milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been trying to get XXXX and the collections company-NAT'L CR MGT to remove this from my credit report for the past few months now. and no action has been taken. I originally agreed with XXXX to start paying on my balance XX/XX/XXXX. However, medical issues came up from XXXX, so I called and informed a rep I would resume payments XX/XX/XXXX and wanted to ensure it would not go to collections. And they told me that was fine, I could resume payments at that time. XX/XX/XXXX, I contacted XXXX to resume payments and was informed it went to a collections agency. I was extremely upset. I contacted the agency and also XXXX to get this removed from my credit report and nothing has been done. XXXX is trying to go off the email communication for the original payment agreement, but refuse to go by what I was told over the phone as well ... I have paid XXXX a lot of money out of pocket, and have XXXX small student loans with them that I pay ON TIME every month. it makes no sense I would purposely neglect this debt. 

The collection agent who originally called me from NAT'L CR MGT was so rude and talked to me like I was a 2 year old. He was very combative. When I explained to him I would make payments to XXXX, I am just trying to figure out why they sent this to collections ... his response to me was : " Well then I will just tell them you are refusing to pay altogether. " .. I said No! I am not refusing to pay, I am trying to figure out what they told me they would not send it to collections and still did. and he responds stating the same thing : " I will just tell them you are refusing to pay. '' He was basically trying to slyly threaten me into paying. I asked to speak to a supervisor and informed I did not want him calling my phone ever again because he was trying to lie about my issue to XXXX. I also complained to XXXX but they have done nothing but say they can only go off of email record and not over the phone, which is not fair to 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 05/18/2015 about Debt collection (I do not know) with AR Resources, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AR Resources has called my business cell phone several times asking for XXXX XXXX. I have told them on a couple of different occassions that this is no longer his phone and continue to receive calls. I know this is a debt collection violation and would like file a claim on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Auto debt) with Bridgecrest Acceptance Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Nothing. I just want this debt removed from my credit being that the car was repossessed and 8 months after you reported to my credit that the car was affected by natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Santander Bank, without giving any reason, asked me and my wife ( we both had our separate individual accounts ) to close our checking, saving and money market accounts and warned us that if we will not close the accounts within 30 days they will close the accounts. The balance in the account was returned after three weeks in my case without any interest. We had no problem with any other bank where we had our accounts or opened new accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have an account  with Capital one Business Spark.  My account #  XXXX , #  XXXX . I have been receiving funds through the account. O n   XXXX   XXXX    ,2017    I tried to access my account and I could n't log on. I called  Capital one  Bank and spoke with  XXXX  in security department @  XXXX  and he stated they decided to close my accounts and not do business with me moving forward and that the funds in the account will be held for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Payday loan debt) with Loantopia (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans.  We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you. 
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you. 

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XXXX XXXX XXXX XXXXXXXX XXXXX-XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This XXXX, we applied for a HELOC and were turned down because of a problem with our title. A copy of a letter describing the problem is attached. The lawyer who did the title search indicated Bank of America could solve the problem in two ways. Bank of America refused to provide the requested documents.

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 04/14/2015 about Debt collection (Medical) with DTA GROUP LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Parents and wife ( on her office phone ) received calls, from DTA Investigations, stating the I had lawsuit against me and needed to speak to me. I called them back and they informed me that I had a pending litigation against me from XX/XX/2008. I informed them that in the state of Texas I could not be sued after 4 years. They argued with me and accused me of lying about the medical bill, " So your saying on the record call you have never been to this location ''. I informed them I have never been treated at the facility in question. He again said this call is being record and repeated the statement above.

Company response to consumer: Untimely response
Consumer complaint received 06/22/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: Was unsatisfied with the way Discover was handling my account, so I closed it. They are now charging me 30 % interest, even though I 've never been late and I have very good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit line increase/decrease

Complaint: XXXX lowered my credit limit by XXXX with no notice. Account has been open since 2012, and balance had been paid in full for most billing cycles. In this instance, payment was 6 days late. Company claims they notified me of this policy in 2012.

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 04/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was trying to get some help from my lender Chase Bank by modified the loan due to reduction in my income, instead of helping me they always harassed me and taking too much time to take decisions, they asked me to submit a application like XXXX different time, one time they offer me forbearance agreement and asked me not pay your mortgage for two months and then they withdraw the agreement and I fall behind for three months payments, On XXXX XXXX or before the escalation department representative call me and offer payment plan and ask me to pay at one month payment then I will arrange a payment plan and did one month on XXXX XXXX, 2016, when called for payment plan they harass me so badly and told you must pay total outstanding or you will lose your home because you promise to pay total amount on XXXX XXXX, 2016, I told them that I just promise to pay only one month not three month but they deny me and lie to me and almost gave me XXXX XXXX by using harassing language, please help me and impose very heavy penalty on bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy. When we went to court had sale vacated, the purchaser was refunded his money and the Deed was deeded to me. That was almost 4 years ago, but this was not really a clear title. Contact with XXXX and Nationstar both denied the sale action. I have correspondence to prove it. I have tried to get status from Nationstar to know avail. Now the HOA is trying to foreclose ( dues ) put lien on property, I went to Nationstar again, this time after 4 months they admitted the mix up/wrong not in writing. Said I could stay in house until I die no payments, but if I sell would have to do a short sale, with no funds to me. I am trying to get a loan etc or sell to pay HOA but I really did n't pay because not sure of ownership but can not because of this problem, HOA O/S is about 7K but about 25K in attorney fees another issue over the limit of fees for this case. This is in Florida HOA filed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (I do not know) with A & E Futures LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Additionally, believe it to be a scam and not a real debt. Called me on XX/XX/2017 & left a voice mail at XXXX. Stated it was a XXXX XXXX, a licensed courier for XXXX XXXX re : a court order for XXXX XXXX, last XXXX of the social security # ending in XXXX. Now holding documentation that clearly states to dispatch to residence or place of employment to service you paperwork. However I can grant you the next 48 hours to contact the filing party to obtain your voluntary statement of consent as well as the opportunity to place the stop order on my services. The telephone # to the company is XXXX. XXXX, when calling reference your pending docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: ocwen mortgage refuses to do a loan modification on my loan. I have tried to get a modification on my loan XXXX times and I always get the answer of they can not do it. Loan is at 9 % way above normal rate. We are behind on mortgage they re fuse to help or use any of the gov programs.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I have been a customer of capital one for 10 years. I was told when I opened the account I would receive a increase which would help build my credit but have yet to see either I 've applied for a increase several times with no results. I know multiple people who have gotten there credit limit increased within a few months of opening there accounts and I have n't got one in the 10 years of opening mine

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have been dealing with XXXX about XXXX 30 day late marks on my credit reports for months. It all started because their system would n't allow me to pay online and the representative would not take a payment over the phone either. Even talked to the executive office VP and he has n't helped one bit. He told me he would tackle it one task at a time. Even called to tell me I can pay online because it has been fixed. Well I go to make my payment this month and it 's still not correct. I sent them a certified letter back when this all started and they sent me a generic form letter saying the information is correct but failed to mark my credit report disputed to this day so by law they should have fixed what is needed for violation that time frame.

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 08/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Other

Complaint: American Express is reporting an account on my credit report that I am no longer an authorized user on. I would like the XXXX American Express accounts that are currently showing balances removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was reported 30 days late but I made my payment on time.   XXXX   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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: A charge from XXXX appeared on my XX/XX/XXXX statement. It was billing on XX/XX/XXXX. I called XXXX  to get details. I did not purchase the item they outlined, so I disputed it with Bank of America. They mailed me a letter the next week saying they were investigating and that I needed to take no more action at that time. I then got a letter written onXX/XX/XXXXstating that they could not get in contact with me to get further information, and so I would be charged the amount on the disputed charge. I then called the question/help line for more information.

It turns out that they had tried twice, on XX/XX/XXXX and XX/XX/XXXX, ( I only have a recording forXX/XX/XXXX) to contact me by phone. They left messages on a line I have to admit I do n't always check regularly. Because I did n't respond, they closed the case on XX/XX/XXXX and told me that they would not investigate further. I now have to pay the {$340.00}.

I realize that not checking my messages during those few days was my error. However, I have used this card for years and have been a loyal customer. It also seems shady that they called me two days before the time runs out to investigate. I got no email ( even though I marked that as a preference for communication ), and no further letters regarding the matter. I will keep the card so it does n't impact my credit rating, but I will be moving to using a different primary card. Disappointing how they treat long time customers.

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 05/27/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I set up an account on XXXX to find a lender to purchase my first home. XXXX provided a small number of lenders that offered low interest rate that were generated from a soft inquiry of my credit report. Quicken Loans contacted me to see if i would be interest in using them as my lender of choice. I told XXXX XXXX the representative that i was using a down-payment i was granted by XXXX XXXX of {$15000.00} and was only! looking for a lender that accepted the grant ... and I only! wanted to know if Quicken loans was compatible and accepted this grant. he was unsure and stated he would check and get back to me but that he would also set up an online account for me to view other programs that they offer for first time buyers. he confirmed the last XXXX of my ssn to confirm my identity which he had from the XXXX lead. next day i check my XXXX account and i have a hard hit from quicken loans.. i was never inform nor did i authorize for them to run a report i only wanted information on them being able to accept the XXXX grant . i left an voicemail with the supervisor XXXX immediately. XXXX called and left a voicemail apologizing and said he reviewed the call recording and i was in fact correct that i was not informed and i did not authorize the report to be drawn.. and that they take this very seriously and will contact the bureau to dispute the report screen since it effected my score lowering it significantly! next day an exceutive of quicken loans calls me to say he reviewed the call and that they will not dispute the inquiry and that it was justified ... even after the supervisor who reviewed the recorded call said it was in fact faulted..

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Auto) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX repossessed a XXXX sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. XXXX sold this account for pennies of the dollar to Calvary portfolio Services of XXXX New York acct # XXXX wo called me at home atd told me I was a XXXX who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. XXXX did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only XXXX but not XXXX

Company response to consumer: Closed with non-monetary relief