of us and in my heart there is no way to safe my house. I am desperate to safe my home. Please help. 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 explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX XXXX XXXX  has sued me for a Bank of America credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX address : 1XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that XXXX have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. XXXX will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.

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 08/16/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Customer service / Customer relations

Complaint: I have XXXX had until yesterday XXXX a Dillard 's credit card, which is administered by Wells Fargo. I generally have paid my bill for Dillard 's online, and have typically received an email confirming my electronic payment. This month, Wells Fargo also sent a letter by mail to confirm scheduling an electronic payment. 

On XXXX I called Wells fargo to request that they not mail a confirmation to me in the future, to stop sending paper, and was told by a supervisor XXXX XXXX XXXX that by law they have to send both an email and a hard copy letter. 

I asked why they are held to different standards than other credit card companies ( this is Wells Fargo XXXX. My accounts with XXXX, XXXX, XXXX all confirm my payments by email - they do not also mail confirmations. Wells Fargo insisted that all credit card companies also have to mail confirmations every time an electronic payment is made, and that this is mandated by law. This made me question why I do n't receive these from my other credit card companies. 

I was curious whether this was true - so researched further. What I learned, and then confirmed on XXXX with a different Wells Fargo supervisor ( XXXX XXXX, that this is not law, but simply Wells Fargo policy. Wells Fargo chooses to mail me a physical confirmation every time a transaction takes place. 

The law only requires that a credit card company mail to me the first time I pay online. For Wells Fargo, the only paper I can request to stop is the delivery of credit card statements and catalogs. 

I told the supervisor that I happily forgo the pleasure of carrying a Dillard 's card in order to avoid the paper. 

I did n't like the lie told to me by the first supervisor - until questioned further, the supervisor claimed this as law, not policy. Big difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX the XXXX I sent a letter via certified mail to XXXX XXXX XXXX XXXX asking them to validate a debt that they reported on my credit report and to provide me with my signature. By law i have that right to have the debt validated. XXXX XXXX XXXX XXXX received my letter on XXXX XXXX and around the XXXX or XXXX of XXXX i received a letter back stating that they were unable to locate XXXX XXXX in their systems. If they were not able to locate me then why are they reporting to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My account was closed due to a financial hardship.

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 03/16/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have a mortgage with PHH Mortgage in XXXX, XXXX. Due to a change in circumstances, we got behind on the mortgage and were getting letters in XX/XX/XXXX and XX/XX/XXXX from PHH 's lawyers advising that they were going to foreclose, so we walked away in XXXX XXXX and advised PHH of this expecting the foreclosure to be imminent. In XX/XX/XXXX as no foreclosure had yet taken place, we decided to try to arrange a short sale. I contacted PHH several times to obtain details of the company who were responsible for maintenance of the property on behalf of PHH. I never received any callbacks from the account manager despite numerous calls and emails. I even sent generic emails via the contact form on their website and received replies saying the account manager would contact me, but it is now XX/XX/XXXX and still no contact. As my wife is XXXX and I am relocating to XXXX a short sale is no longer an option. Meanwhile the property is deteriorating, and we are still responsible for paying certain bills until a new owner is found.

Company response to consumer: Closed with explanation