milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX/XXXX/XXXX XXXX contacted my relative and disclosed my information to her and got a payment from her for the amount {$190.00}. I explained to my relative that they were not suppose to give her any information regarding a bill in my name and they could not take her money. They continued to contact her and give my information to her over the phone. I have disputed this bill since due to the violation of the Fair Debt Collection Practices Act. I requested cease telephone communication. Some time had passed and the phone calls stopped and the bill stop coming. After many years my relative called XXXX to get service they told her they could not help her till a bill in my name was resolved. They again disclosed all my information and transferred her to Southwest Credit Collection department. Then Southwest disclosed my information to her as well. I notified CFPB and filed a complaint against XXXX. I sent a Certified letter disputing the bill on XXXX/XXXX/XXXX. XXXX still calling. I then sent a second Certified letter XXXX/XXXX/XXXX to Southwest Credit informing them of the violation and that I am left with no other option but to file a complaint to cease telephone communications. Southwest Credit in turn sent me a bill with balance saying I owe {$310.00}. CFPB was not able to handle the matter with XXXX so CFPB notified the FTC. Even after sending a Certified letter to Cease Telephone Communication I continue to receive collection calls from XXXX. Another violation of the FDCPA. On my voice mail when I received a call from XXXX a man said on my voice mail. " I got this '' then hung up. Something must be done about this harassment. I am taking the steps to have this resolved to that they will not continue to do this to me or anyone else.

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 01-11-2018 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I originally scheduled a payment for my rent to come out of my checking account on the wrong day that funds were n't available. I notified Citizens Bank 3 days before automatic withdrawals were due to come out of my account and ask them to stop the transactions. I woke up three days later in my  account was negative {$800.00}. Multiple efforts were made on my part to have them reverse the charges in my account was in good standing I wanted them to close it and I opened up a new checking account. My child support payment of {$300.00} could n't be stopped from being deposited into that account and for some reason Citizens Bank could n't transfer that money because it was in a closed status and credit only status but yet a whole week later they allowed an online loan shark to withdraw over {$100.00} and another transaction for {$25.00} to come out of my account. They ca n't even tell me who the {$25.00} was given to but how they could not give me access to my funds yet have third-party vendors take money out and they 're telling me right now I ca n't do anything about it. This has to be against the law they do n't make my child support available to me to take out or to transfer to my open checking account yet they let to vendors that I do not authorize and I do n't want them to take any more money out of me to take my money and they ca n't reverse the charges now apparently they 've reversed their own mistakes too many times now and they 're Tapped Out. This ca n't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: i have capital one investing account i was not able to open my trading account on morning of Friday XXXX XXXX 2017. It opened only once or twice and i was able to place one trade ( sell XXXX put ). But overall it was very inconvenient. I tried my cell phone app as well as multiple browsers. 

I called capital one help line twice and had to hang up as no one answered my calls even after waiting for more than 10 minutes each time. I emailed capital one and they told me to call back. I replied and told them to call me as i had not been able to talk with them i pay top dollar to capital one for their service and i expect better. Moreover this is second incident in last few weeks. Something similar happened few days back the losses that i incurred are below. 
1 ) Couldnt sell my orcl put on time. It cost me at least {$50.00} per contract and i had 12 contracts. So total loss {$600.00}. I was able to sell XXXX puts when XXXX  was at XXXX, when i wanted to sell them when XXXX was at XXXX 2 ) Could n't sell stock - carb, syx and unt on time. I lost {$100.00}. I wanted to sell Carb when it was at XXXX. I ended up selling it when it was XXXX 3 ) Frustration and tension i lost {$700.00} because of capital one and i feel that capital one should compensate me for the same and ensure that I dont face similar issues in coming days. I have huge number of Micron options and i dont want to face any losses due to Capital One 's in efficiency let me know what you could do for me and please ensure that consumers dont face similar issues again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was informed on XX/XX/XXXX about my account reaching XXXX dollars. On XX/XX/XXXX at XXXX XXXX. my payroll check posted a shortly thereafter I made multiple transfer to cover what was needed to cover my XXXX XXXX payment. Wells Fargo charged me an overdraft even though I had transferred money per their recommendation. I was surprised that later on in the day of XX/XX/XXXX I received an email from Wells Fargo regarding an overdraft fee as I had enough money in my account. I contacted Wells Fargo regarding the overdraft fee and informed them that I had a XXXX XXXX charge pending and needed the fee reversed due to the pending transaction. I received a generic response from Wells Fargo. This morning my account yet again reached XXXX dollars. I checked the account to find out that I was charged a {$35.00} overdraft fee for my XXXX XXXX payment. I sent Wells Fargo yet another email addressing this issue. For the record, I have not received any email from Wells Fargo regarding the latest overdraft charge. At this time I am left no other recourse than to file a complaint as Wells Fargo not addressing my concerns in a personal manner only via generic correspondence has become an ongoing issue. I am providing screenshots for a timeline and validation of my complaint. 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 monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I paid for Lexington Law credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XXXX  school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. Lexington law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

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 12/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On Sunday, XX/XX/XXXX, I attempted to use my Bank of America debit card at a local restaurant. The merchant informed me that my card was declined. In disbelief, because I knew what my account balance was, I called the banks customer service. After being on hold for over 30 mins, no satisfactory solution was provided. I was told that my card is marked as " expired '' in their system, despite my card being valid in accordance with the expiration date on the physical card. The representative acknowledged in the recorded phone call that they do n't know what the problem is. All they could tell me at this point was to wait for a replacement card in the mail, which could take over a week. I was very disappointed and upset and there was no manager available to fix my issue. I requested for a manager to call me as soon as possible. Apparently Bank of America does n't value their customers enough to even call them back when they are suffering from a circumstance that is a fault of the bank and not the consumer. No recompense has been provided so far. I made a fool of myself with the local restaurant. I would like for Bank of America to provide recompense for my troubles and embarrassment.

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 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase Credit Card services closed all my credit cards ( total 8 ) on XX/XX/XXXX without any notice. 
When I contacted Chase, they opened a review of this closure but I got a call on XX/XX/XXXX that they standby that decision and they will NOT reinstate none of the credit cards. Reason they gave was : 1. Many opened credit cards 2. Spike in large revolving balance I tried to argue my case that I applied for not more than 5 credit card in last 2 years or so and only recently applied for Chase XXXX credit cards. I am keeping cards ( and paying annual fees ) to increase my average age of accounts. 
I regularly pay my balances on time and has not delayed card card payment even once in entire credit history. 

While I understand that its Chase prerogative to extend credit line to me but I do think that this closure is unfairly done as I have not exhibited any behavior which deserves such an action.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Falsifying documents in the form of date when debt was purchased from original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

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 05/27/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. 

My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. 

In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). 

I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. 

However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. 

In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). 

When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. 
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with TIDEWATER FINANCE COMPANY, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problems caused by my funds being low

Complaint: I recently linked my Wells Fargo account to my XXXX account and then had a transaction that I did n't not have enough funds for in my XXXX account get submitted as an instant payment from my Wells Fargo account. I had no idea that adding my Bank account to my XXXX would automatically set the Bank account as a backup funding source for my XXXX account and so Wells Fargo then Charged me XXXX non-sufficient funds fees in the amount of XXXX $ and the original transactions that they never even paid were for a XXXX $ trasaction and abother for A XXXX $ TRANSACTION. I called and spoke to XXXX and they sent me a letter to send over to wells fargo explaining the situation to hopefully have the NSF fees removed off the account but Wells Fargo would n't accept the email I tried to send to them and would n't even speak to me about the fee 's over the phone at all so I now already paid the transactions that I did n't even know were going to be charged to my bank and now have a XXXX $ bill for Wells Fargo because they choose to charge me XXXX $ for less than a XXXX $ transaction that they never even paid is there any way to fight this I still have the email letter from XXXX regarding the incident as well if that helps at all! Please let me know thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Today I received a 2nd call from XXXX ( XXXX XXXX XXXX ) regarding an alleged debt they are trying to collect on. 

Today however, they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered " XXXX '' and I asked my questions, ( who they are, what they do etc ) after answering my questions she asked " can I get your name? '' I replied " No, I just wanted to know who you were '', as i went to hang up the phone she says " wait are you XXXX? ". Now I would like to know how she knew who I was since I was calling them from my employers land line. 

Also, when she asked me to confirm the last XXXX digits of my social, which she had correct, she stated this was for some outstanding debt from many many years ago, I said that they had called me before, about a month or so ago and this was illegal, she responded with " no, we just bought this debt, we 've never called you before ''. I then asked how they could " just '' buy a debt that had been paid in full or dismissed in a bankruptcy 10+ years ago and of course she says she does not know and will remove my name from their list. 

Now I understand there are bottom dwellers all over the world, as well bad debts, but this and all debt collection processes are regulated by federal & state law. I believe it is time for these people to answer for their blatant disregard for those Federal & State Laws as well as their deceptive scare tactics and lies. 

They have multiple complaints filed with the XXXX which they are not members of as well as multiple complaints filed with various agencies around the country and lots of bad reviews. Their online presence also consists of several fraud warnings suggesting they are a " scam ''. 

I would like to see these guys either put out of business or seriously fined for their illegal acts if they are a real business or arrested if they are a scam. 

The information they provided me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX FAX : XXXX

Company response to consumer: Closed with explanation