milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a car loan opened XX/XX/XXXX with XXXX XXXX and paid off in XX/XX/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Problems caused by my funds being low

Complaint: Bank of america reordering my debit card transactions and holding small transactions back until big transactions get my account low and then pushing through the small transactions to see how many they can charge a NFS returned fee for. The returned fee is {$35.00} and these crooks have stolen XXXX from me over the last few short months by showing me a debit card transaction is paid on my account page and i have x amount of dollars left but then they say thats not accurate and magically those small transactions are witheld from debiting until it would create a returned nsf fee. This company is crooked!

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 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX breached our contract by not providing a signal in our home. The fact they provided us a " Booster '' that connected to my internet is proof enough. Providing this booster is XXXX admission that they had poor to no service. 
In XXXX XXXX we lost power due to a storm. During those 3 hours my internet was not powered and we could not get ANY signal from XXXX in our home. We have an XXXX year-old parent living in our home with health problems and has had numerous XXXX. After 20 years of paying XXXX XXXX of dollars using XXXX auto-pay, never a late payment, and listening to XXXX tell us every year that the service would improve, we ported our phones to XXXX. XXXX attempted to talk us back into using them. They would only allow communication by phone, not email. This is a deliberate scam XXXX uses to hide behind their recorded phones and leave their customers without any rebuttal. 
Bottom line they stretched full separation from this contract out over months of time, claiming during that time they were still providing us service. With our lines/phone numbers transferred to XXXX XXXX providing us service of any kind is totally impossible!!! 
In XXXX XXXX they apparently sold this false debt to Allied Collection Service, then totaling {$1400.00} of false charges and fees. Allied called us and we thought we had made it crystal clear to Allied we did not owe XXXX anything. I filed a compliant against XXXX with this site, and the FTC. I provided copies of these filed complaints to Allied by email and the issue went away ... we thought. The XXXX XXXX XXXX XXXX XXXX sent me an alert that my credit had been hit by XXXX and Allied. XXXX sent me a non-registered letter threatening me. I immediately filed another complaint, this time with the FCC and XXXX went silent. Then Allied hits us again with the same attempt to collect money from us that we do not owe. 
Now our credit reports have taken major damage, dropping our good credit ratings by more than XXXX points. This should be a criminal offense due to : harassment, character defamation, loss of income due to countless hours spent defending ourselves, and incredible stress ( having had XXXX XXXX XXXX this is not good ). 
Now our only option is to retain an attorney which we have in process. The only way I was able to get any communication with XXXX was by " chat '' on their XXXX page ... I have printed copies of the chat transcripts and many other documents for our attorney. 
PLEASE help us right this wrong!

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 06-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: First of a ll I filed a complaint against chase Bank for the  XXXX  family trust I am the trustee of the estate the first complaint was not resolved yet case number  XXXX  Chase bank said that they will contact me that was a week ago.Also I had request the history of the accounts with  XXXX   XXXX  name on accounts so that I can account for all assests both  XXXX  and  XXXX   XXXX  the  XXXX  are both deceased I would like all history statements from  XXXX   XXXX  to close out the estate.they refused to release history statements because my name is not on the accounts but in fact as trustee the accounts belong to me and the  XXXX   family trust

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I signed up for a private student loan for Chase Bank at the age of XXXX to cover my education expenses. Of course at that age I was extremely naive to the drawbacks of a private student loan. Years latter I received a call from Chase Bank telling me that the loan totaling {$21000.00} was due in full immediately. The gentleman I spoke to was extremely rude and told me that there was no way to pay the loan back in installments or a payment arrangement. He told me that the only way I could resolve this matter is by somehow coming up with the full sum of the loan and pay it back immediately. I found this odd because I am still in school and was under the assumption that the loan would be payed back upon graduation and through a payment arrangement like a traditional student loan. Now the loan has defaulted on my credit report, ruining my hopes of establishing credit and owning a home. If Chase Bank would be willing to negotiate some type of terms I would be more the willing to start paying back what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My wife and I were honeymooning in  XXXX  over the holidays in  XXXX . On our first day in  XXXX ,   XXXX   XXXX   XXXX  , we were taken unexpectedly through an elaborate manipulation that landed us in  XXXX   XXXX , a tailor that we thought at the time was legitimate but soon after realized we had been swindled out of {$1700.00} in clothes. Within the hour we immediately ran to the hotel, and confirmed our fears with the front desk who advised us to call our bank right away. So, we did. While my wife was on the phone with CHASE I used the hotels cell phone to call the store, talked with the owner and after much debate we hung up confirming the cancellation of the sale. As my wife wrapped up her conversation with CHASE what was understood on our end was that the charge would be placed on hold and would not go through. Our next course of action was to then take it up with the Fraud Department, which we did. However, in  XXXX  we received a letter in the mail that  Chase  ruled in favor for  XXXX   XXXX  because I signed a " no refund '' receipt. So I then contacted the  Executive  Office of Chase on   XXXX   XXXX   to, once again, explain our case. The Executive Office responded now that they can no longer help us either.    1 )   XXXX   XXXX  manipulated a sale. It is a fraudulent situation. There are many  XXXX   XXXX  reports stating the same thing. We would be happy to print them up for you and/or send web links for your records.    2 )  We called right away to confront and stop the charge. We followed  Chase  's directions which was to contact the merchant and agree on the cancellation of the sale.    3 )   XXXX   XXXX  is lying in their report. They never came for a second fitting to our hotel. They didnt make our garments already ; there is no way. Its impossible. We called them, and  Chase  within an hour after leaving the store.    4 ) If they DIDNT  cancel the sale then they should have sent the garments to our hotel in  XXXX  on   XXXX   XXXX   XXXX  , which was the initial agreed upon shipping location and date. That never happened.    5 )  We dont understand why the money was released and even processed to  XXXX   XXXX . The whole reason we called right away was to catch the processing of the payment before it went through, which we understood was successful on   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TN).
Issue: Fees

Complaint: I have been with WU for about XXXX years. Recently they changed their debit card to Netspend and started charging approximately {$2.00} per transaction. I called and spoke with them and they told me in order to stop paying the fees for every transaction I need to pay a monthly fee instead. 

The old western union card which I had up until a year they never charge a fee for a transaction except for adding adding money to the card which was the attraction of using the card. 

Now no matter what amount they hit me with a XXXX fee. so if i spend XXXX I have to pay XXXX. They get to collect interest off my money. 
i have a XXXX prepaid debit and they only charge a fee when making the deposit onto the card. 
see attached ( XXXX ) which is my account ledger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX 2017, I have received two calls a day, six days a week from a company call Portfolio Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. They use numerous different numbers to call from including:XXXX, XXXX, XXXX, XXXX. The calls come at approximately the same time every day. The phone rings twice and they hang up. Only once was I able to answer in time. The caller was looking for someone who I do not know and is not at this phone number. I explained this to the caller who was then very rude. I told them not to call any more, but the calls continue. NO ONE IN MY HOUSEHOLD OWES ANYONE ANY MONEY. THESE CALLS ARE NOT FOR ME. These are now Robo calls, there is an electronic sound on the line, but no one answers. Receiving thousands of phone calls over a 6 month period of time from the same company is simply harassment. The number they are calling me at is XXXX. I wish to report Portfolio Recovery for telephone harassment. I an also on the DO NOT CALL REGISTRY. I have NEVER received anything in the mail from this company about any issue, so why do they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX and again XX/XX/XXXX I received a Notice of Default on a property that I own in Washington State. No action was taken by Nation Star ( the lien holder ) at that time, just the notices. XX/XX/XXXX I called Nation Star to see if they would consider a deed in lieu and began working with one of their employees named XXXX XXXX. By XX/XX/XXXX it was decided by Nation Star that they would not move forward with the deed in lieu because of site issues with the property. I then started working with the short sale department with Nation Star. I had a buyer and a back up buyer on board at that time. 
Nation Stars policy regarding short sales, I was told then and just again today ( XXXX/XXXX/XXXX ) is to hold an auction. There were XXXX auctions from XX/XX/XXXX through XXXX XXXX without a bid on the house. I was told by Nation Star that they would put the house up one more time before XX/XX/XXXX and if no buyer was found then they would proceed with the foreclosure. So my real estate agent and the buyer walked away from the deal. In XXXX of XXXX I was contacted by Nation Star to see if I would consider another short sale agreement and I said that I did n't think that my real estate agent would agree nor the buyer if another auction would be a part of the short sale process again. They told me that since the Notice of Trustee Sale was to be held in XX/XX/XXXX they probably would n't move forward with an auction, so I called my real estate agent and she called the buyer and we began again the short sale process. As of today, XXXX XXXX, XXXX, Nation Star wants to proceed with another auction on the property. I had requested in writing that they bypass the auction and either proceed with the short sale or go to foreclosure. I was told that they would consider what they wanted to do and would contact us through their equator program. Have n't heard a word from the equator XXXX XXXX with Nation Star. That request to bypass the auction process was delivered over a week ago.

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

Complaint: My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For at least 10 years I have been hounded about money owed on a XXXX account. I never opened a XXXX account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I filled a complaint with the CFPB against Shellpoint Mortgage Servicing and their representative XXXX XXXX XXXX XXXX XXXX XXXX responded for Shellpoint with verifiable FALSE answers. XX/XX/XXXX to cover up Shellpoint 's violations of CFPB & State of California Loss Mitigation laws & Regulations. XXXX XXXX XXXX never sent his response to me because of his incriminating statement contained in his letter. Upon discovery I sent an immediate protest letter to Shellpoint for illegal & wrongful denial of my XX/XX/XXXX Loss Mitigation application. ( Letters, attached dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX XXXX & Shellpoint intentionally reversed my complete " Application Status of XX/XX/XXXX in retaliation for my CFPB complaint filed XX/XX/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 01/13/2018 about Debt collection (Medical debt) with Firstsource Advantage, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company failed to pay my county taxes for tax year XX/XX/XXXX in XX/XX/XXXX. So the XX/XX/XXXX taxes and the XX/XX/XXXX taxes were on my XXXX XXXX. This caused my itemized deductions to be too high and I ended up hitting XXXX and lost about XXXX in refunds. Because they paid the XX/XX/XXXX taxes in XX/XX/XXXX The escrow analysis for XX/XX/XXXX was not correct. The escrow analysis for XX/XX/XXXX showed a shortage of {$6.00}. The escrow analysis XX/XX/XXXX shows a shortage of {$4200.00} this is due to escrow not being calculated correctly for XX/XX/XXXX and was carried over to the XX/XX/XXXX escrow analysis. All the taxes were paid in XX/XX/XXXX but the amounts were not update in the escrow analysis. Basically I am playing catchup for XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In late XXXX 2016, I listed my home for sale because I could not pay the mortgage. On XXXX XXXX, 2016 I received a notice of Intention to Forclose Mortgage. I had spoken to the mortgage company several times and knew this was coming. I wanted to work with them to turn over the home to them as soon as possible to minimize the loss for everyone. On XXXX XXXX, 2016, I was assigned a " single point of contact ''. His name was " XXXX '', but he could not provide a last name. I called numeous times including XXXX/XXXX/2016 and XXXX/XXXX/2016 and spoke to different people. On XXXX XXXX, 2016, I mailed the " Loss Mitigation '' package to the company by regular mail. " XXXX '' acknowledged receipt several days later. I spoke to him several times and mailed in a revised IRS XXXX form as requested and sent a copy of the real estate listing agreement as requested. XXXX assured me the matter was a " slam dunk '' and the closing would occur in 45 to 60 days. ( I was later told it would have closed on XXXX XXXX, 2016 ). Instead, I received a letter saying my request was denied due to missing bank statements. IN FACT THE BANK STATEMENTS HAD BEEN SUPPLIED. I called many times to get this completed and spoke to a different person each time. I was told " XXXX '' quit, there was package there but " there was nothing in it '', the package itself no longer exised but it " was in the computer ''. I was often told documents that I had suppled were not there. Eventually I was told the time had lapsed and I had to begin all over again. These calls included the following : XXXX/XXXX/16 ; XXXX/XXXX/2016 ( the system was down ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people ) ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people. ) I once again completed the package, ( it took WEEKS to get another copy ) and mailed it in. They denied receiving it but depending on who I spoke to some of the people seemed to have some of the documents I sent. I sent it AGAIN by certifed mail on XXXX/XXXX/2016. Since then they have asked for douments that do not exist, such as XXXX forms in connection with a sale and documents already received. I am told my file can not be assigned to any particular person. In the meantime, on XXXX XXXX, 2016 they filed a forclosure action in court. I tried contacting the attorney who signed the complaint, and was told she " left the firm ''. The attonrey who was taking over the file did not have the file the first time I spoke to him. He is polite and usually returns my calls but seems unable to help.

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