milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing/Cancelling account

Complaint: I have been a AAA VISA card holder since XXXX. Outstanding balances were always paid on time. In XXXX XXXX a BofA rep called me and, giving my frequent foreign travels, urged me to take a XXXX VISA card. This XXXX Card was issued the same month to me. On XXXX XXXX this year I informed XXXX that I would be traveling for one week to XXXX XXXX. They put a notice in their records. After arriving in CR I realized that both XXXX cards were refused when I tried to pay with them. I called XXXX, and after being referred to various agents who could not tell me what was wrong, the fourth agent finally told me that the accounts of both cards had been closed on XXXX XXXX and that I should have received a letter in the mail informing me about the closure. But she did say that BofA would not tell me the " Business Reasons " for the closure. Luckily my hotel accepted my XXXX Card which many merchants did not do. 
Upon my return to the US I went to a BofA Branch, I keep a checking account there with substantial balances, and they informed me that my Debit Card had also been closed. They were at a loss why this was done but then handed a copy of the letter to me which seems to be somewhere in the postal system which reads " This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the bank 's risk tolerance. '' By the way my outstanding balance on the Visa accounts to $ XXXX It also informs me that reward points associated with the account would be forfeited. 
The Branch Manager reiterated that Bank of America could not give further explanations for the closure but urged me to contact XXXX to check my Credit Rating and thus find the answer for the closure of my VISA accounts. After checking with XXXX I learned that my Credit Score is XXXX, A, as of XXXX XXXX, that there was nothing delinquent or derogatory. 
To be kind, I find BofA 's behavior bizarre, there seems little interest in good clients.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax is reporting incorrect information on my credit report on XXXX different creditors trade lines. I have tried multiple times to submit a dispute online on their website but it keeps giving me a message that says " We are currently unable to process your request!. The information you have provided does not match our records ; therefore we are unable to process your request online '' I have tried multiple times to call Equifax but have held for as long as XXXX hour without getting anybody on the phone. I assume this is because of the high volume of calls that they are receiving due to their security breach. Out of the XXXX major credit bureaus, Equifax is the only XXXX that is reporting this information incorrectly. I am extremely frustrated that I have been unable to resolve this and need your assistance as consumers should not have to get this type of runaround when trying to get something on their credit report resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Complaint against ARA associates Phone numbers : XXXX ( XXXX ) XXXX Contact XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Above is the company and associated phone numbersthat harassed me about a false debt toda XXXX/XXXX/XXXX. This morning I received a call from an unknown number claiming to be a locator for legal action being pursued against me and left the last XXXX digits of my social security number on the voicemail. This same person also called my mother and my sister with the same message ( but pertaining to me and them being a witness ). I called the number back and a man named XXXX XXXX answered saying I took out a payday loan in " either XX/XX/XXXX or XX/XX/XXXX '' and the bank I borrowed from was pursuing legal action against me for check fraud. I never took out a payday loan and nor did I write checks for a lender. They claimed it was from my XXXX XXXX XXXX account that I had closed in XX/XX/XXXX. I contacted that bank immediately to verify this and they said there had been no attempt to cash checks nor was there any attempt to collect on my account. I called the number back to tell them this and he told me that they were going to pursue action against me if I did n't pay today. I was pretty sure this was a scam at this point, but still a little shaken up. I had confirmed through a number of online resources and through my own logic ( my credit is good and it 's been checked a number of times over the past several years- an outstanding loan would have been brought to my attention way before ) that this was a scam and I decided to just ignore it and report the issue later. At around XXXX today I received another call from an unknown number with the name " XXXX XXXX '' stating to be a officer of my county court and that my information was being processed and I would be served with papers at my current employer and home tomorrow. I could prevent this by voluntarily settling with the company. I immediately contacted my county court to see if this was valid. I had no hits in the system nor was anything " processing '' against me. Clearly this is a scam, and when I looked up the second number given to me there were many more hits of fraudulent debt collecting- nearly identical to what I had dealt with today. There really needs to be serious action taken against this harassment especially since this scam is intimidating and cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This inquiry was not authorized by me. I have attached documentation to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private student loan has been going for approximately 16 years. I am the consigner. I am now XXXX XXXX XXXX and on social security. Very little. Naive to will not release me. My son is capable of paying and has been paying. Please help me. If I default it will ruin my credit and or they may take my social security. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize this company to pull my credit onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I purchased furniture from Conns on XX/XX/XXXX and I 'm totally disgusted with the quality of the furniture. I purchased a XXXX camel sofa, loveseat and chair, a XXXX queen size mattress with a box spring and queen frame. After tax, down payment, property damage insurance and finance charges, the charges totaled {$2800.00}. I 'm on a 30-month payment plan and so far, I 'm halfway through paying for this junk. Within a few months of having the furniture, the legs on the sofa, loveseat and chair broke. And the mattress had severe depression in it. I had to call the repair technicians five times for repair ... three times to repair the sofa/loveseat/chair for the same broken legs and flattened seat cushion, and twice to examine and then replace the queen size mattress. The sofa continued to have the same problem with the legs but I had XXXX in XX/XX/XXXX and was unable to deal with the repair at that time. My recovery was slow but I was able to call Conns back in XX/XX/XXXX about another sofa repair for the same issue but I was told that the manufacturer 's warranty expired on the furniture in XX/XX/XXXX. And, I was told that the only option I have is to purchase an extended warranty or pay for the service repair if a technician comes out. I 'm not doing that. This furniture is n't worth me spending any more of my money on it. 
The last time the sofa was repaired back in XX/XX/XXXX, I was told by the repair technician that a lot of their customers have the same problems with the XXXX sofa set that I purchased and that the company will try to repair it before replacing it. My set should have been replaced but each time the technician came to my house, he repaired it but I keep having the same problem. The wooden dowels in the sofa are small and the repair tech only replaced XXXX dowel in XXXX leg of the sofa ... but even it broke again. And, the depression in the replacement mattress is worse than the depression in the original mattress. I was told that there is still a warranty on the mattress so I 'll call repair to try to get the mattress replaced a second time. 
On Monday, XX/XX/XXXX, I was told by XXXX, a customer service rep in the XXXX, TX corporate office that it 's my ( the consumer 's ) responsibility to notify the manufacturer about faulty merchandise. I told her it 's Conn 's responsibility to stop selling this faulty junk especially when they know it 's no good. There has got to be something that can be done because Conn 's is taking advantage of consumer 's who are credit challenged by providing them with poor quality merchandise. Since the mattress is still under manufacturer 's warranty, I 'm going to attempt to get a better mattress this time but I need to know if there 's something that I can do about the furniture set - It should have been replaced but because the technician did n't make the recommendation, they wo n't do anything about it. PLEASE HELP!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (I do not know) with NAVY FEDERAL CREDIT UNION (ID).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX Transunion, and XXXX No one has yet to validate this debt! 

Also, I have requested for XXXX to remove hard inquiries from my XXXX XXXX that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

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 05/29/2017 about Debt collection (I do not know) with URS Holding, LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Ditech took over servicing from Greentree. They did a refi under Harp on my loan # XXXX on XXXX XXXX. On XXXX XXXX they debited my escrow account for the balance owed to me ( {$2000.00} ) because the new loan did not require an escrow. The payment never arrived and during two weeks they kept saying that the check was in the mail and finally XX/XX/XXXX they said that it was probably lost and that I should wait 30 days from XXXX XXXX to request a replacement check.. which I did on XXXX XXXX. At the time they did not say that they had not mailed any of the refi related checks because " the other Company '' did not print them. I found this out after ward on XXXX XXXX when I spoke to a supervisor and asked about the status of ny refund. She told me about the mess and that they were working on the checks that should have been issued in XX/XX/XXXX and that mine would not be reissued until Saturday XXXX XXXX Bottom line : They lied to me and everybody else for three weeks XX/XX/XXXX Did not issue escrow balance refund checks as per closing agreement. 
I told them that I want my check delivered to me not later than Friday, XXXX XXXX. 
Conclusion : Their " error '' can not be justified. I need my money. 
Thank you for your assistance. You helped me before when the Company was " Greentree ''. I believe that they are just as bad. Their customer service letters arrive unsigned within two weeks acknowledging receipt of my complaint and stating that " they are working on it '' Thank you once again!!!!!!!!!!!!!! 

Note : This incident did not happen during the application process, the loan closed normally on XXXX XXXX, 2016. I could not find any of the choices that you offered on your website suitable for this problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: During 2013 Citibank received {$27000.00} in error from my XXXX checking account. Citibank can produce no charges made on my card during that period of time. The overpayments go back quite a bit further but for the purposes of this complaint I would like to point out the error in billing as well as produce evidence of my payments being made from my XXXX checking account during 2013. 
That was the year my son was involved in a XXXX accident leaving him XXXX injured suffering from a XXXX XXXX XXXX and XXXX. We desperately need the overpayment back in order to continue his XXXX. If I am in error, I apologize in advance and ask only that you confirm by producing evidence of those charges. If not, I demand an immediate return of the payments transferred to Citibank in error. I will include some of the statements confirming money was transferred to Citibank from my personal checking account. The joint account holder with this card can not produce any records and has refused to cooperate as a result of divorce. However we have equal rights to the information which was part of my own credit score and the payments made from my own account which my monthly paychecks were deposited into. If Citibank feels my understanding my consumer rights is flawed, please provide your own interpretation of consumer laws which allows for Citibank to charge a consumer their hard earned money, hold them accountable for those charges subject to negative reporting on their credit score, and yet claim you have no obligation to produce corresponding debt. Currently Citibank has produced no evidence any money was owed. If you are unable to produce that evidence then I 'd like the overpayments returned. 

Thank you, 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 05-07-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received no contact with anyone regarding a bill that I owe. I just received a letter in the mail from Transworld Systems Inc, stating that I owe them money. They advised if I do not contact them within 30 days after receiving this notice, they will assume the debt is valid. I have tried to contact them by phone and have been unsuccessful. The voice mail that I was connected to stated that it is full and I ca n't leave a message. How can a company just give you 30 day to prove the debt is n't your when you do n't even know what it 's for in the XXXX place? Is this company a fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On Thursday XX/XX/2018 I recieved a text alert that my bank account went below XXXX. I checked my account and XXXX XXXX in XXXX XXXX, AL took out {$910.00}. I live in Pennsylvania. I immediately called my bank and cancelled my card, filed a police report, and a formal complaint with XXXX XXXX. I found out the next day that several other people in town had something similar happen to them. Their banks all put the money back in to their accounts with the understanding that if it turned out not to be fraud they would take the money back out. My bank, First National Bank ( FNB ), said they can not do that until after the investigation is complete whether that be a few days, weeks, or months. I explained to them, why would you want all my checks and other bills to bounce on the account and then rack up a bunch of overdraft fees. For example, if my mortgage came out and bounced, it would be a {$37.00} fee, then that fee doubles every 3 days. This would the case with each overdrafted transaction. Then when I got paid the following Friday, they would take the money from that check deposit to pay the fees, thus putting me back not only over {$900.00}, but also the several XXXX dollars of fees that would have built up by then. I spoke with 5 people in the company, I have 3 names, a XXXX, XXXX, and XXXX. XXXX was the only polite one. They all agreed they did not agree with FNB stance on Fraud charges. However, refused to help me get my money put back. Instead I had to empty out my savings and max out my credit line ( thus affecting my credit score ) and borrow money from a family member to get my account just enough to cover the checks that were already out, so that they would not bounce and I would not be behind EVEN more with my finances. This is such an unprofessional way to help someone who was clearly hit with fraud and I was not the only one effected by the same debit card hack. I spoke with a lawyer and she said that FNB is infamous for how difficult they are to deal with and help you when money is taken from you.

Company response to consumer: Closed with monetary relief