milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with Bayside Capital Services, LLC (NE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The collection company involved, Bayside Capital Services, while we were visiting my Aunt and Uncle in XXXX, somehow found out we were down there and somehow obtained my Aunt and Uncles phone number. They began calling them wanting to talk to my wife, and threatening that if my Aunt and Uncle did n't put us in contact with them immediately that they would receive a visit from an unspecified person, an assertion that greatly upset my Aunt. 

We live in XXXX, XXXX miles from my Aunt and Uncles house, and we had no contact with them while we were down there. How they found out we were down there and obtained my Aunt and Uncles number is very concerning. 

When we got home, they called and spoke to my wife, the first communication we have had with them, they immediately demanded that we make a payment to them or we would receive a visit from an unspecified person, my wife was scared by what they were telling her and she consented to making a payment. 

I sent them an email, explaining how upset I was and telling them that I was aware of the requirements of the Fair Debt Collection Practices Act as far as what they are allowed to do to communicate with us, and also what they are required to do, including furnishing us with the relevant documentation and allowing us the requisite time to dispute the debt. 

The next morning, they deposited the money they had coerced my wife into allowing them to deduct, back into our joint account. They then called and addressed some of my concerns that I addressed in my email, we missed the call, they left a voicemail. 

I called them back and they immediately began attempting to try to get me to just go along with their ridiculous, illegal tactics, I did not. 

I explained how upset I was about what they told my Aunt when they spoke to her and the individual I was speaking said that I had no proof that they had said those things to her, intimating that my Aunt is lying ... which greatly upset me. 

I told them I was going to pursue legal action against them and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Deposits and withdrawals

Complaint: I have an account with Citibank and they no longer have branches in Texas. However I am not qualified for mobile banking deposits. I was told they make exceptions but they are refusing to make an exception. The only option I have is to mail a check in with a two week turn around or to overnight the check which costs quite a bit. I find this unacceptable. I have talked to many supervisors. This does not seem fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My account is 60 months no intetezt with XXXX XXXX. They decreased my credit limit without a warning and or reasoning. This interm affectsy crefit score and debit to credit ratio.

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 (Medical debt) with DIRECMANAGEMENT, INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification/validation of the debt or removal twice. Once I requested the informati on Direct Management colle ction agency letter back to me saying they did not believe it was me so they would not respond or verify. So, I sent another letter requesting the same information and got it notarized to prove that it was me requesting information with my signature on it and stamped by a notary. But, they still sent the same response back to me by refusing to verify/validate by saying they do not think I am the person requesting the information. I felt me getting my letter notarized would definitely prove to them that I am the one who is writing a letter requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) regarding this paid collection that is on my credit report. However they still refuse to remove this paid account from my XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (IA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This is a recontact from previous CFPB complaint ID XXXX. Chase indicated in that response that " they are unable to process payments from my XXXX account as it is neither a demand deposit account nor a checking account ''. This is a false and inaccurate statement. My XXXX account is both. I have my payroll direct deposited there, it as an account number, a routing number. I have numerous other bills set up as auto pay through that account and no other company has ANY issues pulling my monthly bills. Additionally, Chase is false as they HAVE pulled from this account on numerous occasions. Given that sometimes I have to call and practically beg the reps to do it causing delays. They just ca n't seem to get it right. Additionally, they stated that they tired to process payments from the XXXX XXXX XXXX. This is also a false statement. I have confirmed with Chase on multiple occasions that they were provided the correct account information to pull the payment. Also, I have followed up with XXXX who confirmed that at no time nor on the dates Chase provided did Chase submit any such payment requests to them. Chase is being dishonest in an attempt to collect additional fees from me and they are destroying my credit as well. I should not have to pay over priced XXXX XXXX fees just to make my payments when Chase offers the option to pay online and ca n't seem to process my payments. I have attached proof that Chase has pulled from my XXXX XXXX account over the last few years. They make this process difficult for me as they can charge me daily on my late payments. They have taken advantage of me over the years due to me being a single mother. I have told them over and over again that I am on a tight budget and their constant inability to pull my payments and charging me additional fees and reporting negatively to the credit bureaus hurts me and my family. They do n't seem to care. They need to fix this. They are being dishonest. I want my credit fixed, I want their assurance they will pull my payments as scheduled and I want a refund of late fees and my last XXXX XXXX fee. I am not scheduling anymore payments with them until this occurs as it is XXXX to do so, they do n't process them anyways. Please fix this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I enrolled into XXXX in XX/XX/2015. My financial aid advisor never told me about taking out any loans. I 'm on public assistance & I brought in my paperwork to them so they can figure out what would be covered. Now I 'm getting emails from Nelnet saying I owe them {$22000.00} which is impossible because I never took out a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX is not allowing me access to my once a year free credit score that XXXX passed a law in XXXX stating that we are allowed XXXX free credit report and score each year by law. XXXX nor Transunion, nor XXXX are allowing this to occur. I guess paying XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the XXXX people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the XXXX people do the right thing and make a change.

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 10/22/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: RE : refilled on XX/XX/XXXX Complanint Number XXXX previous 1st time filed on XX/XX/XXXX Complaint Number XXXX and you referred me to FDIC and now they had solved the problem with the bank but Chexsystem never update the problem so FDIC told me that you are cfpb is the one need to deal with Chexsystem and referred me back to you, so I filed another complaint with you onXX/XX/XXXX. I did n't attached the police report on XX/XX/XXXXbut I did attached it on XX/XX/XXXX and not sure you are still have the police report or not so I decide to attach the police report to you today.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with LendUS, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My mortgage company reported me 30 days late on the first day of my loan. I applied for a mortgage with RPM mortgage, the company is also known as XXXX, XXXX. My loan closed on XXXX XXXX, XXXX. In XXXX, RPM sold my mortgage to XXXX. I made my first and all subsequent payments to XXXX. 
Since, I received a very high interest rate in spite of having a credit score of over XXXX. I decided to go for a refinance in XXXX, XXXX. When my new lender was running my credit check, I was informed that my refinance can not go through because I was late on my previous mortgage payments. 
When I checked my credit reports, sure enough RPM had marked me as 30 days late on my mortgage payments. The surprising part is that I was reported as being 30 days late on the same day that my loan was funded - XXXX XXXX, XXXX. For some reason, RPM had reported to the credit bureaus that my loan originated on XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. 
I reached out to RPM mortgage. The company keeps insisting that XXXX has reported me as late. I have shared my credit reports from all XXXX credit bureaus that shows that RPM is the company that reported me late. RPM is not taking an action to remove the negative information from my credit file. This has caused an unnecessary hassle for me and because I am unable to refinance it has caused a monetary loss for 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 08-03-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem adding money

Complaint: Attempted to add my personal TD Bank account to XXXX to fund a USD wallet within XXXX. TD Bank is blocking from using external applications, thus preventing the funding of my XXXX USD wallet from my personal TD Bank checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Equifax on XXXX XXXX, 2017 regarding an expired account ( XXXX XXXX XXXX ) still being reported on my Equifax Credit Report. I asked when the account was scheduled to fall off my report. The customer service agent reported that XXXX XXXX XXXX reported the account on XXXX XXXX, 2017 and that it would come off my report in 10 years. All of this information is incorrect but I was not able to convince this person otherwise. He instead insisted that I sign up for monthly credit monitoring through Equifax. This service must be paid for. Reference Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with Midstate Collection Solutions, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. 
They have the obligation to correct or delete their reporting. 

Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. 
Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We had our mortgage thru American Financial Resources and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to XXXX XXXX XXXX and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from XXXX XXXX XXXX stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called XXXX XXXX & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called American Financial Resources and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from American Financial and also XXXX. In XX/XX/XXXX we paid XXXX the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX. I have requested on multiple occasions for XXXX XXXX XXXX XXXX ( XXXX ), XXXX, located at : XXXX XXXX XXXX, XXXX, CO XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, XXXX. It is a fact, that I did not receive notice from XXXX, nor Ocwen Loan Servicing ( OLS ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
It is also a fact that, I was in constant, consistent contact with XXXX located at OLS, ombudsman 's office during the time of the sale occurring and I was completely blind-sided with both XXXX and OLS illegal actions perpetrated against us which has displaced our family. 
Per Colorado Revised Statue 38-38-101 requires specific documents be filed with the Public Trustee in order to initiate a foreclosure. I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of XXXX times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. - Combine Notice from the Public Trustee 's Office We implore your office to investigate this matter immediately, as XXXX which is considered a foreclosure mill purchased from XXXX and XXXX ( Shut/Closed Down ), is in the process of attempting to evict my family at this time. We are forwarding to additional bank regulatory agencies. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I discovered unauthorized charges on my bank statement and reported them to Chase and filed a police report. While the fraud began with a single {$5.00} charge in XX/XX/XXXX, there was XXXX charges totaling {$1300.00} XX/XX/XXXX that caught my attention. 
XX/XX/XXXX I closed this account and reopened another account with the same bank. 

Today I followed up with the bank and I was told that even though this unauthorized charge was reported within 60 days of occurring, they were not going conduct an investigation or credit my account because the initial fraud of {$5.00} occurred and went unreported XXXX. ( I was informed I needed to pay better attention to my statements ) This unauthorized transaction occurred using a guest account with XXXX, who quickly identified and flagged their account as fraud, froze the funds and let me know the funds can be recovered, although I have to go though my bank to initiate the credit. 

Is this accurate? Can a bank not investigate an unauthorized charge to your account because that same company fraudulently charged your account an insignificant amount outside their 60 days reporting window?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in XXXX 2016 and that there was an overage in my escrow account ; I was owed {$330.00}. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold {$15.00} as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I escalated this to their customer advocacy group without success. They mailed me a check for {$320.00} ( minus the {$15.00} ). It frustrates me that the bank believes that they have no responsibility to return the money owed to me apart from dropping it in the mail. Turn the tables, imagine if a mortgage payment was lost in the mail ; I doubt US Bank would let me charge them {$15.00} to reissue another payment. I have been a long time customer and am discouraged that the bank would go to such great lengths to withhold {$15.00} from a customer.

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