milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with NPS GROUP (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE ALREADY TOLD THESE PEOPLE THAT THE DEBT IS NOT MINE AND THEY ARE CONSISTENTLY CALLING ME FROM DIFFERENT NUMBERS.

Company response to consumer: Untimely response
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXXXXXX XXXX, XXXXConsumer Financial Protection BureauRe : MIDLAND FUNDING LLCDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company MIDLAND FUNDING LLC that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been a loyal customer with Rushcard since 2005, NEVER IN MY LIFE HAVE I EXSPERIENCED SUCH APPALLING BEHAVIOR FROM A BUSINESS, I AM OUT {$280.00} DOLLARS I HAVE DORECT DEPOSITED FROM CHILD SUPPORT! AND LOCKED OUT OF MY ACCOUNT! HUNG UP ON WHEN I TRY AND CALL TO ACCESS MY MONEY HOW DO THEY EXPECT PEOPLE TO LIVE DAY TO DAY WITH NO MONEY ... OUR OWN MONEY WE CAN NOT ACCESS ... 10 DAYS I AM IN DIRE STRAIGHTS DUE TO THE INCOMPETENCE OF RUSHCARD, XXXX, XXXX XXXX ... ..GIVE ME MY MONEY

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: I have a Chase account which I watch very careful and I cash all of my checks through this bank rather then any of my other bank accounts. I spoke with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX amongst other times. At these times I told them that I had a check with my landlord XXXX XXXX. Several times I was told that it would be documented on my account so that I would have time to put in $ XXXX cents or around that amounts. I woke up on the XX/XX/XXXX at XXXX and there is was a message on my app that I was charged a {$35.00} fee. I am a little concerned this transaction was done XXXX which I should have had the weekend to replace that money. When I called on Saturday and ask to speak to a supervisor I was told that nothing could be done. I would really like this situation addressed and I thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Lobel Financial is harrassing me at work. I am defaulted on the loan and they have continously called me at work harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Managing the loan or lease

Complaint: I complaint to Capital one about their practices in XXXX2015 and at that time told them to close my account and to send me a final bill. They sent me a email detailing the amount due in XXXX2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time but did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what when on, so all their correspondence is one sided basically except for email and the billing notices.. People stay away from this bank worse company I have ever dealt with. could not attach in XXXX step so placing document here. The email sent when I requested they send balance. it is almost XXXX dollars now. 

Capital One Add to contacts XXXX/XXXX/15 To : XXXXXXXXXXXX Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX From : Capital One XXXX You moved this message to its current location. 
Sent : XXXX XXXX/XXXX/15 XXXX XXXX To : XXXXXXXXXXXX Check your account balance today. 








Your balance has reached {$330.00}. 




RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX account balance is {$330.00}. This balance does not reflect pending transactions. 

Please visit Online Banking to view transaction details.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with STATE FARM BANK, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: " State Farm Bank did not pay my local taxes in 2016 so I had to pay them. I contacted State Farm Bank and they said they would send me a check. This was in early XXXX. Since then, they have given me conflicting stories as to having sent the check or having not sent the check. Of course, you never speak to someone from State Farm Bank, you only get their call service. A supervisor today said the could not guarantee if I would ever get the money but if I did they would over-nite it to me. Not very reassuring.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent SEVERAL letters to Equifax requesting that they investigate and have only been met with responses containing semantic responses in an attempt to completely stonewall me in my multiple attempts to get this inaccurate information removed from my Credit Report. Each and every item in the attached letter is completely incorrect. I have contacted each of the data furnishers directly and have had no cooperation, and each and every company has had a lawsuit filed against them by me under FCRA and FDCPA by an attorney who represents consumers that have been wronged by financial institutions, which is why I am now holding Equifax responsible. 

The data furnishers can not prove that these debts belong to me, which again is why I am now turning to Equifax. 

What can Equifax show that shows these accounts belong to me and that they have conducted a proper investigation? 

I have contacted Equifax at least three times by certified mail. I do not want to sue Equifax, money is not what I am after, but if need be, I have been advised my a consumer protection attorney that my case is an individual case and could be a class action, both at XXXX out of pocket cost to me. 

I do n't know why I must spend so many countless hours trying to get Equifax to remove and correct these items. I am very upset by Equifax, and they are causing me a lot of stress. I feel like Equifax does n't even actually read the letters it receives. 

I have researched each and every item in the attached letter, and I 'm am hoping that Equifax takes this matter seriously and conducts a proper investigation. I do not want this issue to be handled by XXXX either. I need an actual person to take a real interest and conduct a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Credit card debt) with Modlin & Associates, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National cr edit Systems   XXXX   XXXX   XXXX   XXXX , ga  XXXX  on  X/X/2017    was given a call in reference to work out payment arrangements on behalf of my niece. I recorded and informed the representative I was speaking to by the name of  XXXX   XXXX  who was the only representative that I was ever able to speak to. While speaking to  XXXX   I a sked him for our options outside the balance in full and let him know I made a {$5.00} payment on the account via debit card on  X/X/17   .  XXXX  then asked me what was I expecting to attempt making that payment. I informed  XXXX  the payment was made because he had threatened to attempt to garnish her wages.  XXXX  then said their calls are recorded and I said so i s this one t hen  XXXX  said he has to terminate the call. I attempted to call the company back multiple times but kept getting forwarded to voicemail. The representative also threatened the consumer with not be able to get student loans because of this which is totally false. I work for th e   XXXX   XXXX   XXXX  . So I left a voicemail on the representatives machine letting him know I will be filing a complaint with the Attorney general and that since they will not accept payment nor arrangemen ts we will consider this debt as paid for. Then I moved forward from there to file the complaint. I believe was this agency is trying to do is agains t the Unfair Deceptive Acts Abuses and Practices act also. Plee let me know what to do forward. I do  still have the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2015, XXXX XXXX XXXX, ( my bank ), paid {$1000.00}, on my behalf, all for XXXX XXXX. {$520.00}, for XXXX XXXX mortgage, {$500.00} extra to principal. Carrington Mortgage Services, applied extra {$500.00} to XXXX XXXX. Statement instructed me to pay {$27.00} balance for XXXX XXXX. 
I telephoned, they promised to fix. 
XXXX XXXX, 2015, XXXX, ( my bank ) sent {$1000.00}, all for XXXX XXXX, to Carrington. Statement from Carrington tells me to pay {$520.00}, XXXX 's mortgage by XXXX XXXX, or I must pay {$17.00} for late charge, for month of XXXX 2015. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off. 
7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number. 
I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to. 
Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest. 
XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ... 
I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did. 
No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with On-Site Manager, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I just got my report and it says I have an record for forgery several times, and that I have a aka of XXXX XXXX. This is not me. 
1st I was XXXX years old and still in XXXX, Living with my parents in XXXX and XXXX. 
2nd in XXXX I was in XXXX in XXXX, XXXX. 
3rd I have never lived in XXXX or anywhere close to there. 
Last I have a middle name XXXX or an XXXX. in my name. Although I understand there can be a XXXX XXXX with the same birth date, It is highly unlikely. not to mention but, we would not have the same social security number. 
If we do have the same number, I am reporting this forger has stolen my information considering this XXXX XXXX is a forger. Can you please verify this is not me Please. 
Thank You, XXXX 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 12/18/2016 about Debt collection (Medical) with N.A.R., Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX 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 09-06-2017 about Mortgage (Conventional home mortgage) with Deutsche Bank (NV).
Issue: Trouble during payment process

Complaint: Federal Law gives me the right to notify DEUTSCHE BANK of errors regarding the servicing of my loans which resulted in the foreclosure of my property. I previously filed a complaint : CFPB # XXXX which is still open. Deutsche Bank has stated they had nothing to do with this loan, and that XXXX is at fault not them. XXXX has hired lawyers and we are in contact with them. They do not represent Deutsche Bank. Deutsche Bank has been " unthruthful '' to both the CFPB and XXXX XXXX. Find attached the recordings made at the recorders office in XXXX, California showing their involment in this FRAUD. I am requesting full accounting regarding this loan and requesting CFPB take a look at all prior letters from Deutsche Bank for more violations.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All of my personal data was potentially disclosed without my control or consent. I have no control over the information given to Experian and they failed to hold my information securely. I now have a burden to watch my information and respond to potential identity theft for the rest of my life.

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 08-11-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased a faulty watch with my kay outlet jewelers and now they do not want to take the return even though the watch is faulty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation