milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Debt collection (Payday loan debt) with Oracle Financial Group LLC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX  with  OFG LLC,   XXXX , contacted my mother asking her to have me call. I called inquiring what this was about and advised I was at work, so this needed to be quick or I could callback later.  XXXX   XXXX  stated I took out a loan with  XXXX   XXXX  and I needed to either pay in full or make payment arraignments. I explained I filed for bankruptcy, he stated this debt was not included. I again explained I was at work and told him he has my address, he can mail me the information he has because to date I have received no calls or mail about this debt. I also asked for no phone calls at all and only contac t via USPS. Thi s is when he stated in a threatening tone, he has a job to do and will just do his job. I would like to receive documentation and proof of the debt, this seemed to anger  XXXX   XXXX . I also will not be bullied until a payment arraignment without verifying a debt and can not understand why this is an issue for  XXXX   XXXX   XXXX  and  OFG LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with U.S. BANCORP (ND).
Issue: Deposits and withdrawals

Complaint: no business.. 
I called several times to ph:XXXX and expected amount inside my checking account XXXX usd, nothing was like deposit since Friday XXXX until today XXXX. Teller said they can not help me, I need to travel to local branch office in XXXX, XXXX-I am in XXXX, XXXX, because I do not know the pin for my d.card:XXXX, exp.XX/XX/XXXX.I can not go walking, without car, and they refused to tell me account number by phone or to inform XXXX XXXX for info for deposit . Always advises : do this, do that, until I received in XXXX XXXX XXXX. The office in XXXX, XXXX is refusing me new opening for checking since XX/XX/XXXX.I always fixed somebody 's mistakes, last negative balance which I paid in XX/XX/XXXX was from Gold 's gym -extra charges from us bank account-4-5 times over the membership money for 2 months paid from my friend. So I fixed it.No wi am circling town-nothing is possible, she said : " go and do it on line '' but -I am answering, I am calling, because I ca n't do it, for exmpl. : if I am in XXXX, I do not need her advise to check something in us bank in XXXX XXXX, she misunderstood, last time before now XXXX. from XXXX answered. Apology! 
I am tired to be returned, to waste time, to loose money walking, no business is possible between us. On line is sounding : 'he never will send you this money, he is without money '' -so it is XXXX refusal and the end-XXXX job. I plainly paid XXXX purchase treadmill since XX/XX/XXXX and 3 weeks I can not receive my money back. The main amount XXXX usd sent from my mom, XXXX, XXXX to see me in XXXX after 14 y. I am in this XXXX XXXX.I lost more than half of the money in fees, charges, refusals, deposits cash-money in advance, holdings, delays, gas, etc. Pls, do not return customers, if possible.

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 07/13/2015 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (PA).
Issue: Problems when you are unable to pay

Complaint: I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the XXXX of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threatening e-mails as well. I am able to pay the full balance on XXXX XXXX to resolve this matter but no one is calling me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are inquires on my credit report that are not mine.

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 10-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (ME).
Issue: Late fee

Complaint: Barclay cards. XXXX 2016 I consolidated XXXX credit card payments with the help of XXXX, with all parties agreeable to the terms. Payments have been automatically generated every month. Barclay starts charging late fees ( they changed the amount due ) There was never a late payment. I called and thought we had it settled a couple of weeks ago even with the communication barrier only to find that there was no changes made to my account to bring it current. I have never been late on my credits cards ever. Called again last week ( XXXX ) and was assured it would be fixed. It is not fixed and they have inactivated my access to my account online and am currently being charged late fees as well as staying in arrears for 2 consecutive months now. Have spent numerous hours on phone in attempts to rectify this with challenging language barriers. Customer support is not worth the time invested in the phone call. Emails go unacknowledged. Access to account cut off. Please help. Thanks.

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 06/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Delta Outsource Group, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with MILEND, INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Contacted MiLend Inc in XXXX, GA back in XXXX of 2017 of securing a mortgage through them. Spoke with a young girl named XXXX who was new with the company. Explained our circumstances of what we were looking for in our loan. She seemed to tell me everything I wanted to hear. We had a fresh appraisal and wanted to use that and not pay for another, " no problem I heard ''. Wanted a interest rate for a 15 year fixed at 3.5 %, yup we can do that as long as everything with you checks out. Both my wife and myself have over a 750 credit score and should yield some of the best rates. Having a credit history of paying mortgages for over 30 years with not ever making a late payment was also another attribute as to our risk factor. Then the phone call in the 11th hour. We have to pay for another appraisal, ok we '' re not happy but we '' ll go along with it. Oh yeah the 3.5 % interest rate is now 4.25 % with a lame excuse of we were only borrowing {$90000.00} and loans under {$100000.00} have to pay more to make it worth it to their investors. Closing costs that were said to be approximately {$2000.00} are now inflated to over {$4000.00}. When I called to talk to a supervisor I was given a run around. At that point we pulled the plug on them. I can only say a deceitful company, shame on them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Application, originator, mortgage broker

Complaint: The bank obtained the property through a foreclosure. To the best of my knowledge any efforts to date to sell the property have been by an online auction process. This process has not allowed for interior inspection prior to the auction bid and could be one of the reasons why the minimum amount required by the Bank has not resulted in a sale. The home has remained vacant since XXXX, XXXX. The Bank is not maintaining the property. As President of the XXXX XXXX in which this property is located and as a home owner who lives XXXX doors from this house, I 'm particularly concerned about the vacant status and lack of maintenance of this home. A letter was sent to JP Morgan Chase XXXX/XXXX/XXXX requesting they work with the XXXX XXXX to retain a local Real Estate Agent who could market the property for them. A reply was requested by XXXX/XXXX/XXXX. To date ( XXXX/XXXX/XXXX ) we have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (I do not know) with Russell W Richardson, Attorney at Law (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has called family, friends, and acquaintances trying to reach me. I have called back and when I refuse to provide my social security #, they say that I will be arrested at my work before the end of the day. I asked them to send me documentation that I owe them something and they state that they do not have to do that. Again, telling me that if I do n't provide a payment while on the phone, I will go to jail. They have even called family member of my family members who do n't even know me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with DISCOVER BANK (WA).
Issue: Credit determination

Complaint: Explanation of complaint : I want to file a case of discrimination against dicover card. 
I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. 
thanks a lot, mtan

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Mortgage debt) with Sortis Financial, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started to receive letters from Clear Spring about 1 year ago asking for payment of {$5300.00} with no explanation of where the debt was incurred, I have asked for signed contracts with no response, I have been fighting to get this removed from my credit reports as I can not cosign student loans for my daughters. 
I recently received a letter saying I can settle the claim of {$5300.00} for one payment of {$530.00}, this company has provided no documentation nor  contract and I am not about to settle on an account that never existed

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB, Citibank assisted me with paying my property taxes and homeowners insurance because I was unemployed for nearly 2 years. I pursued a XXXX license to develop new skills and was hired by XXXX XXXX XXXX, in XX/XX/XXXX. Since, I have been struggling with Citibank to straighten my mortgage account balance due. 
In XX/XX/XXXX, I took over paying my OWN homeowners insurance and property taxes because Citibank 's Escrow charges were escalating at an exorbitant rate. They are charging me {$28000.00} in arrears. Citibank added their own homeowners insurance and paid approximately {$4500.00} XXXX year and a second time {$4700.00}, WITHOUT MY CONSENT, At that time, I tried doing a Modification so that I could catch-up. Citibank refused. 

Recently, I also tried to lower my interest payment to see if there was a way that I could make progress towards paying my mortgage and account in arrears. However, all Citibank offered was to refinance my mortgage to a 20 year, but I said no because I should be finished paying off my mortgage balance in less than 3 years. 
What I find I find interesting, is that I did not receive statements from XXXX County indicating how much Citibank paid and NOW CITI is charging me {$28000.00}. 
Needless, to say, I am in the dark and do not trust any of the charges that appear on my statements. 

PLEASE HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Customer service / Customer relations

Complaint: They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, I noticed a hard inquiry from XXXX that occurred on XXXX/XXXX/XXXX. I had applied for a XXXX credit card back in XXXX of XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I sent TransWorld System a letter which was received on XX/XX/XXXX at XXXX XXXX per the United States postal service ... I asked them to validate the debt by sending an audit trail as well as a promissory note and I have yet to receive any correspondence ... TransWorld removed the account from my credit report and then shortly after added it back without sending me any correspondence as to what actions were being taken. TransWorld has also failed to place my account in dispute as it has been pass the 30 days as to when they received the letter ... .TransWorld is in direct violation of the FCRA ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Problems when you are unable to pay

Complaint: i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. 
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have contacted Capital one several times in the past few months on my credit interest rates and asking if they could help by lowering my credit interest. Every time I complain to Capital one, it seems that they increase my interest rate another .25 %. In the past 6 months my interest rate has been raised 4 times, even though I have tried to make additional amounts above the minimum. Each time I have contacted Capital one they have told me that they can not help me and after each contact another .25 % increase was put onto my cards.is there anyway that the FTC can investigate on my behalf on why this is happening. If my interest rates continue to increase I will be forced into bankruptcy. 

I have paid my bills in good faith but they do not seem to care about my on time payments rather just on ways they can increase my interest so that the monthly charges are well above a reasonable rate. 

this pertains to several of my credit cards : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX I am on XXXX and can not afford for every company to jack up their rates well over what I receive in my XXXX  increases. It seems that every time we turn around they are increasing my costs and not increasing my income. The credit card companies seem to be the worst of most of them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (I do not know) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I received a zero percent balance transfer until XXXX 2018. I had my insurance payments charge to this card. I paid these charges off along with the minimum payment each month. I was still charged interest on these charges despite that fact that I paid them off. A representative told me previously that I would not be charged interest if I did this. I spoke to another representative today and she told me that I not only will be charged interest for charges I made, but I would also be charged interest on an additional amount next month that I did not understand. I asked her if they charge interest daily. She said no. But I do n't understand why I am still being charged interest on an amount that I paid off plus more than the minimum monthly payment

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