milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving letters and phone calls from collection company over a debt that is not mine. When first received letter I called the company to obtain information on the debt. I told them I was not the person they were trying to collect from. I had never lived at that address and have never had XXXX insurance. The person taking the call said she would remove my name, address, and phone number from the collection. She stated that had sent several letters of collection to everyone in state with the same name. I have since received 4 more calls and have called them twice more each time they have stated that my information will be removed and letters and calls will cease. Again today I have received a call from the collection agency. At this point I am considering it harassment for the continued calls on a debt not incurred by myself. I have received or returned 5 calls to them since collection letter and each time they tell me they are removing my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (VA mortgage) with LoanCare, LLC (AL).
Issue: Struggling to pay mortgage

Complaint: I filed a complaint with you back in XXXX, XXXX, against Loancare LLC. The complaint number was XXXX. You had taken care of it and closed the file. Well guess what it 's not taken care of. Loancare is trying to charge me again for the money I already paid them. Also, they put the amount on my credit report with Equifax in the amount of {$100000.00} dollars, on XXXX. It 's no doubt listed with the other credit bureaus as well. My mortgage is currently under at {$100000.00}, according to my last statement from them. I am currently receiving assistance from XXXX XXXX XXXX, maybe that 's why they 're trying to rip me off again. Also they are raising my monthly payment from {$890.00}, to {$920.00}. I called them on XXXX, the girl I talked to fed me some BS, and tried to justify the increase. She wants me to send her a copy of my credit report.

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 07/22/2015 about Student loan (Non-federal student loan) with Genesis Lending (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: After my husband lost his job, staying current on our debts became very difficult. We joined Freedom Debt Relief as a way to manage our debt and make sure it was being paid. Unfortunately XXXX did not deal with Zwicker and Associates, and that is where our XXXX card ended up. We had and Attorney through XXXX that was dealing with XXXX and was supposedly trying to reach a settlement. We have since been sued by XXXX and have a Judgement against us. We have since paid our debts off except for this XXXX card. Without XXXX 's attorney we are now trying to deal with XXXX on our own. Our phone conversations with XXXX have so far been met with uncooperative attitudes in trying to come to a payment agreement with them. Lump sum is impossible for us. We have just learned that there is a bank garnishment order against us, but there is nothing in there to get. As a last ditch effort we called the attorney we were dealing with and asked her to please send us any documents from XXXX that they had. We found that there was an agreement that we had never seen or been told about. It is an agreement that we can definitely commit to. We called XXXX on Tuesday the XXXX of XXXX and asked XXXX the girl we had been dealing with, if we could sign this agreement and start payments immediately. We even sent copies of this agreement via email to them. It was all put together at XXXX. We were told no. They want a lump some payment of XXXX. If I had that money .... I would n't owe the debt. I do n't understand how they can garnish wages, bank accounts and sue you but when you try to pay them they can tell you no. How on earth do they ever expect to be paid? I would expect that if they want their money that badly and that they went to all this trouble, they would be happy to get the money. It 's embarrassing to be in this situation as it is, but every time you call them they make you feel worthless. They told me to borrow the money. Really? Why do n't they loan it to me! The amount on the agreement was also wrong. it was off by XXXX dollars. We owe XXXX, the agreement was for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with Interstate Recovery Service, Inc. (MN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I am writing on the advice of XXXX XXXX, XXXX State Attorney General. I was contacted by XXXX XXXX XXXX.. XX/XX/XXXX. They collected money on my credit card for magazines for 3-4 months. They called me as well as me calling them to cancel the subscriptions but said it was too late. I canceled my credit card so they could not withdraw anymore money. Now XX/XX/XXXX I have received a total of XXXX letters from Interstate Recovery Services at XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX stating that they are trying to recover XXXX debts for the amounts of {$39.00} and {$590.00}. I also paid Subscribers Services a total of {$320.00} for a one year subscription fro XXXX magazines. I do n't know if these XXXX businesses are related. 
I have sent my documents to XXXX XXXX and forgot to keep copies for me. She should have them in my file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards. 


Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I could not get help with payment plans and I have defaulted and resulted in late payments that were reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: AMEX defrauded me of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months and XXXX SPG bonus points in SPG card AMEX sent me a mailer with a promise of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months.The copy of the mailer is uploaded at XXXX : XXXX However AMEX declines to honor it stating my claim for bonus miles for my Gold Delta SkyMiles ( r ) ( ending XXXX ) is invalid since I had the card before and hence ineligible for bonus. However, as the scanned invite letter from AMEX shows, it was an explicit invite application and nowhere was it mentioned that bonus does not apply to previous customers. AMEX has amended its rules past my application and continues to deny despite my best efforts to reach through their customer support and XXXX. AMEX has done so for my other AMEX XXXX Guest card ( ending XXXX ) in the same vein and defrauded me of XXXX SPG points.However, I failed to capture their mailer on scan. I implore XXXX to hold AMEX responsible to honor their explicit invite in my name with my Skymiles details for application and bonus miles which has resulted in over $ XXXX in charges on the account that could have been spent through a different credit card. Such " bait and switch '' of terms should be seriously reprimanded and I hope XXXX does more than being a messenger in the middle to scrupulous business practice by AMEX cards.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by 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 10/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage loan with a XXXX lien on the property. I got behind on XXXX loans. My house is now currently being rented by tenants and when I called to make my final payment on the house I was informed the home had been sold. Bank of America has not filed anything within XXXX County to indicate a foreclosure and I was never informed it was in foreclosure. I even went to the County Clerk 's office as well as checked online for any transfer of deed and found nothing but a Release. I owe less than {$5000.00} on both loans and the house is valued at around $ XXXX {$150000.00}. A XXXX XXXX called me on XXXX XXXX to inform me she would look into the matter and I have n't heard from her since. I 've left several phone calls with no answer. I am ready to payoff the house and Bank of America will not communicate with me. I have just been diagnosed with XXXX and do not have any recourse in pursuing litigation against them. I just want to pay off my house - both loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.

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 08-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Deposits and withdrawals

Complaint: I am writing a serious complaint against Citibank, I had been banking with them about four years and my accounts have always been positive and properly funded. I noticed about three weeks ago the bank started making unauthorized bank credits and debits on my account. That now have my checking account seriously delinquent. When my account is definitely suppose to be positive. The bank has acknowledged these errors and as you can see on the banking printout they reimbursed XXXX {$10.00} transfer fees and XXXX NSF fee. I went to the bank about these errors the banking representative XXXX XXXX XXXX stated that these are the worse banking errors he has ever seen. It 's like the bank just went in my account and went crazy removing my money. No one at Citibank has been able to explain why so many banking errors on my account. I am hereby requesting that a complete audit be done on my Savings and Checking and my account be bought back positive. These banking errors have ruin me financially. I had to immediately close all my accounts. My government direct deposit had been going their for years, so now I am left without a paycheck until this is resolved. I ca n't pay my mortgage, utility bills, credit bills or nothing. This has ruin me. I do n't know why the bank did this to me. It 's like they deliberately sabotage my account. Please help me resolve this. The bank has been very unsympathetic. Now my account is overdrawn over {$4000.00} after getting a {$2300.00} direct deposit. That the bank has kept and refused to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Last year I lost my business because of divorce. A month ago I got a letter from a layer. Said the house will be actions off XXXX XXXX 2016 I call the bank asc.. well Fargo to do a short sale ..she said get a reality to call them..I dI XXXXd that same day ..the bank do n't call back. So I call the bank and said no one call the reality..to do a short sale .so that day the reality take with the an got all the paper work them that week..this week the reality call an said it to late. The paper work need it the week before fore No one tell me that and the every call that week it would been done if the bank tell me that.

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 10/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF THE WEST (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}. 
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}. 
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent. 
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}. 
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not. 
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office. 
Your review of this matter is greatly appreciated.

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 05-03-2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions.     Recovery company number which suntrust had call me  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 04/20/2015 about Bank account or service (Checking account) with BANCORPSOUTH BANK (MO).
Issue: Making/receiving payments, sending money

Complaint: Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortage with Chase Loan # XXXX. My wife has been XXXX for greater than 10 years, I closed XXXX XX/XX/XXXX as a consequence of the financial crisis during the preceding years. On several occasions, I have had to withdraw funds from my 401K to cover expenses including my mortage. Chase turned me down for assistance 2 times. XX/XX/XXXX I sought the assistance of an attorney ( XXXX XXXX XXXX ) to assist with the difficulties in gaining mortage assistance form Chase and they turned me down agian. I am cChase and other mortage lenders accepted bailout money during the national financial crisis -- -however ChaSE they selectively applied assistance and used funding to increase their profits. I wish to file a complaint against them. 

Thank You, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Debt Mediation, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After a 3 year lease with XXXX XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ) they allege false damages on the move out inspection in the amount of {$7000.00} reported it to a collection agency and then had it placed on my credit report. Some actions I have taken to resolve this issue are. Contacted XXXX XXXX XXXX XXXX via email XX/XX/XXXX, sent copies of XXXX County Magistrate Court civil action number XXXX to Professional Debt Mediation, I have sat down and discussed this issue in XXXX County Magistrate Court mediation, have filed dispute with each of the three major credit bureaus also file suit in XXXX XXXX Magistrate Court on XX/XX/XXXX and won judgement in my favor on XX/XX/XXXX civil action numberXXXX

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