milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2015 about Debt collection (I do not know) with Law Offices of Palmer, Reifler & Associates, P.A. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: after i was trying to figure out why i got a second notice from a city slicking debt collecting. when i called i got some foreign guy answer the phone EASILY PULLED UP MY FILE ON HIS COMP and i asked him why did i already paid this company ( he said there was XXXX companies XXXX and XXXX XXXX i asked him how is XXXX charging me if i already wennt to jail thats extortion to the max. regardless of what paper i signed. then he said i owed a total of XXXX and that XXXX was charging me 300 and some dollars even thoe i already paid them and took care of them. also XXXX said they would give me a call to come in and talk after i already paid and figure out what we were going to do. that was XXXX 2014 and its now almost XXXX. I also had both the XXXX of my stores pat me on the back and say they are going to call me and we are going to get past this and get me back on the schedule. i told XXXX of those dms today and he acted like this was the XXXX time he heard of it. but back to the debt collector. he started raising his voice at me not letting me get a word in and wouldnt listen to the question i was asking. i asked him several times and he would dodge it. i asked why does it say walmart and he starts talking about XXXX. i asked about gamestop he avoided the question and talked about XXXX qibberish that had nothing to do with case. then when i keep asking questions he started getting loud and yelling at the top of his lungs to call tomorrow then hung up on me. i called again and i got this lovely women on the phone. she said her computers where down even thoe XXXX mins ago he has all my info and the account info pulled up and the all of a sudden their computers dont work? weird. then she randomly hung up on me. then i call back get a supervisor and he answered again, i asked for XXXX and he was like " IS THIS XXXX? STOP CALLING! '' Yelling at me. i said nope this isnt then he started listing off other people asking if i was them and then he just told me to leave him alone and that to call tomorrow to talk to his boss. if his boss hired him in not going to get much accomplished with a loser lawyer. the companies name is PALMER, REIFLER XXXX ASSOCIATES, P.A. By the way i hardly pay debt because most or scams and im not the idiot to buy debt. you have extra money so you just go give it away hoping people will pay you back hahahahahahahahahahahah what a joke

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I found a debt from XXXX XXXX XXXX XXXX on my credit report. I sent a Debt Validation Request to the company on XX/XX/2017 via return receipt mail. The company did not reply.

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 02/23/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A single {$480.00} credit card charge to XXXX ( XXXX XXXX XXXX ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from XXXX. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The XXXX credit card was closed by XXXX XXXX and this has probably damaged my credit. I will never do business with XXXX again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like XXXX/XXXX  XXXX allows this kind of behavior that could cause serious damage to those less fortunate than me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and 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 03/29/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: On XX/XX/2017 I accidently made a {$670.00} payment to a closed Ally bank auto loan. I asked they refund the payment on XX/XX/XXXX Ally stated the account is closed it will reverse automatically. I followed up with Ally bank today and was told no it will not reverse automatically they will instead hold my payment for 10 days arbitrarily and mail a check. The Bank I sent the payment from XXXX offered to send any proof Ally needed to show the payment has cleared Ally refused and stood behind waiting 10 days to mail a check.

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 05-07-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Refi nanced mortgage to get lower rate and payment with Wells Fargo the original loan holder of the previous mortgage. Lots of people were in on the underwriting and It seemed they were going through staff changes during my closing process. My payments were to be   XXXX  less per month.  Now many months later my taxes are due and I received a bill from my county. When I call WF tells me they are paying it not to worry. It is part of my escrow that was carried forward. Yesterday I got a bill from Wells fargo saying they paid some   Title company    XXXX   and  my county. Well if they did I would n't have a bill! They say I will be receiving a refund which I have not as yet from one of these and  if I do n't send it to them they will raise my payment  XXXX  dollars a month due to my escrow. Why did I refinance in the first place? This is incompetence of the highest!

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 05/18/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My account wa s sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks   XXXX    separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I googled the phone numbers and they have all been listed as scammed. I also called the 3rd  party vendor (   XXXX    ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my  FULL  social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was leaked or stolen in late XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait XXXX years I guess for this to fall off my credit.

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 05/23/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls, including XXXX this Saturday morning, XXXX/XXXX/2015, at XXXX., from ( XXXX ) XXXX, a company called Naviant (? ). I have the same first name, but a different last name, different address, and different date of birth. I have never borrowed from the company and, even so, I am not behind on any payments to anyone. I have told them all of this, and they still keep calling. In any event, I thought they could not call before XXXX I want them to stop calling me -- I am not the right person!.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with Ashton & Weinberg, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A woman claiming to be XXXX XXXX has left harassing and threatening voice messages at my home at XXXX for the past two days. She claims I have until XXXX to call her back or else. I called yesterday XXXX/XXXX/XXXX at XXXX and spoke with a gentleman from a " law firm ''. When I asked to speak to XXXX XXXX he does n't know who she is. He explained to me about a debt with XXXX from XXXX. I have not received a validation notice and he insists that I am lying and that I did receive XXXX of them. He verifies my address and still I tell him I 've never received one and I 'm not going to pay you over the phone without seeing something in writing. He was the most disgusting human being I 've ever spoken to. He was so demeaning and sarcastic it sickened me. I ask him for his mailing address and it took him 2 minutes to find it. He gave me the following address which is linked to a company called XXXX XXXX XXXX XXXX ( not a law firm ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, RI XXXX. I told him I will mail him a letter stating that he can no longer call my home number and leave threatening messages. He laughed at me. 

This morning I receive a phone call from XXXX XXXX. She insists that I 'm not the person that she needs to be speaking with. She continues to threaten me and tell me she will update her system and that I should be prepared for what 's coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Sometime during XX/XX/XXXX, I received 3 municipal bonds ( about $ XXXX each, as inheritance after XXXX [ XXXX for maternal grand-mother ] suffered 2 XXXX and was on her own bed for about a week {? } before XXXX a XXXX XXXX XXXX ) from my auntie XXXX XXXX ; she was the main daughter with the Powers of Attorney for my grand-mother XXXX XXXX. I was " couch surfing '' with my " father '' in XXXX at the time, and went to the nearest branch to deposit them, 1 at a time, 2 or 3 days in between ( my XXXX XXXX XXXX XXXX XXXX ). I did have  receipts for a while ( printed with dot-matrix inking, narrow like 3 inches wide, might 've been dated XX/XX/XXXX ), but I ended up throwing them away years afterwards, believing that I did n't need the money ( accustomed to using money earned from jobs ). Sometime during XX/XX/XXXX, I received XXXX knowledge about my Wells Fargo bank account, which led me to a downtown XXXX XXXX branch to request a copy of my accounts, which the service agent printed, but the records did n't have any text about where the moneys were transferred from ( I recall using a laptop I bought with my Wells Fargo debit card to transfer money from the savings account to my checking account to buy XXXX and XXXX XXXX books, as well as subscribe to XXXX and XXXX, and I might 've bought a few games or accessories to play on my brother 's 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 11/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (SD).
Issue: Other

Complaint: i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Auto) with Investment Retrievers, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Investment Retrievers continues to incorrectly report information to the XXXX credit bureaus despite having confirmed in a conversation that they are misreporting. They have continued to misrepresent the the balance and status of the account including account activity and they 've done so knowingly but are refusing to accurately report as a means of making sure I do n't stop paying.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Shopping for a loan or lease

Complaint: Wells Fargo turned me down for a car loan.

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 03/23/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Round Point Mortgage failed to calculate the appropriate escrow amount for last year 's tax bill, as a result I have stated they need to recalculate the amount I am charged on a monthly basis. This overestimation resulted in an approximate {$3500.00} refund from last year 's property taxes, which would be about {$290.00} reduction in escrow on a monthly basis. I have attempted to resolve the issue on 5 different phone calls ( all of which were unable to confirm the discussion through email to have a record of these conversations ), and over 3 secure messages. Their poor customer service has added no assurance that this matter is being taken seriously, and has me wishing that my XXXX mortgages that are currently with the organization had been sold to a more customer friendly and responsible mortgage service provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Rewards

Complaint: On XXXX XXXX, 2015 I got a very attractive credit card offer from XXXX XXXX ( incl ). Major benefit included : " {$150.00} cash back bonus. Spend {$500.00} in the first 90 days of Cardmembership and earn a {$150.00} cash back bonus ''. Same day I 've applied on-line and was approved. On my first statement, dated XXXX XXXX, 2015, I 've spend total {$800.00} and on XXXX XXXX paid in full ( incl ). According to the fine print : Bonus points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend ( incl ). So, I completely followed the rules and meet all requirements. Then I was patiently waiting for XXXX/XXXX/2015 statement to get my cash back bonus. Unfortunately, my XXXX statement arrived with no bonus and I call the XXXX XXXX customer service. Analyst agreed with my concern and advised me that resolution will come shortly by mail from a different department. On XXXX XXXX, I 've received the letter ( incl ) indicating that bonus rewards will be posted 10-12 weeks from the end of the offer period, which is additional month on a top of 2 month in original offer. I 've wait another month, but XXXX statement also come with no bonus. On XXXX XXXX, 2015 I called again customer service and spoke to several people including the manager. Nobody, including manager, was not able to give a clear answer why I do n't get my cash back bonus. Manager was so rude and unprofessional and told me : If I do n't like the service I should close the account, which I did ... 
Please investigate and advice ; what are we dealing here : false advertising or just poor service? Also, how come such a bad company can use and apply American express logo?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I asked for a cash out of {$50.00} on X/XX/17 from the XXXX app however later that day I received an email saying the request was canceled

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help 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 non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX  EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had been paying the private loan on the website. When payments became difficult I contacted AES to request a deferment or forbearance or altetnate payment options and they denied my request. I was unable to pay for several months do to health issues and unemployment. When I was able to resume payments I went to the website to try to set those up again only to learn that the debt had been sold. AES was unable to provide information to locate the current creditor at the time. I recently began to receive phone calls from a collector who would not provide information about the account in order for me to establish the legitimacy of their claim. I spoke with a representative on Friday XX/XX/2017 who offered unrealistic payment terms I again requested alternate repayment options but he refused and stated that collection activity will continue.

Company response to consumer: Closed with non-monetary relief