milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX debit card refused for food to go. On XX/XX/XXXX Account balance shud have been over {$700.00}. Contacted Suntrust and was made aware of many check card purchases leading to overdrawn balance. Submitted fraud claim XX/XX/XXXX. Much contact and submitting of claim forms, police report etc has followed. All result in letters stating SunTrust denies the claim. I have notified them of the fraud the same day I became aware of it. The first denial letter is dated XX/XX/XXXX. The charges and loss of all funds are due to criminal identity theft and this account is one of many challenges I face as a result of the criminal who has victimized me.

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 10/23/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Closing/Cancelling account

Complaint: I had a CareCredit account through Synchrony Bank. I just received notification that my account was closed due to inactivity in the last 12 months. Given the nature of the account being for medical needs, I never would have thought I needed to use it within a specific period of time to keep it open. How can I plan when medical needs will arise? Of course, now I do have a procedure scheduled for which I was planning on using this account however when I called to ask to have my account reactivated, I was told that was impossible. If it 's possible to close it, how is not possible to reopen it? My letter clearly states the closure was not based credit behavior. I also want to point out that I was not notified my account was scheduled to be closed so I had no chance to request it remain open. When I questioned the lack of notice during my call with Synchrony, I was told they did notify me with a letter telling me account was closed. What good does it do me to notify me after you already have closed my account without having the ability to reinstate it. Account closure letter dated XXXX/XXXX/15, received XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted. 
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer. 
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt. 

You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC is servicing my mortgage. since XX/XX/2016, my monthly mortgage payment has not been properly issued by Ditech. due to this abnormal action by Ditech, my mortage was past due XXXX times already. I had to call their customer service to ask for correction. despite their promise, the issue has not been resolved. XXXX today ( XXXX/XXXX/2016 ), I just have received a call from a Collection agency, accusing me my mortgage is past due! It 's impossible since I paid full amount ( see the attached payment record from XXXX XXXX XXXX ). I asked the person from the collection agency to transfer the call to Ditech customer service. Ditech customer service person first accused me my mortgage is past due, then, I educated the person to see my payment history. It was totally messed up. please see the below my recent payment history ( also attached ). note that this is not the true payment history of mine and that the Ditech has already modified it. Although the Ditech customer service person said they will be going to review/correct this and update me about it, I am not convinced of it since they already failed the same issue three times in the past three month of billing cycles! 

Date Description Amount Current Principal Balance XX/XX/2016 Reallocation {$810.00} {$100000.00} XX/XX/2016 Payments {$1700.00} {$100000.00} XX/XX/2016 Payments {$0.00} {$100000.00} XX/XX/2016 Payments {$83.00} {$100000.00} XX/XX/2016 Payments {$1600.00} {$100000.00} XX/XX/2016 Payments {$780.00} {$100000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Credit decision / Underwriting

Complaint: Applied for a loan with Ditech mortgage and have not received anything in writing from them. I did talk with XXXX XXXX and he said that it had been declined and they were looking into another loan situation for me. To this day I have not heard anything. 
I called and left several messages for a supervisor by the name of XXXX XXXX @ XXXX in the refinance dept., but I have not received a call back. Also the person that took my application by the name of XXXX XXXX will not respond to my calls. 
Can You please help me get a letter of status concerning Loan # XXXX with Ditech Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
My mailing address is XXXX. XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Managing the loan or lease

Complaint: I have a car repo and take i feel that just take my money i put XXXX dowm payment when we sstar the procces i say that i only have XXXX for down payment but they releaseme a car but later they cant aprove because i will need more ddaw payment i say i have XXXX but later they say not enouhg that i will need a least XXXX that i say ok i was driven thr car already they put in 3 payment XXXX +XXXX+XXXX when the XXXX payment i dont make i recieve a call that i have to pay or they will come for the car and then a month pass and i recieve a call from finance loan that i dont was aprrove i call dealer and they say is ok i olso buy a GAP insurance i dont know why if i have XXXX deductible but the problem is that i buy the car and was no condicion i have to expend XXXX on alternador amd battery new but the worsh is they use something that when the day after i dont make a payment they kill the car i can drive how they want me to pay if i dont move arround to work because they dont let me drive and by the end no was two months amd finaly they come for the car a police plate in the neck nock my door and say that he will take the car amd if i dont move the my other car he will use the force i was checking the XXXX and i get other vin check and no mach wath they give me i endent paying about XXXX and i still dont know where to claim can i do something about?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with First Data Corporation (NC).
Issue: Problems caused by my funds being low

Complaint: I used to have a a Merchant credit card services through them, but the contract has been expired and I call them and I get a return address from them and I mailed the product back to them. Last month I check my account and they still taking money from my account and I told them to stop and i call XXXX XXXX bank and I ask them to step in. I never receive any feedback from them. 
this is the Merchant ID : XXXX and this is the lease number : XXXX and this is the USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I got the return address from them and I took it and stick it in the return box. I call them and explain to them and they try to tell me the merchant went to a wrong place. i ' m getting sick and tired of this game I need help because they are not happy with me because ii report the wrong doing they have been done to people in this country. I is a rigged system and I ask for help and I deserve to be protected. it is wrong and wrong

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XX/XX/XXXX - finally XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX XXXX which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: Purchased my home for XXXX in XXXX/XXXX/XXXX and Wells Fargo has my mortgage loan. Interest rates were above 5.75 % and in XXXX was able to refi at XXXX. I was told it was under HARP? Now, that rates have dropped again ; I contacted Wells Fargo and an agent quoted me 3.87 % on XXXX/XXXX/XXXX ; loan balance was XXXX. After turning in numerous documents, tax reports etc., I was denied due to " debt to income '' being above XXXX %. The loan payment is {$1600.00} and the balance as of today is {$290000.00}. PAYMENTS HAVE NEVER BEEN LATE. PROPERTY TAXES HAVE ALWAYS BEEN PAID ON-TIME. PROPERTY VALUE IS XXXX. My income comes from Social Security, XXXX XXXX and City of XXXX thru XXXX XXXX who handles my required minimum distribution ( RMD ) which this year was $ XXXX+ with a balance of {$98000.00}. I showed proof of ability to increase my income by increasing the XXXX but was denied. By lowering the interest rate from 4.75 % to 3.87 % INCREASES my income by $ XXXX+ monthly. Please help. The major negative in my credit is a " shortsale '' of a Florida property that I bought in XXXX with XXXX ; that turned out to be a MAJOR financial loss for me. The property sold in XXXX. I DO N'T WANT ANY CASH OUT!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.

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 01-06-2017 about Credit reporting () with CORELOGIC INC (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

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 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was notified of this supposed debt by the collector. I contacted my cell phone service provider, XXXX, to inquire about its origin. They initially told me the debt had already been sold, so they no longer had access to my account. I asked to speak with a supervisor and was put on hold until the toll-free number hung up on me. So I called back. The next customer service rep accessed my account, and told me that when my girlfriend and I combined accounts, my account was canceled, and the remaining balance on the phone I had purchased had not been transferred over to the new family plan, as they call them. I called the collector back. The collector representative said the balance due was from XXXX services that had been billed to me incorrectly after the combination of accounts. I called XXXX back to verify. The XXXX representative I talked to said that I had only been billed one month 's service in error, and that half of the balance in collections was my final bill generated after combining accounts with my gilfriend. I was told they would submit a claim on my behalf, correct the balance, and then I could work with the collector to pay off the remaining balance due. One month later, I receive a letter from the collector that says they discussed the matter with XXXX, and XXXX had rejected my claim. That same week, the agency reported this debt to the credit bureaus. I am convinced that this is all due to a clerical error on XXXX 's part, that I do not owe anything, and that it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (CA).
Issue: Rewards

Complaint: For the 4th time, I have called this bank today about a discrepancy in the sign-up bonus on a credit card. This stemmed from an error on their website where the promotional code for the bonus did n't seem to be included with the application. I immediately called them two weeks ago on XX/XX/2017 when I noticed the issue after completing the application. They told me they were taking notes on my account about the promotional code XXXX for XXXX miles and not to worry, that I should call back once the credit card is approved and they can add it ( the second time was when I got conditional approval but I was asked to call back again ). I called a third time when the card was actually approved and they asked for the code and said it was no problem to apply it to the card and that they would. Now, since I only received XXXX points and not the XXXX I was expecting, I called again and asked why there was the discrepancy and why the code was n't applied. The agent claimed there were no notes on the account about this but he had sent a request to his supervisor to apply the code and adjust for the the extra XXXX miles. I have no faith at this point they are doing what they claim and telling the truth where they actually attached the code to the account and will reward the proper amount of miles and feel I have no other option but resolution by this means. I have full records of all these 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 non-monetary relief
Consumer complaint received 02/23/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (PA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, XXXX, I submitted a bill payment using my American Express Bluebird account to my daughters ' XXXX. According to American Express Bluebird, the check was cleared on XXXX XXXX, XXXX. However, after speaking to the payee ( the XXXX ) in late XXXX, I was informed that she never received the check. She verified with her bank records and no deposit in that amount was ever made. We believe the payment check was stolen from her mailbox and deposited fraudulently. I subsequently contacted American Express to file a payment dispute on XXXX XXXX, XXXX, which was denied 24 hours later. I contacted American Express again to inquire why the claim was denied, and the customer service team could not provide a reason but told me that I would be receiving documentation regarding the dispute in the mail. More than ten business days elapsed with no documentation having been received in the mail. I subsequently contacted American Express Bluebird again, and they said they would send me the dispute documentation in the mail immediately. It is now XXXX XXXX, XXXX, and I still have not received any documentation regarding the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Customer service / Customer relations

Complaint: refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Medical) with State Collection Service, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice in the mail from State Collection Service Inc. with phone number XXXX. The letter was dated XX/XX/2016. It stated this communication is from a debt collector for a past due account from XXXX XXXX Hospital with service date XX/XX/2016 in the amount of XXXX. Per my bank, my check for payment of this account was cashed by the hospital on XX/XX/2016. I spoke to XXXX at State Collection Service and stated these facts. Her response was if the hospital had received payment from me on XX/XX/2016 then they would not have reported it to State Collection Service Inc. I replied I have a copy of the cancelled check so they had not only received it, but had cashed it and it had cleared my account by XX/XX/2016 which was 8 days prior to the debt collector mailing me the debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am receiving NUMEROUS calls for someone named  XXXX   RPM (  Receivable Performance Management ) at phone number  XXXX . I am NOT  XXXX  nor do I know a  XXXX . I have had my phone number for 9 years such it is unlikely this was  XXXX  's number. RPM continues to call me about a debt  XXXX  owes. When I tell them I am not  XXXX  they hang up. When I call back they put me on hold  for 3 minutes, pick up and immediately hang up. When I call from a different phone and get through to a person  and explain the problem I get put through to a voice mail  of a manager that is full and at which time the system automatically hangs up on me. It is tiresome harassment that I have on multiple occasions tried to correct. PLEASE MAKE THEM STOP.

Company response to consumer: Closed with explanation