milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Payday loan () with Green Trust Cash, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: Hello, This loan I borrowed from XXXX Cash on XXXX/XXXX/15 and first pay due on XXXX/XXXX/15. Well the charges and fees if paid on XXXX/XXXX/15 would be {$630.00} total due back. Below are all the payments I have made on the account totaling {$800.00} : Paydates and amountsAmount Borrowed - $ 500.00amount owed if paid in full by XXXX/XXXX/15 - $ XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX loan should be paid in full by now and should not still be making payments. But instead they are still stating that I owe and showing the total loan amt due back to them a little over XXXX thousand dollars. This is predatory lending at it 's best and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Payday loan) with MARINER FINANCE, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a notification that a change was made to my Equifax credit report, upon checking I noticed there was a negative debt added on XXXX XXXX, 2017, to my credit report. I requested information from the credit bureau ( Equifax ) and submitted a dispute. I received an email from Equifax two weeks later stating an investigation was completed and they determined the debt belonged to me. I requested information they used to determine their investigation but I was told they would n't provide investigation details. <P/>I contacted the collection agency who submitted the debt to Equifax to request proof that the debt belonged to me. The information I received from the collection agency clearly states a different social security number, address, phone number, marital status, ethnic status, etc. Everything reported ( with the exception of my name ) was completely different. Equifax, the credit bureau did not conduct a thorough investigation and is listed this debt on my report despite that fact that all of the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Billing disputes

Complaint: Hello, I 'm having issues with Best Buy Credit Card. The problems started when I charged something to the Best Buy Credit Card with authorization. It was suppose to have been services using the XXXX for some computer work 2 years ago. When I picked up the computer I discovered that none of the work had been done and the company gave me back a complete refund. However, a complete refund was n't processed. The only thing that was charged was through the geeksquad and software that the geeksquad was suppose to install and active, which it never was. Best Buy never removed those charges. Even since then, I 've been battling Best Buy with Fake charges to fees and stuff that I do n't know. I 've finally asked Best Buy to provide me with a complete accounting of all the fees, charges and everything. They are charging me thins such as " late fees '' for claiming that my payment is late, when I pay it at the beginning of the month. Iv'e always paid the card at the beginning of the month and htye 've changed the date from the standard date of the month to a rotational every 28 days ... which means that the date moves. My bank has record on when it paid because its swet to go out the XXXX week of the month as I 'm on XXXX and that 's when my income comes in. I 've called the company they claim they have n't changed, which is non sense. Not only have they changed the pay due date and charging me late fees wthout notficiaiton, they changed the type of charge card from a master card to a visa and I was never given the notficiaton. I 've also had some identity theft issues that I 've been dealing with and these were removed. So basically they are having me pay " late fees '' on something that I 'm not charging only to collect a fee. They claim that the payment is due on the XXXX or something like that and I paid it the XXXX week of the month, two weeks early, so then tjey claim that well y payment must have been fro the previous month because of their " late fee '' wrong, Its for the month. I even went and paid them several times two payments in the same month ( bank records ) and thet still go and charge me claiinng that its late. ( I paid around the XXXX and then the XXXX ) well, if the payment due date is XX/XX/XXXX an I paid on XX/XX/XXXX and they have a 28 day billing cycle then the payment is wthin the correct day closgin, correct? I 've requested the aduit they 've refused. I 've requested to speak with a supervisor regarding this they refuse. At this time I believe that Best Buy owes me for fees that they 've illegally charged because I have n't been using the card at all!!! in case the representative said the ONLY FEES that was on the card were the LATE FEES ... .well if I did n't have a balance and I paid it off athen why am I being charged late fees????? I need help and XXXXbest buy is refusing to assist.

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 12-11-2016 about Debt collection (I do not know) with Monterey Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company, Monterey Collections, they are a dirty company. I submitted a complaint against them around XX/XX/2016. They removed the collection which was reporting a balance of {$1000.00} and reported it as a new collection for {$1000.00} ... oh and they still have not responded to my first document I sent them. I hope the FTC nails their CEO and fines these pety low lifes back where they belong. Sad imagine who else they 're doing this to. I have never bough anything from this company ( for like literally the 11th time ). 

Monterey Collections has severely violated the FDCPA, FCRA, and the FACTA on more than 1 occasion. 

I have all the docs I just have n't uploaded them in. I do feel good though sharing with the world how this company truly is.I 'm filing other complaints directly against their CEO and staff this afternoon. 

Thank you for assisting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received A letter that my account had been turned over to I.C. Systems. I believe this collection attempt is in error, as it refers to a XXXX account that was closed in XXXX 2015. After the account was closed, I contacted XXXX after receiving a bill, and they informed me that their billing had simply not caught up to their emails, and that I owed nothing on the account. 
I attempted to contact IC System via their website and the phone number listed on their letter, but the website does not exist, and the phone number rang once and held.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Federal student loan debt) with SECURITY CREDIT SYSTEMS INC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I was trading on the Coinbase platform up until XX/XX/XXXX when I was locked out of my account. I have been restricted access to my funds since XX/XX/2017. I have called and emailed the company countless times with no resolution. I am still currently locked out of my account nearly 3 months later, and all they can say is " a specialist has to take care of that. '' They will give me no time frame and no more information than that I just have to wait. This is criminal. This is my money they are withholding from me. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ChexSystems report shows that an inquiry initiated by consumer action occured on  XXXX / XXXX /  XXXX   by  XXXX   XXXX  on behalf of  XXXX   XXXX  Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.

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 05-08-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: There is a full deposition of the stamped fraudulent signature of  XXXX   XXXX  entered into a court case No. XXXX  In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with Essential Retrieval Group (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. 
XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.

Company response to consumer: Untimely response
Consumer complaint received 11/23/2015 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Managing the loan or lease

Complaint: Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: American express serve is tampering with a fraudulent investigation and refusing to include all fraudulent transactions once reported involing my account been hacked allowing multiple fraudent Transactions on my account from amazon noting I never had any buissness with a place or merchant called amazon.American express serve files a partial distpute than issue a patial credit than take funds from the merchants, than gives it back to the merchant and cancel the remaing of the dispute stateing I cancle the dispute one the XX/XX/XXXX attempting to interfered or tamper with a investigation ... I have all emails if needed

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have received multiple calls from this collection agency for someone else. I 've told the representative repeatedly that they have the wrong number. The rep continues to argue with about this being the first time that they 've called. 

Today the same thing happened only this time I was called a XXXX by the collection agency representative. I hung up the phone and called back and spoke with a supervisor. I was told that the they listened to the call and the rep would be reprimanded and my phone number would be removed from the call list.

Company response to consumer: Closed
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ABC Financial  charge a {$20.00} " Insufficient Funds Fee ''. I called them the same day to offer an alternate form of payment since the credit card on file was reported lost. They refused to run another card on the due date and proceeded to charge the fee anyway. This company rips people off and hides behind fine print in a gym contract. I have asked to sign a new contract that eliminates the fee and they have refused. I do not believe what they are doing is ethical or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX-2015 {$150.00} no contact signed do no owe debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Closing on a mortgage

Complaint: ACCOUNT NUMBER XXXX Property address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXXXXXX These are Serious Mortgage practices you failed to provide /answer /disclose or maybe even broke the law. Attached is your letter dated XX/XX/2017 which appears your unable to find /locate the unauthorized charges which SPS has been the servicer assigned from XXXX and you provided never a response and again doing everything you can to stale /delay and not provide full explanation and simply make additional large excessive profit and simply ripping off consumers. You SPS have carefully, willfully and deliberately hide /refuse to acknowledge or provide proof ( more exact ) number which apparently your unable to locate is {$11000.00} of unauthorized charges ( SEE PAYOFF STATEMENT AND YOUR OWN STATEMENT ). My Principle balance was only XXXX yet you reported to the Title Company unpaid Principal is XXXX. You SPS are hiding interest from IRS and me as the customer. SPS assigned from XXXX XXXX have unauthorized charges to place on my account of {$11000.00} and I demand this money back to XXXX XXXX and XXXX XXXXXXXX XXXX the rightful persons on the mortgage. You find not find any authorization from XXXX or XXXX XXXX XXXX approving these this interest if anything SPS assigned from XXXX has been losing my paper work for six years trying to do a loan modification which SPS FAILED but amazing XXXX XXXX was able to assist. I demand this {$11000.00} that you added as principal which my balance and all these years my interest statement is as reported to IRS is {$84000.00} and that how interest statement were sent to me. You can not just add {$11000.00} to my principal just because you know this was unauthorized charges. Final, I check with XXXX XXXX there is NO subornation agreement notifying XXXX XXXX that the principal balance has been raised, XXXX XXXX servicing for FHA Since your unable to find your own documentation, I file an official complaint with XXXXonsumer Financial Protection Bureau as your mortgage practices fall in line with being Predatory as you are taking advantage of Senior, my wife at XXXX and me at XXXX, refuse to answer my questions, appears to be not explain proof of your actions and ( 3 ) unable to explain/find proof of anything ( 4 ) Unable to answer or respond to my principal is XXXX that how for 10 years sending 1099 statements out, we been filing interest claims and during the payoff you SPS added {$11000.00} of unauthorized charge which are and never was agreed on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation