milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Privacy

Complaint: I filed a complaint a week ago regarding American Express contacting my spouse without my concent. They then said they took that number off there screen when I called them. I NEVER authorized them to use any other numbers other then the one I provided when opening the account. I want documents showing that I authorized my spouse cell number to be added to my account. By law they should not be contacting anyone or using any numbers i have not provided. So you telling me if I contact American Express from a public phone they going to call that # and release my information? I want all documents and recordings of my calls to be sent to me with American Express paying the expense to send them to me. Or I will have my attorney draw up paper work to obtain that information, then I will go puiblic to social media, news channels, to show them how careless and unprotected american express is with its customers information and privacy. I will fight this till American express admits it screwed up on contacting someone else other then the card older. As a result of them contacting my spouse it caused us to split up, and i will sue for damages if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I received a letter in the mail from CitiBank stating that they never received a payment. Despite having and sending proof of the payment, two missing payment investigations have been started and closed, both stating the payment " could not be located ''. This will now put a flag on my credit reports that I recently just reviewed and fixed, as well as XXXX me out of {$100.00}. This is not the first issue I 've had with making payments to this bank via check that they somehow also lost

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Medical) with Radius Global Solutions LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau as a debt collector acquired my personal information on a medical debt that was sufficiently paid by my XXXX health insurance plan several years ago. The service date shows XXXX XXXX, XXXX, and suddenly I 'm sent a collection notice nearly five ( 5 ) years later. I demand an attachment on ownership or transfer on rights to attempt to collect a debt. Secondly, I demand a copy of the original thirty day ( 30 ) notice from the original creditor, and last I demand a copy of a 180-day notice that there will be no attempt to damage my personal credit report as mandated by the FTC-CFPB with all pertinent credit bureaus in fiscal year XXXX. A copy of said mandate is attached. This collection is highly illegal. Central Credit Services is neither licensed or bonded to attempt collections in the state of New Jersey. They acquired my information on a five-year-old debt that has already been satisfied through insurance. This company must close this file, cease and desist any further collection attempts from me, and purge my name from their computer base.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX IM SICK OF THESE XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES

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 02/15/2018 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: Information belongs to someone else

Complaint: Experian, XXXX  and XXXX  have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a 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 explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I wired out {$22000.00} on XX/XX/2017 from my XXXX account. But it still doesnt show in my XXXX USD Account. I spent plenty of time to contact them by email and calling. But no answer yet. Please help me out what I checked from my bank is it has already been deposited in their bank, please refer to the XXXX # that I got from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: I had elected for no overdraft coverage and the bank is still paying for things.

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 07/19/2017 about Debt collection (I do not know) with The CMI Group, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with Williams & Fudge, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, I was advised to check my credit score because it was way low so I checked my credit report to discover that there 's a collection account showing opened XXXX XXXX, XXXX and reported on XXXX XXXX, XXXX from Williams Fudge Inc. for {$4000.00}. I have not received any formal letter or a courtesy phone call from this company. My address and telephone number is still the same. I 've had many issues in the past with this company and others about this particular debt that keeps reoccurring on my credit report. I have already sent XXXX letters to Williams Fudge Inc. back in XXXX XXXX & XXXX XXXX ( certified mail receipt ) regarding this same exact debt letting the company know that I do not owe this debt. The negative information was removed off my credit report back then. In XXXX XXXX another company placed the exact same debt on my credit without notifying me. It was later removed. And here we are yet again in XXXX XXXX this debt is back on my credit report with another so called owner/collector. Ridiculous!! This is a horrible pattern with companies not notifying individuals & placing things on your credit, not providing legitimate validation but expect consumers to pay. I have asked several other agencies that are buying/selling/trading this particular debt to validate this debt. NO collection agency can provide to me a copy of a loan agreement, contract or promise to pay. For an agency to just keep putting negative/inaccurate debt on people 's credit report is wrong. At this point I feel like I am being harassed. I am asking for this to be removed once again from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX applied for a loan modification with her servicer, America 's Servicing Company. They responded with a denial for all programs, including an in-house proprietary modification program as they state in their denial letter, because XXXX XXXX shows a current ability to afford her mortgage payments. This reason is incoherent as the exact purpose of a modification application is to show that you have surpassed your hardship and are now able to get into good standing with a modified payment. The next reason they give for denial is that " [ y ] ou or a co-borrower have reached the allowable number of modifications. '' The borrower is aware of XXXX previous life of loan modifications. ASC does not identify what the maximum number of modifications is or whether it is an investor restriction. If an investor restriction, they must identify the specific restriction and an investor. Indeed, just a few months ago I received the same denial response from ASC from a borrower who had received XXXX previous modification. This seems to indicate that their decisions is arbitrary and not related to borrower 's ability to repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (SC).
Issue: Application, originator, mortgage broker

Complaint: Due to accounting errors with PHH Mortgage, my account was erroneously placed into foreclosure I have obtained an attorney and have made numerous, concerted efforts to work out the issues through mediation and have provided both a deposition and a loan modification request. 
The loan modification was mailed - with delivery confirmation - on on XXXX/XXXX/16 and contained all requested information. 
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property, with a sale date of XXXX XXXX, 2016.

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 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1 the entire amount was {$400.00} plus 2 I try to get my annual fee remove because I was n't aware of it. 
3 I closed the account so I can pay the amount little by little but nex mouth was XXXX or XXXX more 4 I wanted to pay them what I owe but the y keep on bringing the amount up 5 the were always extra fees or purchase from California I do n't live in California

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Federal student loan) with Ceannate (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted in XXXX XXXX by my XXXX yr old XXXX XXXX saying a detective was trying to locate me gave me a number when I called it was a representive from fms who said he was in charge of my student loans and wanted me to pay XXXX dollars over phone that day and get set up on a XXXX dollar month repayment plan I gave him new adress and said if he sent me the mail I would respond he never called back in may i recieved letter from XXXX issuing wage garnishment to correct adress as he sent everything to prior adress in tn I had not lived there since XXXX I never recieved his companys paperwork garnishment started immidiatly upwards of XXXX amonth and a yr later i still owe more than orriginal loan amount XXXX did an eternal review and denied my request for lowering payments even with childsupport taxes state and federal and insurance payments of XXXX a week this company has unlawfully cased my family hardships and made me finacialy unable to retain couinsil to defend myself and had not had contact with dept of education since XXXX when the company who had my loan went out of bussiness obviously I didnt have an oppertunity to respond to thier claims as i never recieved them at present adress.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with Grande Financial, Inc (OH).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2015This home purchase started in XXXX 2015. The Broker is Grande Financial. The first company that was used was XXXX XXXX XXXX , XXXX ( Never received a denial letter at all ) Application date XX/XX/2015- NO GOOD FAITH OR BOOKLET GIVEN OR MAILED. At that time paid {$440.00} for the appraisal The file was switched to FHA with XXXX XXXX XXXX , XXXX . This is when he had to pay additional {$200.00} for an FHA Appraisal. The lender was concerned because of the Identity of Interest. Once it was verified that the file was not Identity of Interest, the clients were told in an email, that the underwriter does n't the fact that family is selling to family, so therefore they need to put down XXXX % - Never received a denial letter or any paperwork showing the switch to FHA ( no good faith or Truth in lending ) On XXXX XXXX, 2015 they received new paperwork for a FHA Mortgage, through XXXX XXXX XXXX XXXX No Good Faith or Booklet was given. 
Then XXXX XXXX the email states that the underwriter did n't like the relationship, so therefore they have canceled the FHA case number and said that since the previous underwriter put notes into the FHA connection, no FHA mortgage can be done now-Still no denial letter. 
On XXXX XXXX, 2015, they received a Good Faith only, not sure why. 
On XXXX XXXX, 2015 the file was switched again to a Conventional mortgage-No Good Faith, Truth in lending or Booklet was given. When we started this process our credit scores were : XXXX and XXXX. XXXX 's scores XXXX,XXXX and XXXX. Now they are below XXXX. 
Even after receiving several copies of the appraisal, the seller was asked to put in writing that the home was not a depressed property, and verify that the Bank has not taken the house. The XXXX has also asked for a copy of the seller 's credit report. The seller has moved out of town for a new job and can not sell her home in XXXX because the Brokers and Lenders are not trying to close this deal. The sellers have been staying in a Hotel paying {$100.00} a day waiting for the closing. 
I am including several emails that the Brooker has sent to the client as well as their seller.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Today XX/XX/2018 at XXXX I contacted XXXX at XXXX. I contacted them in an effort to get my online banking unlocked. I currently have a Checking account, Credit card and Life Insurance policy with USB. I was told the only way I could unlock my Online Banking was to obtain a Debit Card. I expressed that I do not want a debit card on my checking account, that it is a service that is not wanted or needed. The individual on the call ( which I did confirm was recorded ) stated that it was required to have a debit card to have my account unlocked, because I had a debit card in the past ( which was five years ago ). I do not appreciate being FORCED into a product or service that I do not want, expressed that I do not want, and that I do not need. I feel as though they acted as XXXX XXXX recently did, but giving me no option and forcing me into a product that was never disclosed as a requirement. I do not want a debit card, I do want online access. And considering this was never a disclosed requirement to have a debit card to have online access I want it resolved immediately. I also highly encourage you to listen to the recorded call, I just had. I am completely amazed that they very abruptly violated regulation by forcing me into a service.

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 08/15/2015 about Debt collection (Auto) with URS Holding, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My husband who is XXXX year old military veteran, in declining age and in the early stage of forgetting things esp. when he takes pain medications, got involved in a trade- in transaction with XXXX XXXX thru an agent named XXXX XXXX , of XXXX , XXXX , XXXX. My husband used Kia Spectra, XXXX that is both in his name and mine to get a used pick up truck. 
The trade-in deal was hurriedly done, and within an hour or so, when I came home from my part-time job, I saw the red pick-up in our carport. I t came a surprise because that Kia was a perfect running condition, mortgage free and in fact XXXX XXXX XXXX offered to buy it back as trade-in for a newer model. 
Realizing that he could not pay the monthly payments for the used pick up truck, my husband called to return it on the second week.It was picked up after more than two weeks. 
As a wife of XXXX years, I asked about a signed contract for the transaction, but my husband had no copy to show me. Neither was there a copy of the return transaction. In short, I did not see a contract at all! 
I would describe this deal as done without following proper procedures. There was no careful screening as to the financial background whether my husband could afford to pay or not. Also, no proper interview was done to ascertain my husband health issue as to competence in making a car purchase without consulting me as a wife. If the agent was careful enough he would have seen that my husband could hardly talk, hardly walk, and even hard of hearing on his right ear. My husband is XXXX, and has XXXX. With medications he gets XXXX and does things he does not mean to do, like buying he truck he did not need. 
Now, my husband is facing a debt collection from United Recovery Systems based in XXXX XXXX in the amount of {$6200.00}, dated XXXX XXXX, 2015 thru the agent named XXXX XXXX. The Creditor named is XXXX XXXX XXXX, XXXX. But Actually, the deal was with XXXX XXXX in XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage account number XXXX I have contacted Citimortgage by phone, email, and by chat. The loan was paid in full and XXXX XXXX sent an automated payment afterwards. Citimortgage is stating that it was not received and XXXX XXXX is stating you received it. I am elderly ( XXXX ) and on a fixed income and. Payment was made on XXXX/XXXX/2016 and would like these funds immediately. Enclosed is a copy of the XXXX XXXX XXXX. 

XXXX/XXXX/16 Collapse Transaction XXXX with description : BILL PAY CITIMORTGAGE XXXX ON XXXX BILL PAY CITIMORTGAGE RECURRINGXXXX ON XXXX {$540.00} Sincerely yours, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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