milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: RPM is calling me at work, they were told they can call this number yet they continue to do so. I had my legal representative try to call them. He tried twice and he was disconnected by their " operator '' after telling her, on a recorded line, they do NOT have permission to call and offerring to send his Power of Attorney

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 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I paid a merchant for a service which was not provided ( XX/XX/XXXX ), but more damage created. Original service was for ~ {$500.00}. After " repairs '' I was facing ~ {$1400.00} in repairs, after 2 other opinions. I filed a dispute with BOA ( XX/XX/XXXX ) and supplied all required documentation to dispute charges. BOA refused to contact merchant and gave a list of excuses why they would not process the dispute ( 2nd opinion not on letter head- I had 2 second opinions 1 quote one paid invoice ), they were not signed ( they were typed on company invoices with technician name and company info ), they did not have cause for damages ( quote and invoice specifically describe what was wrong and how it created additional damage ), merchant was not described in second opinion ( quote stated " previously repair was done incorrectly and caused " parts '' to sieze up damaging " parts '' and requiring " parts '' replacement. Quote was same day and 28 days after merchant " repairs ). BOA refuses to help settle ~ {$500.00} disputed charges and failed to reply within 30 period stated.

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.

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 10/22/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with Siwell Inc (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I need my accounts audited because my impounds are incorrect, and I think my money is being stolen by this company. the company leaves during the business hours when they are supposed to be available for any borrower that needs any help or has any questions. I spoke to a gentleman XX/XX/XXXX in which he said he would call me back with more info. he called me XX/XX/XXXX and updated me slightly, he said he would be contacting me XX/XX/XXXX ( TODAY ) with an answer. I never received a call, so when I called in and spoke to a woman. she said that he was not in today and that he did not work yesterday ( XX/XX/XXXX ). So at that point I was completely fed up and confused so I resorted to calling in and filing a complaint with your company. They gave me an appraisal on my home that I have had for 2 years. They told me it is worth less than what I bought it for. They will not remove my mortgage insurance which is why I wanted my appraisal done to have a higher amount go to my principal instead of interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  XXXX   XXXX  I was diagnosed with    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . IN anticipation of running afoul of my bills I contacted  Navient  and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of  XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in  XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on  XXXX   XXXX ,  XXXX  now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So  XXXX  different stories.  <P/> IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving   XXXX    daily phone calls from " unavailable '' early  XXXX  and late  XXXX .  Imagine  having to run to the phone with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   while recovering from   XXXX   XXXX   Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from  XXXX  or some country using a dialer and I am not giving you information about me that you can use to hack my identity.  <P/> " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone.  <P/> I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement.  <P/> I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway.  <P/> What can I do.. I am recovery from    XXXX   XXXX   . I have  XXXX  now sent the required paperwork and they are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Payday loan) with Citi Management Group, LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In 2012 I took out a payday loan of around {$1000.00} from the " XXXX XXXX '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX XXXX XXXX grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated XXXX and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to Chase. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. Chase sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Rewards

Complaint: While on an XXXX XXXX flight, they offered an XXXX XXXX Citi Bank credit card. The offer could be applied for on the plane, or done through their website. I applied online, and so did my husband. The offer was for XXXX bonus miles if you spent {$1000.00} within the first three months of account opening. We were issued the XXXX XXXX cards. We both spent well over that amount within the first three months. The credit card company confirms this was done. I was scheduling my next flight, and noticed that neither one of us had our bonus miles on our account. We had miles for the dollar amount of purchases, but not the XXXX bonus miles. I spoke with a manager in the retention department that was baffled as to why we did n't receive the bonus miles. I was asked to send in the original offer that I applied for, which, by the way, is always a running offer on their website. It has n't changed since I applied. I did so, and have yet to get a response. They are unwilling to credit me the bonus miles that they offered me when I applied. Both my husband and I have done everything that was required to receive the bonus miles, but they will not give them to us. They keep telling me that they ca n't be sure that 's the offer I signed up for. Why would they have sent me an XXXX XXXX credit card, and give me miles for every dollar I have spent if I did n't sign up for this offer? That does n't make sense.

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 11/30/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Trouble during payment process

Complaint: I made my XXXX 2017 mortgage payment at a local us bank branch here in XXXX on XXXX and XXXX around the XX/XX/XXXX of the month, then 2 or 3 weeks later I check with my bank to see if the funds was deducted out of my checking account, and it was not. So I called both the XXXX branch and home mortgage office to see if they had a record of my payment, and there was no such record. So to keep it off my credit report for a late payment history, I made a over the phone mortgage payment that cost XXXX. Then 1 or 2 days later us bank tried to process the original the check which cause overdraft fees of XXXX dollars plus the XXXX fee. I think its strange they could find my check after my calling them I am retired with a modest pension and I do not appreciate this treatment. So I would like to receive the most I can legally get for this irresponsible conduct from us bank ... ..I will include my lawyer letter to us bank and my copies of my bank overdraft fees, the original check ... 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 07/27/2016 about Debt collection (Medical) with Credit Bureau of Carbon County (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I owed XXXX dollars. I was told I needed to make a minimum payment of XXXX in order for her not to take legal action. 
I felt intimidated so I payed the XXXX, then I started to give what I could afford. Since then I have n't received any letters till this day, on how to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX I visited a Chase ATM and asked to withdrawal {$300.00}. The ATM was unable to dispense cash and issued a receipt stating transaction denied. However I noticed that it appeared on my online banking as a withdrawal. I immediately called chase and reported it. I was told within 12 hours it would appear back in my account. 2 days later it was still not in my account so I called again and then was told in 24 hours. However a few days later the credit was still not in my account. I called again and was told 1-2 business days. I again called on XX/XX/XXXX two weeks after the ATM dispute and now I am being told that there is no timeframe to return the funds to me. All they tell me is that there is a system glitch and they are unable to help. I find it ridiculous that it is taking this long. In the meantime I have no money in my account to pay bills or other necessary things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Pawn loan) with BB&T CORPORATION (PA).
Issue: Applied for loan/did not receive money

Complaint: I applied to BB & T Bank for a home Equity Loan, was approved for the loan, closed on this loan on XX/XX/XXXX. I wanted to pay off my existing Home Equity loan with XXXX, and keep all my banking needs at BB & T bank. The Check form BB & T bank has not arrived as of the date XX/XX/XXXX. I have been contacting BB & T bank personnel to ask what they are doing or going to do, to complete the transaction.They have stated that this was a Bank Cashiers check, and they want to wait 90 Days before issuing another check. I am now in arrears with my XXXX Loan, waiting for the payoff amount of {$24000.00} from BB & T bank to arrive.I have already made one payment of {$500.00} to BB & T bank on the new loan, along with all the closing costs of over {$700.00}, but the money has still not arrived at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have already attempted to resolve this with Chase Credit Cards on numerous occasions, and still I am being ignored. I was charged numerous fees for items that I never purchased on both my Chase Slate and my Chase Amazon CARD, without my express approval. I did not give the company permission to take the large amounts and tack them onto my card. I did not make these purchases, and will not be paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I have been receiving multiple phone calls since XXXX 2017 from Receivables Performance. At all hours of the day & night. The calls sometimes started at XXXX or XXXX XXXX & have n't ended after XXXX XXXX. These phone calls are on my home phone & cellular phone. It has caused me unnecessary XXXX. I NEVER received a letter from this company I only found it on my credit report when trying to find out who these people we 're. I also searched on the internet for the phone numbers they we 're calling me from. They also call from a foreign number which has three to seven digits & they made me go through lot 's of thing 's in order to have them identify themselves. I have been repeatedly stalked by different men through the years so, naturally I assumed it was someone from the past trying to find me. I got very scared to the point I had difficulty sleeping due to the XXXX. Most of the time the person calling is a robo call or in the rare occasion it is a person they will only say their first name. I have blocked their phone calls for a while but, sometimes they get through on other phone numbers. In one day I bet I was called at least 10 times. I got very tired of dealing with these people. It grew quite frustrating. Acct ending in XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXXSOC SEC # XXXX DOB XXXX XXXXTo Whom it May Concern : Equifax XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXCompany Information XXXX : XXXXDate of Inquiry XX/XX/XXXXCompany Information : XXXX BANK Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXXSOC SEC # XXXX DOB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had received a call a while back from iq international. I reached out to XXXX at XXXX in XXXX XXXX for my leasing agreement which they failed to provide to me stating they no longer have it. I had also emailed iq international to verify this debt at which they did not reply. I had also emailed them to stop calling me at which they did not correspond to. Also getting harassing phone calls from unknown, no caller ID, XXXX, XXXX numbers. Tried disputing this with XXXX.

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