milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with Grant & Weber (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XX/XX/2018 Phone calls placed at XXXX XXXX est, XXXXXXXX XXXX est, XXXXXXXX XXXX est, XXXX XXXX est and XXXX XXXX est ( call on a different number ). 

I spoke with XXXX XXXX at Grant and Weber at XXXX extension XXXX regarding a medical bill. I was asking questions about why the debt could not be negotiated and how then medical collections worked. My mother spoke with XXXX and was told she could not speak to a supervisor. I went back on the phone and tried to clarify more questions that I had. I was told numerous times after asking that I could not talk to a supervisor and eventually told " I will not transfer you. '' Once this phrase was spoken I immediately asked about the call recording policy. I requested to know how to get a copy of the phone call several times and was repeatedly denied. I was also told by XXXX " I tell you what happens. '' I called back four times after XXXX transferred me to a general voicemail after I brought up wanting a copy of the phone call. I called back to speak to someone else about getting a copy of the phone call and Grant and Weber will not answer my phone calls ( tried three times ), and when I called on a different phone with the same last name, hung up on me. The business practices used by Grant and Weber,  especially XXXX, are an attempt to force the consumer to blindly pay a bill without having their questions answered. 

XXXX refused to let me speak to a supervisor until I said the magic words, that I wanted a copy of the phone call. He then attempted to threaten me more by stating that " I tell you what happens. ''

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 08-11-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from XXXX as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Payday loan () with Mobiloans, LLC (PA).
Issue: Can't contact lender

Complaint: This lender keeps contacting me about a closed charged checking account and false reporting on my XXXX credit report.

Company response to consumer: Untimely response
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to " validate '' to get both my TRANSUNION and XXXX credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ) and loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that TransUnion and XXXX have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! 

I am a XXXX. I do NOT have a printer or fax machine and I do NOT drive much at all. I *do* have proof of my ID ( e.g. photo driver 's license ), current utility bills showing my address. 
I need to get my name/address info properly reflected on my credit reports AND I need a copy of my credit reports to dispute what I suspect is incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with Debt Management Holdings LLC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving phone call from a debt collector stating that I owe on a account that I is paid and closed. according to my credit report and contact with the credit card company. they have refused to send me a copy of the debt they say I owe and when I ask for their info. they get hostile and hang up on me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted navy federal on XX/XX/XXXX and sent a request to be removed as an authorized user from account. navy federal then promised to have me removed and also for the trade line to be removed from my credit report navy federal never removed the account as promised and this is impacting my credit as this is not my account and I was not liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage services is Residential Credit Solutions. To pay the mortgage only line they charge a minimum {$5.00} fee. Not wanting to pay the fee, I am forced to mail a check every month. the last 3 months, despite mailing the payment in at least 5 days in advance each time, RCS does not process the payment until XXXX+ weeks after the payment has been mailed. They then charge a late fee for receiving the payment after the XXXX of month. They should not be charging a fee to accept an on time payment processed online thorough their website. they claim they are not a bank so there fore they have to use a XXXX party service who charges them fee and the the consumer must pay the fee. they claim they can not control the post office, but it does not take XXXX weeks for mail to arrive to a domestic location. I have now been charged {$140.00} in late fees, plus been forced to pay an addition {$10.00} in online payment fees

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (MO).
Issue: Trouble during payment process

Complaint: I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been being garnished for a medical debt for the majority of this year. I have not had any issues with paying via garnishment as I could not afford the payment terms offered to me by the collection agency. 

Between each round of garnishment I received in the mail, notification that the debt was not fufilled and to contact them regrarding extending the garnishment. 

this last round ended XX/XX/XXXX., today XX/XX/2016 I received via the USPS a letter from circuit court stating there was another garnishment from this company for next 13 pay periods ( I owed XXXX ) total cost of this will be XXXX I told them I could pay today what is owed, however they made me pay the cost of the garnishement filing XXXX - This company purposely changed the way it communicated with me from past occurances to cost me an addtional amount of money. I do not believe this to be a fair or just practice

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Spoke with Creditor who verified accounts were  not mine and would be removed. Transunion is still reporting these accounts  XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  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 06-06-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I really need help. I am XXXX and was approved for a medication from Bank of America. Since the medication, I had many expected medical problems last year which resorted to me getting XXXX XXXX. I was also involved with the housing programs. They completely rehabbed my home to accommodate my XXXX. The problem was that I had to move out and continue to keep up all the bills including mortage and utilities and rent somewhere else just to live and I had to pay rent there. They XXXX County promised me that it would be no longer that 90day and instead it I was out for 180 days which messed up my pockets. I have been sending money until they stopped accepting it. I also do n't understand that under the original modification I was approved. I 'm also getting more money through XXXX and keep getting denied when I was approved with a lesser salary Please help ... .I have no place to go. I have been in my home for over 20 years. I have pleaded and pleaded. I 'm trying to catch up. There has been a change in my circumstances and my financials, No one from Bank of America has asked me for any update nor my XXXX award letter nor and of my medical records. Please, please, please help me save my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: BofA refuses to provide the Photo Security service advertised on its website XX/XX/XXXXI went into a few branches in XXXX XXXX ( CA ) to add a photo security feature for my debit card ( see service description and their instructions to get the service below ). Was told they " did n't have a camera ''. In fact, they do n't even know which branch does have a camera. Was told to contact customer service by phone. Called them XX/XX/XXXX. Ref # XXXX. Was told they would " buy a camera '' and get back to me in 1 business day. One week later no one did. <P/>See the service description from BofA below : https : //www.bankofamerica.com/privacy/accounts-cards/credit-debit-card-security.goPhoto Security ( r ) Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security ( r ) card as an additional form of ID. The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards. Adding a photo to a new or existing Bank of America card is easy : Stop by a banking center. We can take your photo in just a few minutes and you 'll receive your new card in 5-7 business days ( a debit card replacement fee may apply ). Continue to use your existing card until your new Photo Security card arrives. We 'll keep your photo on file so it automatically appears on your card when it 's re-issued.

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: A friend of mine wanted to sign up for my credit card - the Delta Platinum Skymiles American Express. I sent him the referral link on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX which he used to sign up. He was approved and signed up, I have even seen his card since then. I called several times, including XXXX/XXXX/XXXX and they told me they did n't even see him as a member. He then called to verify his info and opened a ticket XXXX/XXXX/XXXX. He was given a ticket number XXXX and told we should follow up in 6-8 weeks. as of XXXX/XXXX/XXXX, my friend called back in and was told it was still active. I called in XXXX/XXXX/XXXX and was hung up on, called back in and was told that they deemed I did not earn the referral points. I asked to speak to a supervisor and they said someone would call me back, nobody ever did. Today XXXX/XXXX/XXXX, I called in and they said I did not earn the XXXX points because my friend did n't use the link ... which he in fact did use. I asked to speak to a supervisor again and was told they would call me back. I refused that given my prior experience and was put on hold and eventually transferred. The supervisor told me she can not help, that I would have to reopen another ticket that would take up to another 120 days to review and that I should call tech support at XXXX. At this point, I am so frustrated. I have another friend who wants to sign up but I refuse to refer her in to such a flawed system. I have been a member since XXXX and am beyond frustrated. This is for XXXX referral points!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACURATE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRASUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 11/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I FILED A COMPLAINT WITH THIS OFFICE BACK IN XXXX 2015 WHEN SYNCHRONY BANKXXXX CHARGED MY ACCOUNT A {$25.00} LATE FEE BECAUSE THEY FAILED 2 APPLY THE FINAL {$5.00} XXXX XXXX MY XXXX ACCOUNT AND THE THIRD BANK ACCOUNT I USED. .ALLOW ME 2 STATE FOR THE RECORD THAT I NEVER APPLIED FOR A XXXX CREDIT CARD WITH ( SYNCHRONY BANK ) I APPLIED 2 ( GE BANK ) AND UP UNTIL THIS ISSUE I NEVER WAS CHARGED ANY EXTRA FEES.NOW THERE IS ALSO ANOTHER ISSUE THAT I INFORMED CFPB & THAT WAS INTEREST FEES THAT HAVE BEEN APPLIED 2 MY ACCOUNT OVER THE PAST 3.50 YEARS FOR ITEMS THAT WERE PURCHASE ON A FLEX PAY OR VALUE PAY THAT ACCORDING 2 XXXX WAS SUPPOSE 2 BE INTEREST FREE.WHICH I BELIEVE IS FALSE ADVERTISING.NOW RECENTLY I LEARNED AN ADDITIONAL LATE FEE IN THE AMOUNT OF {$35.00} AND WHEN I ATTEMPTED 2 CHARGE AND PAY WITH MY DEBT CARD WHICH WAS DENIED BECAUSE SYNCHRONY BANK ONLINE PAYMENT STATED IT THE CARD WAS A CREDIT CARD THAT 'S A LIE BECAUSE IT CLEARLY READS ON MY CARD DEBT AND 2 PROVE IT I WENT AND WITHDREW SOME MONEY @ A LOCAL XXXX AND HAS 2 DEPOSIT IT INTO MY XXXX XXXX XXXXONE MORE THING I BELIEVE IT 'S ILLEGAL FOR A BANK XXXX CONTINUE CHARGING FEES WHEN THE ACCOUNT IS IN DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (AZ).
Issue: Closing on a mortgage

Complaint: In connection with application for reverse mortgage, on XX/XX/XXXX I gave a paper check for the appraisal to XXXX XXXX, an agent of Livewell Financial. Then I withdrew the mortgage application, and the appraisal was canceled 4 days before it was scheduled. Meanwhile, on XX/XX/XXXX my bank paid the check electronically before I could place a stop order. Now Livewell and their agents claim they do not have the money. My paper check has never cleared the bank. I signed an ARIZONA ADVANCE FEE AGREEMENT which obligates Livewell and their agent to refund the appraisal fee if the service is not performed. Someone -- Livewell or their agent -- has my {$290.00} ; but everyone involved, including the notary, the appraiser, Livewell and XXXX XXXX XXXX XXXX, all deny that they were paid. Someone has my check in their possession and wo n't admit it. One of these bad actors is lying to 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 explanation
Consumer complaint received 04/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Transaction issue

Complaint: There were charges made at XXXX stores using my credit card which I did not make. I do not make purchases for those amounts anywhere. I rarely shop at XXXX and when I do, I do it online. The fraud department for my credit has advised me to contact the police and file a report. The charges were made on a another credit card not the XXXX XXXX XXXX. Although I do own one I do n't use it. I have been in contact with Capital One which was the credit card that was used. They cancelled that card and gave me a new credit card number since then.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On  XXXX   XXXX ,   XXXX   at  XXXX   XXXX   XXXX , I received a telephone call from  Ally Bank on my personal telephone. The person calling advised me that the call was being recorded. I told him I didnt want to be recorded. He told me I could not communicate via telephone with Ally Bank without my call being recorded and that he could not call me back on a line that is not recorded or otherwise stop the recording. I decline to continue the call. The only account I have with Ally B ank is a savings account. California is a  two  party consent state as described in  Cal. Penal Code 632 . The  Federal statute is mute since the California statute is more restrictive and the Federal  statute defers to the more restrictive statute when one exists.

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