milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I am a  XXXX   years old  credit cardholder o f American Express ( " Amex '' ). Due to u nforeseen circumstances, I fell behind on my payment. On Tuesday,    XXXX   XXXX  2017    , Amex attempted to make  XXXX  unauthorized withdrawals (  a/k/a Force Post ) fr om my checking account in the amount of {$980.00} which caused me to incur a charge of {$7 0.00} (  see attachment ). I t hen called Amex to a sk if they had taken money out of my account. The representative informed m e that Amex did  and that I needed to make another payment of {$1300.00} by     XXXX   XXXX   2017    or   they would take another withdrawal from my account, but unbeknownst to me and  the Amex representative the transaction did not go through because I did not have t he funds. I in formed Amex once again not to go into my account and that I would call Amex when I was going to make a payment. I spoke with Amex r epresentativ e on two prior  occasions. First, on Sunday,  XXXX   XXXX   2017  to discuss my late payment and make payment arrangements. I was informed by the representative that  Amex could take money out of my account without my permission. I told the Amex repres entative not to go into my account and felt like the representatives was trying to confuse me and get me to say th at Amex could go into my account. I informed the representative that he did not   have my permission and that I did not have that type of money in my account. I had my daugh ter call Amex on  Monda y,   XXXX   XXXX     2017  and inform  Amex again  that they did not have the authorization from me to go into my bank account. I have always paid my  Amex bill through my checking account, but I did not realize it game Amex the authority to go into account at will. I feel as though Amex is tryin g to intimidate me into committing to something that I can not do by threatening and attempting to go into my bank account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a capital one credit card but I have paid and closed the account. It is showing in my credit report the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (IL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: Bank of America has charged a couple of fee charges to my account in the past month. 
1. A {$12.00} fee was charged as maintenance to my checkings account on XXXX/XXXX/17. I 've never seen such a charge on my account before. 

2. A {$35.00} overdraft fee charged to my checkings account a month ago. I 've linked my savings account to my checkings account for OD protection.Besides I have two other accounts including joint checking and business account with them with enough balance at all times. 

I would like them to remove both these fees from my account. My family and I have given them enough business and we notice the more accounts we open they more they charge us with such fees.

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 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I rented a minivan including XXXX insurance from XXXX XXXX XXXX Airport XX/XX/XXXX for 4 days ; the vehicle was flood-damaged during Hurricane XXXX while parked in a hotel parking lot where I was staying in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The local area was severely damaged and without communications, electricity/power, or water. All electronics in the car were inoperable and access could not be gained ( due to the car having only electronic locks and no key locks XXXX. With regional devastation from the hurricane, communications were not available and there was no means to contact XXXX or anyone else. After several days stranded at the hotel, I was able to get a ride to the airport for evacuation. On the way, we passed the XXXX rental car facility and noticed that it was badly damaged and appeared to have been abandoned. The first opportunity to contact XXXX was made upon my return XXXX XX/XX/XXXX through their contact page on their website. I also contacted Chase to notify them of the situation and requested closure of my account to avoid unauthorized charges. Chase informed me that even if the account was closed, the charges would still come through. 
No responses were received XXXX until XXXX separate charges were posted on my Chase Freedom Visa card XX/XX/XXXX totaling {$9700.00} plus XXXX XXXX transaction fees totaling {$290.00}. I contacted Chase multiple times to dispute the charges through several rounds of disputes, insisting that specific documentation was needed as to why the XXXX insurance was not being accepted and why I was not being provided an itemized list of the charges. I also filed an insurance claim with Chase that they also rejected claiming that it was voided by the XXXX insurance that I purchased which I informed Chase that XXXX informed me was required by XXXX law ( so there was no option for me to decline the XXXX insurance at the point of rental ). Chase is unresponsive to this information. XXXX has consistently been unresponsive and inaccessible through their various XXXX numbers and refusal to provide contact names, direct phone numbers and/or emails. 
Chase 's multiple investigations yielded a copy of my original rental agreement and what I believe is a fraudulent charge for damages, with the charge being entered into a blank Chase card imprint that XXXX also required me to leave with them at the time of the rental. I continued to insist that Chase provide specific documentation re. the insurance and charges but Chase has not been responsive and has since claimed that the charges are valid despite my protest.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Investors Financial Services Group, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

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 06-03-2017 about Debt collection (Other debt) with ERC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In  XXXX  of  XXXX  I applied for an apartment. I was informed a debt for  XXXX   XXXX   XXXX  appeared for an amount of  XXXX  $ through ERC debt collection. I have n't had any  XXXX   XXXX   XXXX  services for a good number of years so I assumed it was fraud since it showed it was placed on my credit  XXXX  of  XXXX . Upon talking to  XXXX   XXXX   XXXX , the debt is from  XXXX . It 's  7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have  XXXX  kids,  XXXX  of which is  XXXX  and we needed immediate housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We mediated with Select Portfolio Servicing , Inc. in XXXX XXXX to allow us an opportunity to sell the property through a short sale prior to foreclosing. On XXXX XXXX, XXXX we received an offer of {$50000.00} cash. SPS had a broker price opinion done and said the property was valued at {$64000.00}. We disagreed with this price and they suggested we go out and pay for a third party certified appraisal. We did and that appraisal came back at {$52000.00} on XXXX XXXX, XXXX. SPS then told us we needed to update the contract with the new price, get a new proof of funds and produce a new HUD statement. All of which we did. They denied the new offer stating it was still too low in mid XXXX. In XXXX, the Realtor got the same buyer to go up to {$57000.00}, {$5000.00} above an appraised value of {$52000.00}. SPS requested that we get an updated proof of funds and a new HUD statement, which we did. SPS sent out for another Broker price opinion. After we went through this appraisal process for the third time, SPS sent me a letter stating that two and a half weeks would not be enough time to consider this new offer. I contacted SPS multiple times asking them to postpone the sale for 30 days to give us time to complete the short sale and they have refused. I truly feel that SPS purposely strung us along making us think we had a chance at a short sale, making us jump through many hoops with no intention of allowing for a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After an inquiry by the financial mobile application, mint, about a bank account that I do not have knowledge of, I attempted to obtain my credit report. I tried both XXXX and XXXX, but was unable to access my report, because I could not confirm my identity. In this section, I was asked about loans and bank accounts that I do not have knowledge of. For example, I was asked, " In XXXX, you obtained a car loan from which of the following providers? '' To this question, and others like it, I replied, none of the above, assuming that they were trick questions. However, I was told that my identity could not be confirmed, because I answered these questions incorrectly. This confirmed my suspicions that my identity has likely be stolen, but I am incapable of providing proof to the FTC, because I can not access my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 10/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: NationStar is playing the victim instead of actually reviewed my account. They were then and even now. I received a letter from them in the mail on XXXX XXXX, 2015. The letter is dated XXXX XXXX, 2015. My question is, how long did it sit on someone 's desk before actually being placed in the mail to be sent to me. In my opinion, seems as though they know these type of issues are time sensitive, so they hold it as long as they can, so by the time it makes it to the customers it 's already to late. With that being said they said in the letter, that their goal is to provide a response no later than XXXX XXXX, 2015. In my opinion, they only sent this letter because they were contacted by you all at Consumer Financial Protection and Nationstar is just trying to make themselves look good. They know that they are a bunch of crooks, preying on the low-income family member. Not fair, not fair at all. I hope that someone could really review my case and take care of this. I was cheated and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure its network and now my financial information has been compromised. No aleet until weeks after an had to hear it from the news. Not sure why this company should even get my information and then tries to scam me with credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company contacted my mothers employer, my mothers personal phone and cell phone, contacted my girlfriend. When I asked what this was about they refused to tell me what debt they were collecting on, I never received notice by mail, and they were very belligerent and rude to me, threatening litigation without informing me personally of where the debt originated from. Now I have negative remarks on my credit report, I disputed them, and they denied my disputes, and disputed back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a debt that has been cleared up with XXXX XXXX. They actually owe me money due to an overpayment. I have asked 3 times for CCS Collections to stop calling me but they wo n't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with CITIBANK, N.A. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I lost my job and could not pay my credit card debt. I was going to file bankruptcy when my wife went out on XXXX. I did not think at my age I would find another decent paying job. I did get another job but this delay payments for 6 months when I called the credit card company they wo n't allow me to pay it. They keep having us call back and we 've done this for a week. We decided against bankruptcy since I 'm working again and have almost all our creditors paid off but this XXXX. We are not avoiding payment we want to pay them but they told us no and wo n't take a payment for what we owe and stated if we mailed them a check they would not cash it and would be sent back. Were so confused and frustrated we just want to pay off the debt and start building our credit again. We know that each day that goes by were impacted by late fee 's and interest and were frantic to pay it off ... please help us.

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 06-07-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Attention : Customer Service for PennyMac Loans Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because you have not applied my mortgage payment properly since XXXX XXXX. I made all payments timely ; however, my loan was reported adversely in XXXX XXXX. Second, my loan payment has increased over {$150.00} dollars without any explanation. As such, I am requesting a full accounting of my loan payment as I feel like Penny Mac is engaging in predatory practices while servicing my loan account. On XXXX XXXX, XXXX, I contacted your loan department and no account explain why my loan payment increased. A supervisor in XXXX lied to me and stated he would follow back up with me regarding my account. He never did and now I am being forced to make a payment I ca n't afford. Taxes and insurance are included in my loan payment and Penny Mac is not properly paying and/or accessing the proper taxes.I am requesting a full accounting of my loan account, all loan documentation to explain credit reporting and escrow payment increases. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within 30 business days. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation