milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XX/XX/2016, I bought an electric dryer from Sears. I needed a gas dryer so when they came to deliver it, they said I bought the wrong XXXX and it was returned to sears. I then bought a gas dryer. At the end of the month, I receive a bill for the gas dryer and electric dyer. I called sears and said I never received the electric dryer because I have the gas dryer and they said they would remove the charge. The next month, the electric dryer charge is still on my bill. I called again and they said they would refund the purchase. Basically every week since that month, I have been asking Sears to remove the charge from my account since I never received the product and they promise to fix it and do nothing. Meanwhile, I m being charged interest and late fees on a product that I have never received. This is the only charge on my sears card and I refuse to use my card until this is settled. I have even started recording my conversations with sears as I am planning to take this to court if it is not resolved by the end of the month. It has been XXXX moths since the date of purchase and they have yet to resolve their mistake.

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 03-09-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (MO).
Issue: Managing the loan or lease

Complaint: I paid off the Loan yesterday XXXX/XXXX/2016 and today I when I look at my bank account I find that they took the pay off payment twice. When I called them I was told that I set it up to pay if off twice. Which I did not do. I was told that it could take 10 to 14 days to get the overpayment back. When I asked about all the overdraft charges I was told that they would not refund them as I 'm the one that set the payment up twice. When I asked to speak with a manager I was put on hold and then hung up on. I have tried calling 3 time this morning and have gotten nothing but the run around.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Settlement process and costs

Complaint: OCWEN CAUSED OUR FORECLOSURE TODAY, BY FAILING TO PROCESS THE XXXX MODIFICATION WITH XXXX BANK IN XXXX NO. XXXX. WE DIS N'T GET ANY CLAIM FORMS FOR THE OCWEN NATIONAL SERVICING SETTLEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This complaint is against Portfolio Recovery Associates regarding an account. I paid an outstanding balance of {$890.00} on XXXX XXXX, XXXX at XXXX. I contacted XXXX XXXX 's court because I have a case there regarding this debt that was paid. XXXX XXXX, XXXX at XXXX and spoke with XXXX XXXX the courts building. She advised they have not received anything from XXXX XXXX showing that the balance has been paid. I have already gone to the court house with the copies of my receipts showing proof the balance has been paid. But that is not sufficient, they want documentation directly from Portfolio Recovery Associates stating the balance has been taken care of and that the case can be dismissed. I contacted Portfolio Recovery on XXXX XXXX, XXXX at XXXX at the number XXXX and I was told they were going to email a supervisor regarding this matter. Again I called Portfolio Recovery Associates at XXXX and requested to speak to a supervisor on XXXX XXXX at XXXX. The female representative would not transfer me to a supervisor that she was going to email her supervisor regarding this matter. XXXX XXXX, XXXX I called the courts and the court house advised that they do not have the documentation from Portfolio Recovery. On XXXX XXXX, XXXX, I emailed Portfolio Recovery to take care of this matter and have the court case dismissed at XXXX XXXX XXXX 's Court. Nothing got resolved and I did n't not get a response from XXXX XXXX. I called Portfolio Recovery XXXX XXXX, XXXX at XXXX, I spoke with XXXX XXXX and she had me transferred over to a supervisor. The supervisor advised that they were sending me a letter to my home address and on that letter I had to sign the paper work to have the case dismisssed. She said the letter had been mailed out on XXXX XXXX, XXXX, I still have not received the letter that I needed to sign. Today, XXXX XXXX, XXXX at XXXX I spoke with XXXX XXXX Portfolio Recovery and he told me he was going to email his supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased a house in XXXX of XX/XX/XXXX and used a reputable realtor and title company. We purchased the house free and clear. In XXXX of this year Chase put our home up for auction and listed it on the XXXX County website. Our mortgage is not with Chase. Our title company researched it and told us it had been removed from auction and that Chase admitted they made a mistake. Two months later we received a letter from an attorney offering help with our foreclosure. We immediately checked the XXXX county website and sure enough our house was listed to go up for auction, again by Chase who does not own the loan on the home. We purchased it from XXXX XXXX with XXXX. He bought it from XXXX XXXX who was deeded the home by XXXX XXXX. XXXX died in XX/XX/XXXX. Chase is trying to foreclose on a loan from XXXX XXXX and/or XXXX XXXX. Our title company ran a check on liens and it was free and clear for us to purchase. Chase needs to fix their mistake and stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went to a CHASE ATM to withdraw money from my XXXX XXXX acct. Where I receive my Soc. Sec. Benefits. When I got to the step where the CHASE ATM would dispense my money the Atm had a " TECHNICAL DIFFICULTIES " message. So I grabbed my card and called to double check my card balance, and even though I received no money, the XXXX $ that I tried to withdrawl was deducted from my checking acct. A XXXX # from CHASE popped up and I called it, the lady said just go into any CHASE branch and they could fix it and get my money to me. Well 2 Different CHASE branch said they could do nothing bout it cause I Ai n't a CHASE Member. My XXXX XXXX card company said they have to do an investigation, and I might get my XXXX $ in 45-90 days. I am XXXX and it 's my only sorce of income. This happened XXXX XXXX 2017, I went to the CHASE branches on XX/XX/XXXX & XX/XX/XXXX. Spoke to them on XX/XX/XXXX,XX/XX/XXXX And XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX student loan accounts with XXXX. I did not realize that payments started on them because the notifications were going to a former email address and I began to accumulate late payments. When I pulled my credit report and saw the payments, I contacted XXXX and spoke to them about removing the late payments. I updated my email account and my loans are currently in forbearance. I asked them how soon would my credit report update the current statuses of my loans and they told me that since it 's updated on my loan accounts immediately that my credit reports should update as well. I took no chances so I printed XXXX copies of all XXXX accounts along with a credit dispute form and a letter requesting an immediate update of my accounts and certified mailed them to XXXX, XXXX, and Equifax. Within 10 days XXXX app notified me that my accounts were updated on XXXX, and XXXX, but not Equifax. So I called the company and got connected to a very rude agent. He pulled my name and verified that all my documents were in their system. Again, Equifax has my proof that my XXXX student loans are no longer reflecting as late. The agent proceeded to tell me that they are waiting for XXXX to confirm that my accounts are no longer showing late balances. I called XXXX and they told me that they did their part and Equifax has the power RIGHT NOW to update my account. I feel like I am being victimized by this company because I did everything to rectify the situation and if XXXX and XXXX updated my credit reports with NO PROBLEMS, why ca n't Equifax do the same? I have the certified green card with the company stamp as proof that they received my updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Bank of America for over 3 years now trying to lower my monthly payments. I had a trial period but it was still to high. I am a single mother of XXXX small children and their father does n't always pay child support. I have been sending in document after document to bank of America and they said they are working on it. Then i just recently called them and they told me that the person who was working on my claim " Dropped the ball '' and did n't put the paper work in after it was received. and now i just found out that my house was put up for auction but i was never notified and i never recieved anything in the mail to tell 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 non-monetary relief
Consumer complaint received 04/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hello, Navient continues to call me as well as leave messages telling me they need to talk to my son, XXXX XXXX. They also say they need his contact information. They call repeatedly. I do n't have any updated contact information and I do not want to talk to them. I have co-signed loans with them and they are all current. I asked them to stop calling me, and they said they would put my number on the do not call list, but they keep calling. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was hospitalized and was told I was XXXX. XXXX called me everyday until I was able to pay it off a couple of months later. I do not recall, but I believe they threatened legal action. I told them they could have their money after I died.. They must have thought I was making it all up as they continued to call daily. This was in 2012 ( XXXX ). I can dig up my receipts if necessary but that does not tell how many times that they called me. I am sure their collections has an account of how often they called in their records. The subsequent collection agency they used was Convergent, XXXX Account # XXXX, Convergent Account # XXXX. I spoke to a supervisor about their calling everyday but she told me I had an uncollected debt and they were allowed to call. Although I did n't die, it put unnecessary pressure at a critical time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Payday loan debt) with National Principal Group, LLC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has called me since the beginning of XX/XX/XXXX, and continually states on the phone that they are not required to prove that my husband owes the debt. They say, " you have to prove that you don't owe it. '' I have continuously asked for proof of this debt and in writing. I do not know how they got my phone number. The alleged debt is through a payday loan company, taken out with a California address online through XXXX XXXX XXXX and XXXX XXXX and was " turned over to collections in XXXX. '' This is the information they provided me. It is impossible for my husband to have taken this loan out, since he has not lived in California since XXXX. There is also no record of this on my husband 's credit report for the loan ( s ) that they are claiming. There are " two '' companies that have called me about the same " debt '' and they call themselves XXXX and XXXX XXXX XXXX. They " both '' use the same information about the alleged debt that I described above. I suspect that they are the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been contacted repeatedly by several different debt collection agencies about a debt owed to XXXX XXXX XXXX, XXXX, Pa. by an XXXX XXXX. I do not know how his name got connected to my cell number as I have had the number for 7+ years. I told the debt collection firms in XXXX, Ohio ; XXXX, Pa and the accounting department at XXXX XXXX that this is not XXXX 's number, that the only XXXX XXXX I knew is one that I arrested, that he is not at this number and to quit calling. Calls stopped for a couple of months and then I got one today from XXXX. I called them back ( and even though I blocked my number it was displayed to them??? ) Medical Revenue Service I explained this to the woman and she said that they just got the " account ''. She said that she would remove my number but the others said that too!!! I was recently informed by a neighbor that XXXX XXXX is XXXX, that he XXXX after an XXXX or something in the XXXX County ( PA ) jail. I informed these people of that. Someone needs to get the message across to XXXX XXXX XXXX and their debt collectors to get their information correct before they start harassing people and to get a system in place to remove bad information from the system Apparently this latest company buys bad medical debt and tries to collect, in this case they wo n't because XXXX is 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 07/31/2015 about Debt collection (I do not know) with CONTRACT CALLERS INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with Afni. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I purchased a home through Cardinal Financial XXXX of this year. While shopping for a mortgage, I was very clear on my requirements. I was purchasing a " fixer upper '' and wanted to avoid long term PMI. I asked the XXXX Representative when I would be able to drop the PMI and he stated that could drop the PMI off the loan after the XXXX were finished and the house appraised for 20 % above the loan value which would be {$350000.00}. My wife and I put thousands of dollars in XXXX to our home and called XXXX to schedule an appraisal. I spoke to an account representative at XXXX and they told me they have to put in a " request '' and I 'd be notified by mail. XXXX weeks later I received a letter stating that the PMI can not be dropped off until : XXXX ) The unpaid balance was XXXX % or less of the original value of the loan my XXXX XXXX The unpaid balance is 75 % or less of the current value of my loan and at least XXXX years have lapsed XXXX XXXX My unpaid balance is XXXX % or less of the current value of my loan and at least 5 years have passed. In order to qualify from PMI cancellation, I have to pay {$31000.00} to bring my original value down to XXXX %. I 'm appalled that they are able to tell me what I want to hear in order to get me to use them for my mortgage, but when it comes time to drop the PMI they 're able to XXXX XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I paid off a Heloc " Home Equity Line Of Credit '' to Bank of America for {$240000.00}. I was never late during the seven years it was open. Within sixty days after the payoff I received a credit update that I was late on this account. I immediately disputed the item with proof to all XXXX bureaus and XXXX and XXXX Removed it immediately. XXXX is asking for something from Bank of America stating that I was never late. After hours of asking for that document with Bank of America letterhead, and multible transfers to different departments I contacted a loan officer at Bank of America who has been trying to help me, but getting absolutely nowhere. Please help me in this matter as Im trying to refi and my score is down due to their mistake.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: removing security freeze for fixed period of time. Equifax failing to provide PIN and/or means of obtaining PIN that are NOT SNAIL MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A collection agency is claiming to be a law firm with a unpaid lawsuit for an eviction that never happened. There is no lawsuit either. The property management company that I rented from that originally hired them did n't send the move out statement in the time allowed by law and therefore forfeited any claim against me and refunded my deposit. Kimble Trey al has no legal debt owing by me to be collecting yet they are reporting a XXXX. Debt to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Requested verification documents for Calvary, who claims to own the debt, and was only sent bills. I asked for a chain of title and was again only sent the bills. They will not send chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I opened XXXX credit cards with XXXX XXXX and XXXX XXXX connected with synchrony bank. I reported fraud on both credit cards and no credit and correction has been done on either card account. I want both cards accounts closed immediately. Someone hacked into both accounts and the bank allowed a address change which I did not authorize on the credit account. The customer service is rude and allowing this fraud to happen to me and not taking my honest word for the coruption to my accounts. I want both accounts closed and XXXX balance due to their negligence for resolving this fraud. They need to explain to me that i made any purchases since the cards were opened. If it is not resolved soon then I will continue to report misconduct on behalf of the bank for allowing this and having no security for custmers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.

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