milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with P&L Acquisitions LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Hello Sirs/Madams : There are three issues associated with the illegal attempts of   XXXX   XXXX   ( not an attorney ) that need to be looked at.
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( A ) My only debt is from Credit Card Debt dated  XXXX , and I am sure that no C.C. debt can be collected this far out.
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( B ) I filed a Bankruptcy in   XXXX   in the State of Maryland where all my debt occurred : Case No. :   XXXX   was a Chapter  XXXX , IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF MARYLAND - at  XXXX  - SO ORDERED Entered : XX/XX/XXXX  ; Signed :  XX/XX/XXXX .
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( C ) Finally, I am a veteran drawing  XXXX  pay at 70 %, and according to the Code of Federal Regulations - 5301, no civilian, no matter what the circumstances is allowed under our Law to collect a debt from a Veteran, who is drawing Federal Money for Comp and Pension ; this matter is very easy to look up online.
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The individuals who have been relentlessly wasting my time, hounging me and making threats for months are claiming that I must pay them {$22000.00} from someone called   XXXX   XXXX   XXXX  , which I do not recogonize. The debt is a sham, and I believe that a crime is in progress. The individuals continue to come at me from different directions, but they are the same GROUP.
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The last time is it someone by the name of   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , CAL  XXXX  from telephone  XXXX .
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He claims litigation notice - Case No  XXXX   XXXX  , as   XXXX   XXXX   XXXX  . vs.   XXXX   XXXX  .
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The attorneys who handled this case were :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Maryland  XXXX .
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They have all tried to collect the debt in   XXXX    of this year, twice in  XXXX ., they were reported every step of the way, and again in  XX/XX/XXXX , using the account number   XXXX   XXXX   - no matter how many times I report them, and they are admonished by BBB or others, they still continue to make Illegal threats of all kinds and continue to file claims or that is what they have said, who knows what is true with this group.

Company response to consumer: Untimely response
Consumer complaint received 04/25/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication. 
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now. 
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it. 

Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming.. 

I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account. 

Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.

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 10/20/2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Other

Complaint: Today, XXXX XXXX 2016, I received a call from a gentleman working for XXXX asking for payment on a XXXX account I apparently had 2 years ago. I agreed to make payments IF they send me a letter of agreement to remove the debt from my credit report. The gentleman told me I was responsible for calling the credit bureaus and having them remove the account myself. It has always been to my understanding that once the debt is paid, the collection agency is to remove it, otherwise it will still affect my credit. Also, I have not received any notice in writing pertaining to this debt or proof of this account, just harassing phone calls asking me for my bank information for payment to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Payday loan) with BlueChip Financial (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Title loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: car has a 1yr & payment or interest has n't gone down

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Medical debt) with Data and Contact Management Solutions, LLC (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I informed DCM Services that ( 1 ) The person owing the debt has XXXX and his estate is broke. I gave them the name and phone number of the Attorney handling his Estate for Probate/ informing DCM the above information in late XXXX, 2017.
( 2 ) During at least 2 phone calls DCM made to collect the debt, I informed them the estate has no money to pay these bills. I also reiterated that I had hired an Attorney to settle his Probate.
( 3 ) In XXXX, 2017, I received 5 letters attempting to collect balance due.
( 4 ) Attorney representing this Probate case has informed me that she, too, continually is receiving notices of this debt owed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Creditor Macys assigned collection company to destroy my credit and collecting a debt that was paid.It appears that Macys added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of Macys from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with Macys. Why Macys sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$1200.00} a month Notice : XXXX XXXX XXXX Reference number # XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Creditor Macys-Department Stores National Bank Macys Account last four # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is not up to date, card have a credit balance not {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Trouble during payment process

Complaint: Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX   in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). 

The loan number at Bayview is XXXX. 

The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX required that I come into the local branch to close my account. They would not stop charging me until I physically came into my branch to close the account in person. I called multiple times and called differnet corporate numbers. It was not possible due to a move. I called my credit card customer service number to request a stop payment on this merchant ( XXXX XXXX ) and all future transactions from them. I have an XXXX Chase XXXX credit card. They told me on XXXX XXXX, XXXX that the request was finalized and i would not be charged further by this merchant on recurring charges. I was again charge in XXXX and now XXXX. I called Chase to complain, and they said there is nothing they can do. When they do a stop payment, it is not guaranteed. It is only a request to the merchants bank to stop the payment. They informed me the only way to guarantee i am not charged by this merchant further is by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company, Pressler and Pressler have sued me over a debt that I have disputed since about XX/XX/XXXX. They even tried wage garnishment XX/XX/XXXX which they lost that case because I was n't making enough money. Now, they have sent a sheriff to serve a writ of execution to my realtor broker, to garnish my next commission check to cover the alleged debt. No proof of court order either. It 's alot of money for me to just give up and stop the fight, but I do n't have any money to hire an attorney, either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Received a letter from Quicken Loans in XXXX of XXXX that we were approved for a FHA loan and for the house we were renting. The owner was selling after our lease was up in XXXX. The broker XXXX XXXX with Quicken Loans strung us along and 2 weeks before our lease was up we could n't get a hold of XXXX XXXX and his boss called us one week later and told us we do n't qualify. Companies like Quicken Loans if suppose to notify applicants within 30 days if loan will be given we were n't notified within that time period. Because if Quicken Loans we had to pack up our home put our belongings in storage and live in a hotel until we found a home to rent. Quicken Loans left us homeless and as a woman XXXX XXXX XXXX and not well off this affected my health.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be 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 explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Equifax credit report. Regarding the following inquiries 1 ) XXXX XXXX XXXX from XX/XX/XXXX 2 ) XXXX  from XX/XX/XXXX 3 ) XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX 4 ) XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. I have disputed these unauthorized inquires for several months with no help from the companies or Equifax. XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an update address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that Equifax do their job and abide by the laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Payday loan) with Alliant Capital Management LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX called my presonal line then my work # stating to call XXXX and reference case XXXX that action will be taken against me. They should not be allowed to call my work number

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not    get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
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Please I need your help.
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Date : 2016 Amount : tax owed {$5600  .00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX of this year there are two debts on my credit report. One of XXXX and another of XXXX. This is not my activity. I can not get access to see what company is reporting this. There is also payments posted to these amounts. Creditor reported $ 1+? What can I do?

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 07/13/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an account with USAA on XX/XX/XXXX. A transfered was completed from my existing account with XXXX XXXX XXXX to USAA. Then I completed the online documents provided by USAA. <P/>A call was made to USAA on XX/XX/XXXX because the account reflected a " hold '' until XX/XX/XXXX. The customer service representatives could n't tell me why there was a hold. All they would said is the account is under view. However, no one has been assigned to review the account yet. So I was advised to call back next week. <P/>How can this institution agree to open a new, acceptance funds from another bank, and then place a hold on those funds without any real explaination until XX/XX/XXXX?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I receive a cancellation of debt letter from XXXX XXXX about a charge off I had in 2011. I submitted a document to all XXXX bureaus however Experian have yet to honor this " cancellation of debt '' document and continue to report this account with a balance.

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