milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Debt collection (Medical) with ALLOCATED BUSINESS MANAGEMENT LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The bill collector originally called my father and the message was passed on to me that this person keeps calling even after my father communicated that it was wrong number. 

I called office and someone just answered with " hello. '' I had communicated that someone was trying to call me and that I did n't know where I was calling. The female then transferred my call to the collector. 

I gave the gentleman my name and told him that they needed to remove my dad 's number from their system. He then cut me off and asked if my dad 's name was XXXX. I did n't want to give my dad 's info so I did n't answer and told him to take out number. The collector then said " Your father said he did n't even know you, just thought you should know that. '' I was taken back and asked what the point of his statement was and he just said " well, just thought you 'd like to know that he said that. '' Then he asked me if I remember seeing a Doctor back in 2015. I said, " I saw a lot of doctors. '' Then, without even verifying any more info, he completely disclosed what the bill was, who it was for and asked how I wanted to pay it. I said " Yo 're not even going to verify last 4 of my social? '' He then replied " you already verified yourself as XXXX but I have the full thing in front of my face '' " Last four XXXX and then gave me my birthday ... Then asked again, how I wanted to pay the bill or was I refusing to pay. I explained that he did n't give mini miranda or call disclosure and did n't properly verify my info. He laughed and asked if wanted to complain to a manager. I agreed and spoke to manager. Again, without disclosing who I was, he tried to get me to pay my bill. They did n't verify anything or disclose anything.

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 06-10-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: my bank is letting fraud checks through even after i made them aware and froze my account

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/17 my checking account with Huntington Bank had an unauthorized charge was stolen by XXXX XXXX. I had no agreement, contract, or authorization for him to charge my account. 

I cancelled the transaction with Huntington Bank and was refunded the amount. 

XXXX XXXX has come up with a very elaborate story " affidavit '' about way he stole the money. This is not an agreement with me. Huntington Bank has now took the transaction back based off this. And now my checking account is in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In late XXXX I contacted Wells Fargo Home Mortgage regarding a loan modification after several months of unpaid medical leave of absence. They advised me to just " pay what I can '' and that since I would be going through the modification process that I would be reported to the credit bureaus as paying under a " payment plan. '' This is in line with what they did in XXXX, when I modified as well. I entered into the trial payment plan, made each as specified, but I didnt complete the modification as I brought the mortgage current on my own. Wells Fargo lied about how my payments would be reported. Though they reported them correctly during my modification XXXX, this time they reneged on their promise. They reported me as 30, 60, and finally 120 days late, despite the fact that I paid them exactly as specified under the modification terms. This has wrecked my credit and put me in an awful predicament.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was contacted by the company Navient in between the hours of XXXX and XXXX yesterday. I was speaking to a young woman at first and our conversations have gone the same way since XX/XX/XXXX : that I can not pay a full settlement. My issue with not being able to pay is not the focus of this complaint, as I asked this young woman to please call me back at XXXX as I was driving in heavy traffic and I was not in a position to discuss my income or my situation. While at a very busy intersection this young woman was interrupted by a man named XXXX XXXX. He stated it was policy to monitor the calls as he stepped in to 'take over the call '. At that point I felt as if I were being three way called by an XXXX grade bully with enough lack of rhetoric that his title as 'supervisor ' is questionable. I was bombarded immediately with every time I had supposedly dodged this company. This man did not pause in his speech waiting for anything I had to say. He spoke AT me. Not to me. This caused me to pull my car over and nearly have a nervous breakdown while I entered into a yelling match with this man. I do not normally speak to creditors this way but his approach is what caused it. I asked his name. I even asked how old he was, to which he asked me 'What does that have anything to do with this? ' I asked this because I did not feel as if I was speaking to a supervisor of a company that handles more than XXXX in student loans, I felt as if I was being attacked by an XXXX thrown into the role of assistant manager at a nearby XXXX XXXX XXXX store. This company calls my father daily and I fear every day that he is going to have a XXXX XXXX from their calls. If supervisors of this company speak to people this way and attempt to collect in this manner this needs to be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Bank of America in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Billing disputes

Complaint: Since around XXXX, I 've held a Bank of America credit card. On XXXX XXXX, XXXX. I presented it in a branch in the XXXX area. I explained that I wanted to payoff and close the account. They gave me the payoff number ( {$1200.00} ). I wrote them a check, which cleared the next day, for that amount. They said I had to actually close the account over the phone, I verified with the staff that if I completed these steps, the process would be complete, and I would n't have to do, or pay, anything else. I called their call center the next day and closed the account. I verified with the CSR who closed the account for me that I would n't have to do, or pay, anything else. 

On XXXX/XXXX/XXXX, I got an email with a new statement. I checked it to ensure I did n't have to do anything else, and that the balance was {$0.00}. It was n't. BoA had charged me {$23.00} further interest. 

This is unacceptable. I paid off the account, closed it, verified twice that the process was complete, and they still charged me interest against a closed account. If they 'd have told me when I wrote them the payoff check that it 'd have been another {$23.00}, I 'd have paid it. They did n't. 

As we agreed, I consider this account closed, and I do not owe them an additional {$23.00}. Please help me have this debt removed from my account, and from my general record.

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I got an  American Express - Bl ue for Business Card, ( it was Interest free for the Ist year )  XX/XX/XXXX , The first payment was not due til  XX/XX/XXXX . I went into hospital w/   XXXX   XXXX   XXXX   XXXX  , I called when I got out and told them I would pay, Obama law says I have 21 days to pay. I did then later pay. {$36.00}. with in limit. then later they stared charging me interest and it got worse. I did not get statements after  XX/XX/XXXX . Then I g ot one statement and they were charging me 75 % interest out of {$100.00}.  Almost everything was going for interest and nothing to the principal. After  XX/XX/XXXX  I made payments total a bout 1000.00 dolla rs and almost everything went to the interest.   I did not get a couple of statements. I called the up at end of  XX/XX/XXXX . I told them I am not in penalty. never. I always paid on time or called. Some one it sealing there money or scraping the  pot. ( so  to speak, Because all that money I paid has gone to interest and not the principal. I did spend a little on the card but I Paid over {$100.00} every time or more.   They never sent me statements I have few, but they are lying and fudging numbers.   I never got anymore statements. I paid twice this last month, {$100.00}. I paid card to get it out of hock. Then they only credited me Like {$72.00} -- This is not rig ht,    XXXX   XXXX   XXXX   XXXX   I have bank statements to prove payments.  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: We challenged the alleged debt from Ocwen. We sent numerous debt validation letters to Ocwen Loan Servicing on XX/XX/XXXX. We received correspondence back from Ocwen on XX/XX/XXXX stating that they are still researching and they will respond within 10 business days. The following nine days, we received a second notice on XX/XX/XXXX showing an Escrow printout. We received a third notice dated XX/XX/XXXX showing that the loan originated on XX/XX/XXXX by XXXX XXXX XXXX, a Delaware corporation, for the amount of {$340000.00}, which is no longer in business. According to my research pertaining to Ocwen Loan Servicing, they are now listed as a third party debt collector and have numerous lawsuits filed against them, so therefore, they need to be fully investigated before initiating foreclosure. In regards to Ocwen Loan Servicing we  received a copy of the Deed of Trust, the 1003 Uniform Loan Application and the HUD1 Settlement Statement and the alleged Note. So according to the documents received, we noticed that the loan is in a predatory, truth in lending and RESPA violation according to the real estate laws. This loan is an adjustable rate mortgage which falls under predatory RESPA and truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I have been in communication with Credit Service company Via certified mail regarding XXXX collection accounts. I have requested validation from Credit service company, and in response they have sent me a statement for both accounts. I have absolutely no knowledge of the following company's:1- XXXX od XXXX2- XXXX. 

I have explained this to Credit services Company In which they refuse to investigate. I have contacted the credit bureaus in return thay have stated Credit services company has validated the debts. I attempted to contact both XXXX XXXX and XXXX which referred me back to Credit Services Company. I have been in dispute with Credit Services COmpany for months with no response, Now they keep demanding money to these debts that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with flag star they will not pay my taxes. I have called several times with no answer to questions.

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 01-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: I opened an account with USBANK only to retrieve cashers ' checks to move into my new place from Oregon to XXXX XXXX Nevada. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX 2 times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is XXXX ; my credit should never have been pulled. I feel I was tricked and deceived. I filed a complaint on the wrong bank previously. My mistake it is USBANK. I received a call from a XXXX whom stated it would filed, yet I have received no future response stating my credit has been cleared up with the Credit Bureaus. the only thing that was resolved is the credit line is gone. I need my credit reports to reflect I have all my points back with no Inquiry from USBANK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian will not delete an account ( XXXX XXXX ) that is clearly reporting incorrect information. On XX/XX/XXXX I disputed inaccurate data -XXXX XXXX account reporting as charged off when it was in fact discharged in a bankruptcy in XX/XX/XXXX ( public record appears on credit report ). Experian did not remove data. I followed up with a written request and Experian still will not remove data.

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 12/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On theXX/XX/XXXX I transfered XXXX to Coinbase from my bank account ( XXXX XXXX, which should take 2 business days, as it was a XXXX. My bank says that coinbase have the money, but it is not showing on my Coinbase balance.

I have contacted Coinbase, and logged this issue with them ( XXXX ) I did this on theXX/XX/XXXX They sent me an email back which was of no help, saying just to wait and see what happens. 

I am very worried that I have been a victim of fraud. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with BB&T CORPORATION (FL).
Issue: Billing disputes

Complaint: bb and t banks and credit card issuer numerous problems ongoing basis such as failure to give credit for cash payments made until at least two days later ; failure to monitor online giving of new bank accounts resulting in identity theft to us and not assisting in any way other than to provide XXXX toll free hotlines -- -- XXXX dollars was taken from our church account the moment they issued XXXX new bank accounts to criminals online with little or no safety protections for bank and credit clientele ; numerous credit care issues reported to them on phone and e mail and in certified mail -- all to no avail ; improper interest charges when card was current ; imposing overuse and penalties thus causing the account to go overlimit and then charging fees and penalties for that ; failure to be responsive to valid card inquiries ; failure to remove improper and unauthorized charges ; failed to send me a consumer credit agreement upon the giving of credit ; excessive use fees charged illegally ; failure to abide by state and federal laws for florida federal such as florida unfair and deceptive laws to protect consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My current credit score reflects delinquent payments in regard to my federal student loans. I was unaware that they were coming out of deferment as I was still enrolled in school at the time. Due to being unaware of this, I missed one payment in XXXX 2016. This ONE missed payment is listed several times on my credit report due to not being consolidated, and has had serious implications on my credit score thus hindering me from being able to rent a new apartment or house. I understand if it were listed as one missed payment, however having it listed as a delinquent payment several times has greatly effected me in all areas of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed
Consumer complaint received 03/29/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Rewards

Complaint: I applied for a Marriott rewards business card from Chase bank because they offered XXXX points as a sign up bonus. In the fine print it stated that the bonus would not be given if I had had this card in last 24 months. I assumed that if I had this card in the last 24 months my application would be denied but it was approved so I thought I would be getting the bonus. XXXX-8 weeks later after I had already spent XXXX dollars to get the bonus they told me I had did not qualify for the bonus. Chase should make it more clear in the application that someone could receive the card but not the bonus and they should tell the consumer right away not 6 weeks later. I feel like I signed up for XXXX credit card product with certain benefits and was given another product with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several inquiries that are showing on my report - I did not authorize any of them. Please see attached letter enclosed, along w/my drivers license and social security card, for identity purposes.

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 09-04-2017 about Debt collection (Other debt) with ProCollect, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.

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