milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/13/2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I attended to XXXX college for six months.. XXXX made me take out a private loan called American student financial group ; direct lending program ... of XXXX, to found out tow months later when the school closed without previous notice, when I did my financial aid that I did n't needed it because I had a Pell grant available ... im filling this complaint because they lied to me ... but only that because it was a fraud ... since I took a loan supposedly I needed to pay my education.. got in debt payed for an 18 months program and I just received 6 months and they closed ... how I 'm going to pay for something I did n't received??? .. I really want this loan to be discharge and continue with a new clean begging after what career point did to us ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

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 06-04-2015 about Debt collection (Federal student loan) with Performant Financial Corporation (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF OMAHA (NE).
Issue: Settlement process and costs

Complaint: I have a loan through first national bank of omaha that originated in XXXX of 2007. The loan was for XXXX. I have been paying XXXX a month for the last 9 years for a total of XXXX in payments. I checked my statement as i am interested in selling the house the loan is on and I still owe XXXX. So out of the XXXX in payments only XXXX went to principle. I was not made aware during the agreement that this loan was so insane.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage on a property in Mississippi. Since I have had this mortgage, I have made 2 payments each month, with instructions to the Servicer that an additional {$50.00} is for the Principal, and the 2nd payment of {$400.00} is to be applied totally toward the principal. XXXX bank and XXXX had no problems in doing this, but in XXXX 2013 Ocwen took over the Servicing. Ocwen is applying my additional payments to future months, and I have to call them each and every month to force them to correct this. Each month I do this, I get a letter from the Onbudsman that the issue has been corrected and will no longer happen again. But each and every month it continues to happen. I spoke with XXXX XXXX XXXX, Senior Counsel, Ocwen Financial Corporation, and she assured me that this would be resolved. I have letters from XXXX XXXX from the Office of the Ombudsmand for Ocwen Loan Servicing , LLC that states that it was resolved. I have spoken with Ocwen 's outside Counsel, XXXX XXXX, XXXX, ( XXXX ) XXXX, whom also stated that this would be resolved. My next step is to file civil action in U.S. District court to seek relief or some solution. That is when I found this web site where I can file a complaint to attempt again, for the last 2 years to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: Chase Credit Card Dept sent me a solicitation to upgrade my XXXX XXXX XXXX Credit Card to a Premier XXXX Rewards Credit Card in XXXX 2015. They promised me XXXX XXXX XXXX XXXX if I charged {$2000.00} with them in 90 days. I called them on XXXX XXXX or so and spoke with an agent who approved me for the upgrade without a credit report since I was already a customer, provided I spend {$2000.00} on the card in 90 days. I spent {$4000.00} in the time period and questioned them many times for my XXXX miles. 
I was told by many agents that I was approved and the marketing dept would send me the XXXX miles to my SouthWest Airline Rapid Rewards account. Nothing happened. 

I filed a complaint with their Executive Offices and Chase just blew me off. Finally last week an executive office agent named XXXX stated she reviewed the tape recording of XXXX XXXX conversation with me and I was correct that an offer was made to me and I did fulfill the requirements BUT, she said the agent told me I could not get a Premium card without Chase securing a new credit report. I ASKED TO HEAR A COPY OF THE XXXX XXXX CONVERSATION BUT CHASE SAID I NEED TO SUE THEM AND FILE A SUBPOENA TO HEAR THE TAPE. Another rep said the agent on XXXX/XXXX/15 conversation made a mistake. I followed the solicitation and did what I was told. I want my XXXX airmiles as promised. We had a deal and the tape recording proves it. I want a copy of the recording and my miles and an apology from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with United Collection Bureau, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.

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 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call daily, multiple times a day. Despite the fact that I have been making regular monthly payments. They want me to pay the balance due, which I do not have the means to do. I have not disputed the debt, nor have I tried to not to pay. I am paying monthly. The representatives are rude and unpleasant for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

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 04/21/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (LA).
Issue: Account opening, closing, or management

Complaint: My paypal accoutn is locked and I would like it unlocked.

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 06/24/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Creditor is seeking payment from me for a debt that is not mine. After reviewing my credit report and researching the information, it has been proven that the Creditor is owed by someone with a similar name. This issue relates to an older vehicle that accumulated citations and a collection agency is attempting to collect the debt. I was able to retrieve the tag number and make and model of the vehicle. I have never owned that vehicle or the tags associated with it, and this information is documented in the XXXX XXXX. Therefore, I am requesting that this Creditor and this debt be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Other financial service (Check cashing) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: In XXXX a company I work for in the United States sent me a XXXX dollars payment by check by mistake ( because I always request bank transfers, not checks ) and sent it to the wrong address in my country, XXXX. This check was cashed by an unknown person. 

The company that sent the check always told me that I was the who had to make the claim to the bank, HSBC Bank USA, N.A., and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by. 

Last year ( XXXX ) I decided to contact HSBC bank once more and send new documentation and forms, unfortunately, this time XXXX XXXX Bank, XXXX. denied my claim to HSBC giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the US and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase keeps denying the use of my debit card and gives wierd reasons on how this is to secure my account. It 's been more than XXXX times in the past 2 wekss I had my money locked in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, I purchased my duplex condo through XXXX XXXX XXXX. At the purchase agreement signing I was told that the original HOA had been dissolved and that an agreement would exist between me and the adjoining condo to maintain the property. I did n't question this until XXXX when the adjoining condo went into foreclosure and I assumed the costs of maintaining the entire structure and property. In XXXX I knew I would be retiring soon and looked for a realtor to sell my property. I approached XXXX realtors over a year and none would agree to represent me as I was underwater and had no existing HOA agreement. I attempted to refinance to lower interest rate and did not qualify because I was {$60000.00}. underwater and there was no HOA agreement. XXXX more condos on my block foreclosed bringing comparables to a third of my purchase price. Green Tree Servicing took over my mortgage in XXXX. In XXXX I stopped making payments and found a realtor who would try a short-sale. I found a buyer but the property was foreclosed on before the paperwork at the bank was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 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 purchased a car using XXXX XXXX on XXXX/XXXX/XXXX and I had a wreck where my car was totaled and my GAP insurance paid this car off in 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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diverse Funding Associates LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested

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 06-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I  have a student loan through Navient.My last year of college, the financial officer at my college refused to call them and tell them I was still in college. She said it was my responsibility. No other student with a loan that I talked to had to call Navient, but I called them anyway. They said it was the responsibility of the financial officer to call them not me. I told the financial officer that, but she still refused to help me and was adamant that calling Navient was my job not hers. When I called Navient back, they said my account could   be put on deferral, which was fine by me. However, when I checked my credit score, the 40 some thousand that I owed for my school loan was on my credit score report. If it 's in deferment, how can can it be used against me like that? I just graduated on   XXXX   XXXX   of this year! I should not have to start paying back this loan for at least six months. That was my understanding when I took out the loan.    I ca n't find the document that says that my account was in default, but I am enclosing one that says my deferment was coming to an end that was sent on  XXXX   XXXX ,    2017. I di d n't graduate till  XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: here is a XXXX account that is showing on my credit along with he address of XXXX, ct XXXX, As well as a XXXX bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with EQUIFAX several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XXXX   XXXX   I (  XXXX   XXXX   ) a nd my wife  (   XXXX   XXXX   ) went  to a  Wells Fargo Branch  in  XXXX   XXXX  Texas off  XXXX   XXXX  to withdraw funds that showed available in my wife 's savings account. The money is from a insurance claim for damages to our home. We waited for the funds to become available before contacting the company to fix our roof. We were told that there was an error and that the funds could not be giving to us because the check was not properly endorsed. So I asked why did the check get process and the funds show available in the account if they knew it was an error? The lead of the teller whom would not give us her name when asked she blamed the ATM for the error but I kept asking whatever who ever the error why was the check process and funds made available if it was an error. The tell kept repeating the same issue. She then accused my wife and I of trying this at another  Wells Farg  XXXX  bank and was trying it again to try and withdraw the funds. I insure the tell that this was not the case. We needed to withdraw funds that show available in my wife 's savings account to pay the roofers. They told us to contact our insurance company ( who is thru  Wells Fargo ) and get a let ter for them authorizing release of funds. My wife and I understand the reason but want to know why the would process a check if they knew it was in error?

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I received a letter from the IRS stating that in XXXX 2015, XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX XXXX, a subsidiary of Fidelity National Information Services , INC.,  reported a retirement income to the IRS in the amount of {$12000.00}. The problem I am having is that the IRS is saying I owe them money now and I never heard of nor had an account with XXXX XXXX XXXX. The IRS is stating this is an IRA. As much as I would love one, I do not own any IRA accounts. The only thing I can think of is that they, in error, used my SSN ( XXXX ). Either way I have nothing from this company nor about this company and I am furious that I have to go through this. Is n't a company suppose to send a XXXX to the person who took a distribution? I want a copy of what was sent to the IRS. I need a corrected XXXX or income statement and I need a written statement stating this was an error. I have searched via the internet and found 2 phone number, left messages and no one has gotten back to me. I need this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I co-signed XXXX loans through XXXX XXXX ( now Navient ) for my son, who is still in college. All XXXX loans are in deferral I was told I needed to pay interest on XXXX loan, which I have done. Two weeks ago, after numerous calls from Navient, I was told I was four months behind in payments and that I was responsible for paying on XXXX of the loans. I have made arrangements to take care of this. When I asked about credit reporting I was told if it is a problem, to write a letter and explain that I had been told to pay on XXXX loan and they would see what they could do. I have found Navient to be an entity that gives a different answer in each conversation, not correct what they say they will the first time and harass with incessant phone calls during work hour until XXXX XXXX everyday, including Sundays.Now I am concerned about my credit score because of their inefficiency. They have also harassed my son in the same way. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: A merchant padded my credit card bill with services I never authorized or requested. I have disputed this numerous times with American Express, and they refuse to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I accepted an offer through a public website ( offer code # XXXX ) promising a cash bonus for depositing a certain amount of money in my existing savings account and keeping it on deposit until XX/XX/2016. After completing all offer requirements and being told by multiple customer service representatives that I would receive the bonus " soon, '' it now appears that Citi does not intend to honor the offer. Written documentation of the offer and compliance with its requirements is attached.

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