milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report has an incorrect address. The address on the report is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , NV. Other than when I was in the  XXXX , I have lived in   XXXX   my entire life. Associated with this L.V. address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX  and  XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    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 non-monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX, Transunion and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to 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 02/17/2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (CA).
Issue: Account opening, closing, or management

Complaint: Once again ( it happened once already before and was resolved ), when I made purchases through Paypal the purchases were used to open a Paypal Credit account, rather than forwarded to my credit card or bank account on file. The purchases were international so maybe that had something to do with it, but probably not ( see below ). As I was unaware of these charges sitting on the Paypal Credit account ( I do n't religiously check my email ; if they tried to send notification that way, I was unaware of it ), having thought they were already paid off through being forwarded to either of the XXXX accounts I have linked to Paypal on file, they accrued a late fee. I called up, complained, paid off the outstanding charge and was told the late fee will be rescinded and the account closed ( again ). I asked specifically if it was necessary to use Paypal Credit when making an international purchase, rather than Paypal ( and the linked accounts ), and was told no, it is not necessary. They could have been made solely through Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a re-finance with Chase Bank and was pre-approved starting  XXXX   XXXX   XXXX . The amount was $  XXXX  XXXX 3.50 %  XXXX  points 20 Year  Fixed Loan  re-finance. Any information they requested I gave them back within  48  hours. Its started as a phone call and all papers were sent to my house for the mortgage process. All requests for additional info were done via e-mail. On numerous occasions I felt as though they had very little knowledge on the New York process. I requested the loan be transferred to the New York office but I was told it was not needed because they were the main hub. They constantly requested the same information over and over without reading through my e-mails. I was leaving messages on ther e ( Chase  Arizona ) phone lines and not getting calls back as I requested. Instead they would send e-mails or would just not respond. They gave me  XXXX  extension letters going into  XXXX  on the re-finance because they were extremely overloaded. Then in the last 2 weeks of  XXXX ,  XXXX  they called me and sent e-mails stating that they would be closing on my re-finance by end of  XXXX ,  XXXX .   When the end of month came around and I did not hear from them I sent another e-mail and CC 'd their Attorney. On  XXXX   XXXX  their Attorney e-mailed me back and stated that  CHASE  had decided to DENY my re-finance AND HE WAS EVEN PUZZLED. I never received a phone call, e-mail or any form of mail stating I was DENIED.I left numerous messages and finally someone called me back and stated my Debit to Credit ratio was over their guide lines and they decided to decline me.If that was the case why was I not told in th e 1st  month rather than extending me 3 times for a total of 6 months. The average re-finance takes 45 days and here I am 6 months later getting declined.   I then requested what I needed to do to get this done. They gave me a list of items I needed to pay off prior to closing and then they could go ahead with the re-finance. I agreed to all the requesst and then I requested they send me all the new documents and I would sign.   Ah, but there was  ONE  BIG CATCH TO THIS. I would not receive the original rate of 3.50 % as originally stated. I would have to go to a new higher rate of 4.50 % increasing my payments drastically. I have re-financed loans for my  XXXX  homes on 3 different occasions and never did I receive this blatant rate switch game. I feel that when  CHASE  went to set up closing they realized how low the original rate was and they could never give that to me now without it costing them {$30000.00} to pay down the rate.   I reached out to other financial Institutions and they agreed that being declined after 6 months is totally uncalled for and that I had a real good argument in this case. If  CHASE would have declined me in the first month then I could have tried to get that rate from some other Mortgage Company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract  with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.

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 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXXX-2017 Bank of America charged me an interest fee of {$11.00} after i had already initiated a balance transfer but was delayed since bank of America refused to provide me information XXXX XXXX bank needed. I called Bank of America and the respresntatives said he could not provide me the informatiom but suggested i go online. I did go ahead and process the balance transfer but took longer than expected due to Bank of America 's lack of assistance to work with a nearly 3 year 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 monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. 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 explanation
Consumer complaint received 02-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted.

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 01/20/2016 about Debt collection (I do not know) with Global Asset Management Group, Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: She called me a loser and told me she is going to garnish my wages. I sent a cease and desist letter on this debt, but she said it was sold to another company. She would not give me her name and has called me 6 times after I asked her to stop. I was able to obtain her number she was calling from. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company is calling my client and threatening to serve her with a non-existent lawsuit. Gave a fake " case no. '' to imply litigation was filed when it was not. Will not disclose loan details or provide verification of the debt pursuant to the FDCPA and is making illegal third party contacts by calling and harassing friends and family. Is threatening and rude and engages in deceptive practices. Pretends to be lawyers or a law firm - they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech took over as the servicer of my loan in XXXX 2016. When my first 2 payments were sent electronically to them they placed them in the wrong account. One payment was moved to my account but the other one has not been moved and it has been 6 months. I call every 2 weeks and speak to a representative or supervisor who says the payment will be reallocated to my account by the following week and it never does. I never get a call back from anyone who said they would call me back. I needed to have them remove my phone number from their system so their automated system would n't call me to tell me my payment was late. They also send me letters that say my account is late although it is not - it is showing as late in their system because my previous payment has not been moved into my account. This was an error in their system and as a consumer I should not have to wait over 6 months to have it resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: ( 1. ) OnXX/XX/XXXX, I received an email notification from Paypal at XXXX that I had received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using my XXXX XXXX debit card ending in XXXX. The amount was XXXX dollars. <P/>The time stamp and receipt # are : XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 2. ) On XX/XX/XXXX, I received a second email notification from Paypal at the same email address that I received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using the same XXXX XXXX card. The amount was another XXXX dollars. <P/>XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 3. ) The XXXX XXXX checking acct. associated with that debit card was previously closed. <P/>( 4. ) I called Paypal to notify them that the debit card where I was supposed to receive my refund was closed. I spoke with XXXX. I asked her ID # but she said she " would n't be able to give that information out, '' but she was located in Iowa. <P/>She said I needed to contact XXXX XXXX to see if the funds will be returned to me. <P/>XXXX insisted that XXXX XXXX would n't send the funds back to Paypal, and said that by law, there was a six month period from the acct. closure date where they would have to refund those funds to me by reopening the acct. <P/>( 5. ) Spoke with XXXX XXXX ( XXXX at XXXX XXXX branch in XXXX, GA ; XXXX in phone customer service ). XXXX said funds would be sent back to Paypal. XXXX confirmed funds were sent back to Paypal. <P/>( 6. ) To date, have not received funds and have not received communication from Paypal about those two refunds being rejected by XXXX XXXX. <P/>( 7. ) To date, I believe I have XXXX dollars missing as a result of this error by Paypal and/or XXXX XXXX. <P/>( 8. ) I called Paypal corporate office on today, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, and asked for Executive Customer Relations. XXXX, the receptionist, said her only option was to send me back to regular customer service, even though I had told her I had already received misinformation from customer service and I was trying to avoid filing a Consumer Financial Protection Bureau complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Capital Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This DEBT was paid to XXXX XXXX and the collections agency is falsely reporting that the debt is late or outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (MN).
Issue: Using a debit or ATM card

Complaint: I withdrew {$500.00} from XXXX Bank 's ATM ( XXXX XXXX XXXX XXXX, MN XXXX ) When I tried to take my money it seemed to be stuck and I only received {$240.00}. I immediately went inside the bank and told them what happened and they told that I had to contact the debit card company. I called American Express Serve customer assistance and they filed a disputed transaction on my behalf. I was told that it would take 10 business days to process the dispute and I would receive an email to submit my statement, I did that right away. After 10 days I heard nothing and they would email the dispute team for a staus update. After 5 days I called again and they said the dispute team was working on it. I was told I would receive an email with an update. After countless calls speaking with supervisors and upper level managers each stating that I had their guarantee that In would hear from the within 2 business days. I also was told originally that if it was n't resolved after 10 days I would receive a temporary credit for the {$260.00} which is the dispute amount, That never happened. I contacted the Minnesota State XXXX Consumer Complaint Department and they said they would look into it. After a period of about 3 days the I received the temporary credit of {$260.00} untol the matter was resolved. I originally filed the dispute on XXXX/XXXX/2016 I did n't receive the temporary credit until XXXX/XXXX/2016. On XXXX XXXX I received an email that the ATM company took {$60.00} back from the documents they have. I was told I could request those documents. I requested them and again after numerous calls they finally sent them. I can email you those documents if you would like. The documents state that I requested {$500.00} which is not true I requested {$260.00}. They also said they reviewed the camera footage and saw I was having trouble obtaining the cash and a few bills the wind blew from my hands.I will wait your response, I realize it 's only {$60.00} but my only in come is social security XXXX. I have XXXX and I have some medical expenses that are n't covered and the {$60.00} is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended XXXX University for not even 6 weeks and I have a student loan that I cant pay I never even took the classes now I have a collection from the school and they took my financial aid that was supposed to be given to me. I feel i should get some relief due to the fact that I did not even finish the first 6 and I think the first 5 weeks of class. I was having really bad financial and family issues at time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Up to twelve phone calls a day after being advised to stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Will not release my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Within the last 2 days, a company called Credco, formerly Core Logic did a hard inquiry on my credit without my consent. I have not applied for any type of loan or done anything to trigger a hard inquiry. When I called Credco they could not find any hard inquiry done by them based on my name and social yet they refused to fix the problem, blaming other companies. They suggested that I call the name and number associated with the hard inquiry. The name is CREDCO and they answered the number I called. They caused my credit to plunge by 31 points by doing this! I did NOT authorize this and I want it REMOVED.

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