milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Coastal Financial Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I entered into a lease with my ex husband at the XXXX and we are both equally responsible for paying the amount that is owed. the XXXX are well aware of the tenant i lived with abandoned the residence therefore leaving me with the full debt.I would like to resolve the issue by paying half the amount that is owed to the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: FULL PRICE SHORT SALE XXXX - Seller XXXX - Buyer Complaint against OCWEN Bank Account number XXXX This has been going on since XXXX! 

Ocwen Bank has abused the Seller, XXXX, the Buyer, XXXX & XXXX, XXXX, Realtor and XXXX. Ocwen bank receive a full price cash offer and all requested documents 4 times. Ocwen bank keeps asking for the same documents over and over again. We have receipt that they have received the documents.

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I bought a car in XX/XX/XXXX. Due to my credit being poor, the only company that would finance me was XXXX XXXX. This experience has been nothing short of a nightmare. Since I bought the car, my life has been a wild roller coaster. I got laid off from my job, was unemployed for several months, got a new job, then was laid off from it 3 months later, on top of being unemployed I also lost everything except the car in Hurricane Harvey. I ended up landing a new job just after the hurricane and am slowly getting life back to normal, however, prestige does n't care about any of it. They are only about their bottom line and have zero compassion for those going through hardships. The day after payment is due, they start harassing me with calls, emails and texts. Last Friday, XX/XX/XXXX I received 3 emails from 2 different people. Today I received a rude email from XXXX XXXX stating that I am {$1300.00} behind on my loan, however my account on their website shows I am only {$450.00} behind. One of the emails he sent on XX/XX/XXXX stated that I am {$750.00} behind. Apparently they have no idea what I actually owe and their data does not match the data on their own website. I am growing extremely frustrated with this company and their rude, harassing collection tactics. I have asked XXXX as well as well as several other of Prestige 's employees to stop harassing me about the balance. I am aware I am behind and am doing everything I can to get caught up. Yet they continually call, text and email daily. Someone needs to step in and do something about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. 
I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: ON OR BEFORE XXXX XXXX I RECIEVED A COLLECTION CALL FROM BANK OF AMERICA REGUARDING MY MORTGAGE PAYMENT THE LADY I SPOKE WITH TOLD ME I HAD XXXX IN MY ESCROW ACCOUNT AND IF I PAID XXXX THAT WOULD MAKE 1 MORTGAGE PAYMENT SO I GAVE HER MY ACCOUNT INFORMATION SO XXXX COULD BE DEBITED FROM MY ACCOUNT ON XXXX XXXX AND SHE GAVE ME A CONFIRMATION XXXX AND ON XXXX XXXX THEY DEBITED XXXX OUT OF MY ACCOUNT ON XXXX XXXX CALLED THEM BUT THEY COULD NOT GIVE ANY EXPLAINATION AS TO WHY THEY KNEW I WHAT THE AGREEMENT WAS WITH THE CONFIRMATION NUMBER THEY GAVE ME AND KEPT PUTTING ME ON HOLD AND EACH TIME THEY WOULD TRANSFER ME TO DIFFRENT LIKE NO ONE KNEW WHAT TO SAY ABOUT IT AND THE PEOPLE I SPOKE WITH KEPT SAYING THEY WOULD PUT IN A REQUEST FOR A REFUND AND ON WENSDAY XXXX XXXX XXXX I CALLED BACK TO CHECK ON MY REFUND THEY TOLD ME SINCE I WAS BEHIND ON MY MORTGAGE THEY WOULD JUST KEEP IT AND APPLY IT TO MY MORTGAGE HOW CAN YOU JUST TAKE MONEY FROM SOMEONES ACCOUNT ILLEGALLY AND NOT RETURN IT IF I DID SOMETHING LIKE THAT I WOULD BE ARRESTED FOR THEFT AND WHATS WORSE THEY DIDNT WANT TO ADMIT THEY STOLE MONEY THAT WASNT RIGHTFULLY THEIRS TO BEGIN WITH SOMETHING NEEDS TO BE DONE ABOUT THIS

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 01-12-2017 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Rewards

Complaint: I got an advertisement from Chase about opening a XXXX brand credit card. The offer was to get bonus miles if you spend a certain amount on the card. So I applied and spent the minimum, but now they 're refusing to honor the agreement. They claim I was under a different offer with a higher minimum. Never was this disclosed! they did a fraudulent bait and switch to induce me to sign up for this card under false pretenses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank purposely posted largest amount first, then smaller to get  3 nsf fees instead of one. E ven though the smaller items were posted first.

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 10/31/2017 about Debt collection (I do not know) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I explained to the person who answered that I have no nor have I ever had any business with XXXX XXXX XXXX. After that the calls increased in frequency, several per day at this point.

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 08-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made after this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: The Equifax data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to Equifax 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with  any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX  right?

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: A while back we were forced to open another checking account in order to obtain a savings. I never wanted XXXX checking accounts but was told that was how pnc bank had to do this to open the other savings. In total I had XXXX accounts, our regular checking. The account I did n't want and XXXX savings. We never tried to use the other checking but some how it got mixed in to our pay pal account which charged XXXX transactions to it. PNC never notified us of the over draft instead they kept charging the account penalties until reaching {$290.00} then they took that XXXX out of our checking with out notifying us and closed that account. I called talked to a very rude person in their REG team who said all these penalties are valid and it was n't their fault they did n't notify us cause we could of checked the account balance online or called them. After yelling he agreed to a XXXX refund but I still feel cheated out of my money that they stole from a veteran trying to feed his family of XXXX. The end I do accept some responsibility but notification from PNC should of been sent, not just XXXX the account with penalties and then take money out of the other account. Money that we had already used to pay a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I had a had care visa card with bank of america. There was an expense for {$940.00} on XXXX/XXXX/XXXX for a dental charge. I mailed in a copy of the receipt to Bank of America. On XXXX/XXXX/XXXX, I received a letter from Bank of America claiming that they never received my letter which was due on XXXX/XXXX/XXXX and that they are now going to report the amount on a XXXX XXXX form. I indicated that I was not aware that they had not received it and would provide another copy and they indicated that since the deadline had passed there is nothing they can do.

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 06/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I ( we ) had a mortgage through Bank of America. We filed bankruptcy ( chapter XXXX ) and completed the payment plan. The mortgage was not dischargable as it was a long term debt. I have filed several disputes with the credit reporting agencies, but after " investigating '' the dispute, BOA still lists the debt as discharged.

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 07-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The bankruptcy was completed and discharged on XXXX XXXX, XXXX. Equifax put the company, that was included in the bankruptcy as an open account, 1 month late with a balance of usage of 97 %. I complaint to them on XXXX XXXX, XXXX, explaining that the company was included in the bankruptcy and discharged. They ask me to fax documents proving this, which I did on XXXX XXXX, XXXX. 
I fax them my original bankruptcy paper dated XXXX XXXX, XXXX, a copy of all the creditors, which included the company I was complaining about and my bankruptcy completed and discharged papers dated XXXX XXXX, XXXX. They send me credit file : XXXX XXXX, XXXX, confirmation # XXXX. They just put included in bankruptcy, but left status balance amount of {$9200.00} and past due {$9200.00}. I claim again and spoke to Rep., XXXX on XXXX/XXXX/XXXX @ XXXX and complained about the balances, she transferred me to Supervisor, XXXX , she said she would file another complaint to the company, because she said the company has the right to report it and the would have to remove it, they could not. She said it would take an additional 30 days. I then contact the company ( US Post Office XXXX ), I spoke to XXXX XXXX on XXXX/XXXX/XXXX @ XXXX, I fax her the bankruptcy documents andshe changed the information 10 business days later. Equifax then updated the information, with what she put in the file, but they kept it as an open account, even throughit is not. So my credit score when up, with the corrected information. On XXXX XXXX, XXXX, Equifax reinserted the information and said the company did it. I have not had any problem with any credit reporting agency, but Equifax. All the other credit reporting agencies, when I send them my bankruptcy documents, did not allow any companies included in the bankruptcy to report anything, but that they was included in the bankruptcy and no balances, including the US Post Office XXXX. By them constantly putting this information on my credit report, it is constantly lowering my credit score. I do not know what else to do, but to have a third party, as your company, to get involve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention 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 09/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: Problem 1- I have been an checking account holder in Bank of America XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Bank of America, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with bank of America 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, bank of America has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.

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 03/14/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I had an account with USAA about 6 years ago, there was a deposit made by the XXXX XX/XX/2018 to that closed account. I called to recieve funds from the closed account, and USAA decided to mail the check to an address i no longer reside. When i asked USAA to stop payment on the check they told me i have to wait 90 days from today XX/XX/2018 in order for them to stop payment, then they would send the new check to my current address. I asked to speak to a representative, and i was told i wouldnt hear anything back until a couple days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is the XXXX complaint I have filed on this matter, since nothing at all, was addressed with the XXXX complaint. CITI Financial is incorrectly stating that a borrower is past due. The account was brought current in XXXX 2016 with funds of {$1200.00}, and CITI acknowledged that this brought the account current and due for XXXX 2016 in their response to my previous complaint. The client has made every single payment since that date, with confirmation numbers and bank statements to prove it. Yet, the borrowers are receiving SEVERAL mailed documents stating that they are delinquent for {$930.00}! When the borrower or I try to call to discuss this, the representative will not discuss it, and will only send a complicated payment history ledger that is very hard to navigate through. This makes absolutely no sense whatsoever! They also state that the borrowers are delinquent {$170.00} for remaining past due insurance balance, yet the borrowers just received a check dated XXXX/XXXX/2016 for a refund of insurance. I am baffled at the poor customer service and incorrect servicing practices within CITI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Re : Equifax Data Breach On XXXX XXXX I called Equifax about their Data Breach. They told be to go to the site www.equifaxsecurity2017.com to find out if my information was compromised. It was. I tried calling back Equifax today, XXXX XXXX and can not get through to them, since the information showed my credit information was compromised. I need help to find out what to do to make sure my information is not being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I started a XXXX campaign for a friend that was in need and enough funds were raised to help him via this site and WePay. After the funds were delivered there were several charge backs from credit cards ; I believe that once sufficient funds plus extra were raised some decided to cancel their donations. The WePay site said that I owed them money and they were going to collect by auto withdrawing from my account. This morning I was negative in my account. My bank, Chase, allowed this to happen without my permission. I called them and complained severely. Saying that only I, and the Govt. are allowed access to my funds. I need help with this, and/or report them.

Company response to consumer: Closed with monetary relief