milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I wanted to get money from XXXX of my checking accounts, some in cash and some in an official checkI provided identificationI was told I needed to pay {$4.00} to be provided with a check before paying more money for the official checkI had no problem paying for the service of receiving an official checkI told them I did n't need a check, I just wanted access to my fundsThey said I would have to pay if I wanted access to my money in a checking account, although I could use a withdrawal slip and pay nothing if I had a savings accountTo make the foolishness continue, I said I would open a savings account, transfer the money into it, withdraw it, and close the savings account if that was what they wanted since it would be free. 
Waited on the line to open a savings account and was told I would n't be able to draw on it since the funds would n't have cleared. The clear funds in my checking accountSo I tried to close my checking accounts. They would n't let me do that since I still had a direct deposit that would be coming through before I could get it cancelled. They would n't allow me to set a future date to cancelHow can it be legal for them to refuse me access to my funds without a fee? I just wanted ( some of ) my money? They had withdrawal slips, they just choose to make them savings accounts only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying diligently to get a loan modification for the past 3 months. I have a sale date on XX/XX/XXXX. Chase tells me my loan specialist is a person name XXXX XXXX, but I have never spoke to him since I began a modification. I have submitted all necessary paperwork and followed up on a weekly basis to make sure chase has all paper work necessary for a review and to see how the modification is progressing. Chase is stalling me and I believe its because they have a sale date and by stalling until the sale date then they will not have to modify me. also they are telling me they need my child support paper needs to be physically signed by the judge. In XXXX county florida, the judges provide a true copy and do not always sign. I have explained this multiple times to Chase and they will not accept my child support paperwork. What does signed paperwork from a judge have to do with my ability to pay my loan. I have also provided several bank statements showing the direct deposit of my child support which should suffice. I spoke to the " escalation dept '' today and spoke to a XXXX XXXX who is going to ask that I be reassigned to a different loan specialist because of his failure to communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Louisiana Recovery Services Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I noticed that the mentioned collection agency was on my credit report. according to the u.s code 1618 the agency must provide, 1 a verification of debt and 2 a right to dispute. the agency must also submit to me in writing a notice of intent to report 30 days prior to reporting my personal information to any of the consumer reporting agencies. I have had no contact from the collection agency to verify debt ot to dispute the account. I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was broken in regard to my personal information .U.S XXXX Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company continues to call my parents landline phone when I have asked them to stop. They also constantly call my cellular device when I asked them to cease multiple times. 

This debt is from XXXX. I payed my final bill and they tacked a crazy amount of money for leaving their service, which I should not have to owe them a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. 
I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you help!!!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I moved out of XXXX XXXX at XXXX XXXX, in XXXX Texas, on XXXX XXXX, 2017 having provided proper notice, etc. The final bill arrived on XXXX17, about the same time a letter from a collection agency arrived ( collection agency was the following Tuesday ). The final bill was for my final utilities and such. The problem started, as mentioned, when a letter from a collection company, came just days later. The apartment complex states that if the final bill is not paid within 30 days, it 's automatically sent to collections. The final bill shows that it was n't prepared until XXXX XXXX, 2017. Then, apparently they did n't mail the letter for a week or longer so by the time it reached me, my 'grace period ' had already lapsed and it is in collections. I contacted the former complex and worked out a couple of charges I did n't believe were fair, over the course of a week. Meanwhile, I contacted the collection agency and disputed the amount and told them that I had just received the bill and was going to pay it, but to the apartments. XXXX XXXX at XXXX XXXX, told me today, that since it 's in collections, I must pay the collection agency. I do n't want this on my credit and I have told both parties that I intend to pay but I did n't have any time to pay it before it was sent to collections.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Other bank product/service) with EQUIFAX, INC. (NY).
Issue: Account opening, closing, or management

Complaint: I tried to apply for account with XXXX XXXX. I was declined because Equifax XXXX for being a victim of fraud in the past. Unfortunately, there is no way to dispute or get removed from this XXXX. Equifax maintains and sells this XXXX ( of all past victims ) because it considers them guilty and part of the problem. I have several banks reject me similarly because of this blacklist in the past. I filed complaints ( eg Case number : XXXX XXXX, however, Equifax refused to remove me from XXXX. Equifax is acting as an underground court deciding who is criminal and who is not. Equifax is not a court of law and is not authorized by any govt agency to assume all victims of fraudulent transactions as criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We requested a past due 'pre-foreclosure ' notice from Wells Fargo Mortgage XXXX so we could provide the documentation required for the timely advance of a 'hardship ' loan from our XXXX account. We are two months behind in our mortgage and if we miss one more month we will be in foreclosure and lose our home of XXXX years. On the phone originally all Wells departments refused to send us the pre foreclosure notices Wells have been sending out for years.It 's three weeks since my family first contacted Wells and we still have not received a 'pre-foreclosure ' or a substitute notice from Wells Fargo , so we can make a valid 'hardship ' claim. 
It feels like entrapment, if Wells does not supply us an acceptable timely letter in accordance with IRS rules, Wells Fargo can foreclose on our home. 
We now believe the missing Wells Fargo letter, if received may be too late to process.

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 05/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had some XX/XX/XXXX work done in XX/XX/XXXX and charged it to my Care Credit/Synchrony Bank charge card. The total of the bill was {$250.00}. When I received the bill, I immediately went online to enroll in their auto pay system to ensure my payments would be received on time and that my bill would be paid off at the end of their promotional period of their 6 month no interest/no payments plan. My payments were set up as follows : XX/XX/XXXX {$58.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} I just logged into my account online to make sure this bill is paid in full, as it should be, and I noticed that I have been receiving a late fee of {$38.00} every month and my balance is {$220.00}!!! I have made my payments EARLY every month and have never been late with this account, which I have had for years and never had an issue until now. I have never been notified that my payments were " late '' or that I have been charged a $ XXXX monthly late fee. I am requesting that Care Credit/Synchrony Bank review my account and correct my balance to {$0.00}. Furthermore, if any negative credit reporting has been done, I would also like them to correct this problem.

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 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX breach of contract. ( Account # XXXX ) I had with Contract for ( XXXX ) Phone and I Received ( XXXX ) and XXXX Phone with Wrong Color. I Returned to the XXXX and Got Return Receipt Back from Them. Order a New Phone with Right Color? Never Showed up at all. Each Time you Call XXXX? Take XXXX to XXXX XXXX. XXXX of the worst Customer Service you Can Ever Imagine. 

" Every month there is a mistake or over charge on my bill. I have to call customer service and I am on the phone for XXXX hour. It is so bad now I actually plan for it. " " I really like it when they extend the contract without your knowing and charge you almost {$200.00} to cancel the service. " " After a year and a half of being an on-time customer, I got a 'friendly reminder ' phone call to see when I would be paying my bill. I had n't even received my bill yet! When I explained as much, the woman said 'oh, we like to keep on top of these things. ' WHAT?! I finished out my contract before they could re-up it without my knowledge and switched wireless carriers quickly! " I called so many times to Resolve the issue? Never Resolved. End-up Got a Letter from XXXX Collection Agnecy for {$660.00}. Collection. I apid the Charge just to Keep my Service connected? They Disconnect my Phone for 2 Months and Ask XXXX {$270.00}. 
I end-up paying off {$1200.00} Just to Save my Credit. I have Letter from Collection agency 's Pay-off Letter. 
I need to Terminate the Contract and Need my Money Back from XXXX ASAP. 
XXXX have to Return all my Money {$1200.00} + ( My Claim Number Claim # : XXXX ) 1. Bogus Regulatory Charge will increase to $ XXXX/line. 
2. Also, I applied for XXXX Fraud Charge Unauthorized PSMS Charges ( My Claim Number Claim # : XXXX ) Never ever got Refund from XXXX. 

Now, I want cancel XXXX contract without an early termination fee ( ETF ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: Closed account XX/XX/XXXX card cut up because rep with a foreign accent wanted me to send copies of drivers license and social security card which Im not going to do. Never had a credit card company ask me for this and fear this may cause identity theft. My credit union rep issued a certified bank check XX/XX/XXXX to pay off the entire balance on my statement which was received on XX/XX/XXXX by Citicards. They claim it was returned by bank which is ridiculous because XXXX other like checks cleared just fine. On XX/XX/XXXX they called and wanted the bank checks routing # and account # off check to process and they claim it failed to process again. Note this was not paid on my personal check but on a certified bank check I called my bank rep and she said they would need the physical check they mailed back to void and reissue funds another way. I have let XXXX citicard reps know this but they keep calling and harassing me. My bank rep XXXX tried to contact citicards to get it paid but they told her they ca n't discuss my account with her. This better not affect my credit rating as we have in good faith paid the entire balance as of XX/XX/XXXX well before the due date. This is ridiculous and a tremendous inconvenience and waste of time for all. I have all documentation attached to back this up including a copy of the original certified bank check, statements and emails with my credit union rep. This kind of activity where credit card companys have free reign is why so many americans have bad credit when they should not. I appreciate your help in getting this matter resolved quickly so we can move on

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 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: my report received- # -XXXX-is violating my constitutional rights for a correct credit report and score. the bureau Experian is smearing me by embedded addresses, inquireies, and refusing to investigate the wrong negatives on my credit report. I have made contact with them numerous times and all they give is a embedded answer and nothing done ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: I received my credit card statement with notice that 18.9 % rate is going up to 24.9 % XXXX/XXXX/16. If I do not agree to they will close the credit card which will impact my credit rating. It was done for spite because I filed complaints with your organization.

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 07/23/2017 about Debt collection (Payday loan debt) with American Coradius International LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Serveral years back. A Item was sold on XXXX, which they forced the use of XXXX. Which XXXX has now purchased. after months of communication and speaking to those at XXXX. Was assured it was resolved., but I guess not. Seller filed a dispute. XXXX ( being only a middleman merchanct account ) WOULD not disclose which CC wa suse dfor purchase to appeal and fight th efalse claim. Was at complete mercy of XXXX and their decisions. The item sold was NEVER returned to me ( seller ) as per XXXX rules, but the buyer or XXXX/XXXX. Complete violation of the rules @ that time. As of XXXX-2017 XXXX balance is ) .. ( XXXX ) no negative. well ACI contacted me.. over 6 years later now., ,.. reopening the claim. Which was previously closed/setted XXXX and XXXX were both placed in collections for the account as well. As well as a lein judment against that buyer, who lives out of state MI..not VA where I reside so its unenforceable. Want this stopped and fixed. No need to drag on, and on, and on ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors  just year after year still appearing on my report I am a veteran and have a  veterans home loan but  I can never seem to reach the  credit score to obtain a loan it 's been 15 to 18 ye ars that these debts have been on my 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 08-09-2016 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against IQ Data International for IQ Data 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, IQ Data International. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016, IQ Data responded with the same information as the original letter, and no addition information proving ownership of the debt. On XXXX XXXX, 2016, consumer responded again asking for same. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: I went in to Chase Bank in XXXX / XXXX to open up a business account. The next day, the individual who helped me sent me an email and a text message asking me out. I find this very unprofessional and a breach of data. I am not comfortable going back the bank with this employee still there. I had a friend of mine go to the branch and address this with the branch manager and he was sent a copy of the text and email. When he went back in to the branch and spoke with the manager for an update, he said he informed HR of the incident. I asked if the individual is still employed there and he responded, YES. I ca n't imagine how many others this has happened to where employees are using customers phone # s, emails, etc. and asking them out, using their info for other purposes than banking operations, etc. I can not believe that a company of Chase 's stature allows this to happen and continues to employee this individual. I will be closing all my accounts with Chase. I will also notify others and recommend that they do the same.

Company response to consumer: Closed with explanation