milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Payday loan () with LDF Holdings, LLC (IN).
Issue: Can't stop charges to bank account

Complaint: I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: J.P. Morgan Chase Bank have used confidentiality laws 15 united states code 6801-6804 to avoid acknowledging its facilitating the crime of fraud. My children the heirs to my ex-spouse property illegally hold my assets in account at Chase Bank with Chase Bank assistance. While I was incarcerated during the XXXX period my ex-spouse allowed Chase Bank to place my investment assets within her account without having my consent of her being appointed my financial guardian. The account in question is a Michigan account kept under the following names. My ex-spouse in XXXX unknowing to me died plus willed control of the account in question to her the children XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX born XXXX XXXX, XXXX plus XXXX XXXX born XXXX XXXX, XXXX. 
chase possess no legal documentation authorizing my assets being placed within the account but still it with intent on aid fraud hold my assets within that account plus refuse to turn the assets over to me. 
The assets were initially placed in the account at the XXXX XXXX which was purchased by the XXXX ( XXXX ) which was purchased by Chase Bank. Despite fact this crime was committed before Chase Bank became overseer of the account Chase Bank is liable being it will not address the criminal act instead it hides behind account confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. 
I had suddenly became a victim of extortion by the XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014 I submitted a complaint ( # XXXX ) against SunTrust and for a long time I did n't see the response. 
When I did finally see the response, I wanted to dispute it. When I call the CFPB they told me I would have to submit another complaint. Since the original complaint I was made aware that the type of loan I was originally given was made illegal years later. This was due to the misleading information on the loan details. The option payments cause a negative amortization with no deduction in the balance.. Plus the payments fluctuate monthly. I have been paying this loan for over 16 years now and have not been able to make a dent in it. I asked for a modification of which they only allowed it for 3 years on a year to year basis. Now SunTrust will not allow me any other modifications. This loan has done nothing but cause me heartache as it is difficult for me to make the payments. Please advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: This is a complaint agains t Wells Fargo Mo rtgage. We applied for a mortgage modification in  XXXX  or  XXXX ,  2016 t o reduce our payments. The file was complete sometime in  XXXX  and the modification was approved according to a phone call in  XXXX ,  2016.  I repeatedly inquired by email where the documents were for us to sign, which would have included the exact payment amount, etc. They did not arrive as anticipated. Subsequently they disallowed the modification because I " had not agreed to it. '' They had mailed all of the paperwork to the wrong address, which the post office forwarded, but too late to initiate the modification. I was told, and I quote : " take it up with th e Post Office, it  's their fault. '' They had me apply again, never telling me that the HAMP program had terminated on  XXXX   XXXX ,  2016, a nd then used the excuse that I had too many modifications, counting the one they disallowed, and then telling me that the HAMP program was no longer in effect. They are now threatening foreclosure because of their  XXXX , not mine. I did everything in my power with emails and phone calls to initiate the original approved modification and they NEVER answered, except with a threat of foreclosure. To me that 's fraud.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XX/XX/2017, I received an alert that a collection has been placed on my XXXX credit report by Receivables Performance in reference to a XXXX account. I tried contacting Receivables Performance directly to inform them that this account is fraudulent, and that I had this issue once before with another collection about the same account. The first representative hung the phone up in my face. The second call I asked to speak with a manager, I was placed on hold and the phone disconnected. The third call, I inform the receptionist that I need to speak with someone, she told me she could not help me, and transferred my call. Once again I could not speak with a live person about this account. I have made six attempts via telephone and was unsuccessful each attempt. I have never heard or had any communication with Receivables Performance. This is the second time a collection company has put fraudulent, inaccurate, and non-validated information on my credit report. I have all the documentation from the previous collection company, and XXXX clearly stating the account is fraudulent. Please remove this account from my experian credit file immediately.

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 07/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016, I opened a Citigold checking account with the promotion code XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
Requirements were completed on XXXX/XXXX/2016. To note that this date was confirmed by phone by a Customer Care Representative which did not inform me of any technical difficulty and assured me I would have received my miles within 90 days. No other kind of communication was received from Citi regarding any kind of delay or technical issue, therefore I assumed that the miles would have been credited within the stated 90 days. On XXXX/XXXX/2016 the 90 days had passed although the miles were not credited yet. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. ". 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember, I am over XXXX years of age, and I had never held a consumer checking account with Citibank before.

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 03-02-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Money was not available when promised

Complaint: I sent a MoneyGram to my son. When he tried to collect the money they said they needed more info. I called the number, was on hold over 30 min. and was disconnected. Called again, on hold another 30 min. 
Why does it take so long just to give them info they already have? My son is needing this money now! Called third time and got disconnected again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with United Group Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had this phone number for about 5 months. I keep getting phone calls from United Finance. I have told them on many occasions that there is not XXXX here, but they still keep calling me. I have wrote them a letter asking them to stop calling, but I still keep getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses. 

They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated. 

Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain. 

Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect. 

I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo put a hold on a deposit for 12 calendar days, and refuses to change this to a more reasonable amount of time. 

When I called the Customer Service number, I was told that this was " to protect my account '' and that it was because I had a number of NSFs ( which is due to WF 's creative bookkeeping ). I said that I understood holding the check to verify the funds from the paying bank, but twelve days is excessive. The CSR was unable ( and sounded unwilling ; she was very snippy ) to help me and directed me to visit a branch, which is impossible since I live in a XXXX Wells Fargo branches ( the nearest one is a XXXX XXXX XXXX ). I phoned WF branches in my hometown where the account was opened, and both times the bankers have been busy and no one has returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX my Attorneys sent CALIBER HOME LOANS, XXXX XXXX XXXX XXXX. and the XXXX XXXX XXXX XXXX C/O: XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, along with a copy to the Attorney General of Texas, and the Department of Justice of the U.S., FBI, Fraud Investigation Department, along with XXXX XXXX XXXX, XXXX, ( Servicer ), the attached letters requesting TILA documentation under Regulation X and to date, they have still not replied. On my Deed of Trust signed on XX/XX/XXXX ( attached ), specifically on page 13 of 16, number 24, it clearly states that only the LENDER can substitute the alleged TRUSTEE. Yet on or about XX/XX/XXXX, XXXX XXXX XXXX, acting as Vice President of/obo Attorney in Fact for Caliber Home Loans, Inc., the  SERVICER, allegedly assigned my Deed of Trust to XXXX XXXX XXXX XXXX, ACTING AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX at the same address as Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX OK XXXX, which we believe to be a fraudulent document recorded on Public title which is a felony. Also, there is no mention of the assignment of the Note which violates the FCPA, 15 USC 1641(f)(g).

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a dispute with Equifax on XXXX XXXX XXXX 2017 about a count the revolving and reporting open when it was closed and paid in full also on XXXX I tried to dispute the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld claims I owe for XXXX and continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX XXXX XXXX XXXX called me about student loan forgiveness. They told me all I have to pay is a one time fee of {$1300.00} and they will wipe away my student loan. They said my payment will be {$0.00} for 242 days after that they will be wipe out all my student loan debt. They emailed me papers and I signed I had no ideal they opted me into a loan with a company called equitable acceptance. Also pretended to be me for an income driven plan that I could have done for free. So i have been paying them for a year now with an interest rate of 20 %. They did not tell me this verbally. I have no idea why I 'm paying this company from. I was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Consumer Loan (Installment loan) with AMERICAN EXPRESS COMPANY (LA).
Issue: Managing the loan or lease

Complaint: We own a XXXX ( XXXX ) and were offered " Merchant Financing '' by American Express. I spoke with them at length about the amount of the loan, how it was to be paid back and what payback was based on. The way the loan is repaid is within a year period, they pull a percentage of the credit card payments to the business before they hit our bank. My understanding after numerous conversations and seeing the numbers in the contract, was that the repayment was based solely on our last year 's income. I figured this was a good, smart way to structure a loan since we are a fairly new and growing XXXX. I knew I could pay a percentage of our income based on last year. However, XX/XX/XXXX I noticed something was wrong. We made $ XXXX more XX/XX/XXXX than last XX/XX/XXXX, but somehow we still did not reach the payment amount American Express had set for the month. I called them and asked how this was possible if it was based on last year 's income. It took me numerous calls and follow up e-mails to finally learn that they had added a XXXX % growth rate into the equation when they calculated our loan. I spoke to several people and, based on the fact that I was misled, asked them if they could extend payback to two years ( from one ) or give me a couple months break while I found a bank to refinance it. I was told no on both counts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is 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 10-06-2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: this is the copy of the voicemail left for me : This is the offices of XXXX calling with the litigations Department. I 'm serving legal notification and which are being implemented as a sole defendant regarding a case in our office. As a result of your non-compliance. We are conducting an in-depth investigation into your case as well as finances at this point it is the plaintiff intention-to and prosecute a protractor through the courts in full compensation along with punitive damages awarded by state statute. At this point I 'm legally notifying you a citation or has been filed as well as motion has been issued to execute the summons. Now prior to the attorney signing off on the documentation. I would like to speak with you. Reviewing the case affidavit information. I do believe this matter can be rectified on a voluntary basis out of court. However due to the severity of the violations. It is imperative that I speak with you. Litigations department phone number is XXXX or you can hit one to speak with the next available associate. Thank you. Bye.

Company response to consumer: Untimely response
Consumer complaint received 11-08-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have tried to contact Midland Funding over 10 times in regards to a debt that they sued me for ( and won a default judgement. ) I am trying to eliminate the associated lien on my property and Midland has not even responded to my REPEATED requests. I have called them on the phone numerous times and sent them email, XXXX letters and filled out forms on their website. 


I need them to release the lien on my property IMMEDIATELY and report to the state of WI that all of my judgement has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Mortgage (Conventional home mortgage) with Evergreen Moneysource Mortgage Company (WA).
Issue: Trouble during payment process

Complaint: We need your help. XXXX XXXX XXXX, sent us a letter in regards to removing our mortgage insurance. 

In the letter XXXX XXXX XXXX stated the following : 1. We could only use the improvements we made to the home in the last year.
2. We could not use current comps from the increased market.
3. We could not order a BPO for a valuation, but only could order a appraisal.
4. We could not remove the Mortgage Insurance if we were not at 75 %.
5. They quoted the appraisal to be {$470.00} and then came back and asked for {$250.00} more.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief