milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2015 about Debt collection (Credit card) with Becker and Klein, LLC (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted by Becker and Klein stating i owe money on a XXXX XXXX cc. They stated it was from XX/XX/XXXX they threatened to take money straight from my paycheck. I got scared and was not sure if i really did owe and did not want any problems so i started paying. Although i kept feeling i might be getting scammed, they now changed there company name to XXXX XXXX XXXX. I actually paid the whole thing off the total was {$940.00}. My problem now is i asked for something in writing stating that i was paid in full. They said we can send an email and hard copy which would you like. I said both its been over a week and i still have not received my proof of payment. I am now worrying that this was just a scam and not sure what to do next. I have a copy of the original email stating the payment breakdown, and phone numbers i have used to contact them. I also have bank statements with proof of my payment! I will try to call again on Monday but i thought i should reach out just in case this really is a scam. I am a hard working single Mom and would to hate to think i just got scammed. Any help would be highly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 06/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (IA).
Issue: Problem with additional add-on products or services

Complaint: I recieved an installment loan from spot loan. I lost my job and not beem able the pay a lafy by yhe name of XXXX XXXX who said she was a CPA with XXXX calling om behalf of spot loam has beem calling friends and family members discussing my debt and telling my friends amd family memebers that they will suspend my registration for my vehicle are they allowed yo discuss my information?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I am working with Chase mortgage to short sale my home. I owe more than it is worth since the area it is located in had lost a lot of value. The home is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I had to relocate to XXXX for my job in 2012. We were unable to sell our home at that time as we would have lost too much money to be able to sell it, so we rented it out. It has been a burden to maintain and keep renting for us from so far away and we are attempting to short sale the home. Chase initially evaluated our application for a short sale and denied us but did not take into consideration all the expenses that we have going out on a monthly basis. I am self employed and as such I keep back money in my business account to pay taxes on my income yearly. when Chase looked at the business income and account, and then looked at the bills we have solely listed on our credit report, they felt that we had more than enough income to cover the sale of the home and the loss of money. The fact is that we do not. Since the initial evaluation, the money in my business account has now paid my taxes and expenses, and is significantly depleted. They did not take into consideration the expense of taking care of my family day to day. I have my wife and we have XXXX children. Even though I submitted all my expenses, I was told by a loan representative that they only looked at income, bank balances, and credit report. They did not take into consideration any other expenses. So I guess in their mind, as long as you can pay them and nothing else, then you should be able to afford it, never mind the day to day expenses of raising a family of XXXX. Now we are 4 months behind in our mortgages on that house as we do n't have a renter and we can not afford to pay on the house we live in here in XXXX and the house in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS   XXXX   XXXX   XXXX  . EXPERIAN CLAIMS TO HAD VERIFIED  THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS.

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 10/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Borrowed {$20000.00} in XXXX. Have paid {$14000.00} in interest. I now, XXXX years later, owe {$21000.00}. Navient has just driven my payment from XXXX a month to XXXX! Please help. This ca n't possibly be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls within a XXXX week period attempting to collect a debt I have been making payments on based on my available finances. 
PMAB called on the following dates and times:XX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXI advised XXXX when I called on XXXX/XXXX/2015 to cease and desist all communications as this was bordering on harassment and I was told they would not stop communications unless I submitted it in writing. I faxed them a cease and desist letter and then mailed it to them. I have a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Sent Certified letter to Experian onXX/XX/XXXX requesting that each negative creditor validate the debt with documents and signatures of the agreement. On XX/XX/XXXX Experian said they would delete if creditors fail to apply. On XX/XX/XXXX, Experian sent me an updated report with nothing deleted or change.I received on XX/XX/XXXX. I Called Experian onXX/XX/XXXX and spoke to supervisor XXXX to no avail, no help at all. I was explaining to him that my name is wrong and I have hard inquiries on my report that I did n't make.

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 06-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: Citibank has not provided new checking account promotional bonus as promised. 

I have been a Citibank customer for 19 years and have been very satisfied with all products, services and customer response levels. The current issue is with the Citibank response to the CITIGOLD CHECKING PROMOTION XXXX XXXX XXXX BONUS - earned but never received. Fees for this account are {$30.00} per month. 

In XXXX XXXX Citibank was offering a promotion for opening a new CITIGOLD checking account. On XXXX/XXXX/XXXX I requested a confirmation via Secure Message that I was eligible for PROMOTION - CODE # XXXX - XXXX MILES. ( Message Reference XXXX ). Citibank responded on XXXX/XXXX/XXXX and confirmed that I was eligible for XXXX XXXX XXXX promotion and provided the requirements for earning the XXXX XXXX XXXX miles promotion. ( Message Reference XXXX XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I opened the account and made an initial deposit. I then met all requirements completely as Citibank requested in their Secure Message Response of XXXX/XXXX/XXXX Ref. XXXX for earning the promotion. On XXXX/XXXX/XXXX I requested confirmation that I had met all requirements for earning the promotion XXXX XXXX miles and requested the timing of receiving the promotional miles. ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded, stating that I had met all requirements in XXXX XXXX and that XXXX miles would post to my XXXX account by XXXX/XXXX/XXXX ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX via SECURE CHAT, I requested an update since I had not received the promotional miles in my XXXX account. I was told an INVESTIGATION would be submitted ( Reference XXXX XXXX ). On XXXX/XXXX/XXXX via Secure Message I requested another status update ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded that my investigation was being reviewed and that a request would be submitted for it to be expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and stated that my next step would be to file CFPB complaint if Citibank did not resolve this issue. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that the INVESTIGATION was still pending and had been expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and requested that a manager from the executive department call me. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that INVESTIGATION was still in processing. The issue is not resolved. On XXXX/XXXX/XXXX I submitted this CFPB complaint.

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 08-01-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (NV).
Issue: Problem with the payoff process at the end of the loan

Complaint: I requesteded a title loan on X/XX/2017. This loan was for {$350000.00} the branch general manager advice me that if I ever had a problem paying to contact her for extensiones. First payment was due on X/XX/17 i call the store to get a extension for 3 days and the manager adivce me that i has to pay {$970.00} ( regular payment XXXX month ). On X/XX/17 I call the branch to get a pay off amount they adivce me that it was {$3600.00}. i did not uderstand why it was so much i had been told it was {$3200.00}, the explain of a daily fee of {$16.00}. That same day i recivded a call from corporate TITLEMAX number was XXXXthey call me twice at XXXX XXXX and XXXX XXXX. A person by the name XXXX XXXX told me that they would settle my account if i piad it off on X/XX/2017 before XXXX in store, she advice that it would be better if i paid with my debit card, i exaplin that my daily purcahse is not more then {$100.00} daily. She said that per her supervioser XXXX XXXX the settlement was approvde to make sure i took in a cashier check to the store for the amount of {$3200.00} i ask for time off work and went to the bank got cashiers check # XXXX for {$3200.00} to pay off my account # XXXX,XXXX XXXX i go in to the branch XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX. They told me that there is no settlement and that i had to pay a total of {$3600.00} that was {$360.00} more then what the settlment was. i call the number of corporate and talk to the XXXX XXXX XXXX at XXXX and they said that he does not know what happen but i had to pay the {$3600.00} amount per the corporate supervisore XXXX XXXX . I vvery desapointeded of the process they gave me no explanation of what happen and the keep telling me to give them cash, something that i did not do. DONT GO TO TITLE MAX please.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: EXEMPT PROPERTY ( AUTOMOBILE ) WAS INADVERTANTLY INCLUDED IN DISCHARGE OF CHAPTER XXXX BANKRUPTCY ON XXXX XXXX 2015. THE AUTO LOAN WAS PAID CURRENT UP UNTIL THE DATE OF FILING THE BANKRUPTCY FOR REASONS UNRELATED TO THE AUTO LOAN. UPON DISCOVERING THE AUTO LOAN WAS DISCHARGED IN ERROR, I CONTACTED ALLY FOR RESOLUTION AND WAS KINDLY REQUESTED TO SURRENDER THE VEHICLE AS PART OF THE BANKRUPTCY REQUIREMENTS. I SURRENDERED THE VEHICLE AS REQUESTED. RECENTLY I HAVE DISCOVERED A CONTINUED INACCURACY OF INFORMATION ON ALL THREE OF THE MAJOR CREDIT REPORTING AGENCIES FROM ALLY FINANCIAL WITH REGARD TO THE STATUS OF MY AUTO LOAN THAT WAS DISCHARGED WITH A VOLUNTARY SURRENDER OF THE COLLATERAL IN THE CASE THAT WAS CLOSED ON XXXX XXXX, 2015. THESE REPORTING ERRORS FROM ALLY FINANCIAL HAVE CAUSED SIGNIFICANT DAMAGE TO MY FINANCES, CREDIT AND ABILITY TO HAVE A FRESH START AFTER THE CHAPTER XXXX DISCHARGE RESULTING IN FURTHER DAMAGE TO MY LIFE ( I CURRENTLY AM WITHOUT A VEHICLE DUE TO INCORRECT REPORTING OF MY CREDIT STATUS WITH THE DISCHARGED AUTO LOAN -- BANKS WILL NOT FINANCE ONE VEHICLE FOR MY FAMILY BECAUSE THIS REPORT TECHNIQUE IS VIEWED AS A REPOSSESSION AFTER BANKRUPTCY DISCHARGE ).

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 04-11-2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: i have a loan from a payday co. i had requested my bank to stop ach payment each mo as i have that debt added to my debt releif program. my bank told me that to stop the deduction from my bank acct i pay a fee so that was done then i also cancelled my atm card as the co had my card number as well. they still debited my acct by submiting a check they generated. my acct is now closed. im a vet my primary income deposited into my acct was from va benifits. i also emailed this co and told them i did not authorize any more deductions but it still was done.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On and around the XXXX of XXXX, my wife was scammed in a fraudulent XXXX scam ring to the tune of {$8500.00}. We contacted USAA because she deposited a check from a company and the funds showed up available after 2 days. Since the money actually posted in the black and showed as a positive in the account she took out the funds to pay what was called processing fees in order to collect her " winnings '' the day after she pulled the money out in the form of money orders, the money was then showing as never having been there. So after calling and speaking with several reps from USAA, they simply told us that there was nothing they could do and it was our fault for having 11 years of " good banking behavior ''. Meaning when we deposited the check, they assumed it was good and made the funds available. But then days later, the check we deposited bounced and they just put our account in the negative without a call or any form of correspondance. They simply told me the money wasnt real because the check bounced. My question to them was, if the money wasn't real when it was in my " hands '' ( account ), then how is it now real when they ( USAA ) want to charge me that money? and the incidental kick to the junk {$5.00} processing fee they tacked onto the {$8500.00} that " wasn't real ''. Again, the money wasn't real to me, but was to USAA, they got real money from my account with subsequent fees, for money they themselves told me wasnt real ... I am ok with losing my money that was in the account which was only a bit over {$2000.00}, we got scammed, I get it, and I'd gladly eat that amount in shame. I am not however ok with being scammed by my banking institution to the tune of a total of {$13000.00}. When USAA took the the XXXX ( account was over 11,000 before the wife took out XXXX ), it put my account at a negative XXXX, and in turn I had to take a personal loan of XXXX, just to get back in the positive, for incidental bills and costs. This is unacceptable to say the least. Best case scenario, I get my money back or at least USAA loses that " Fake money '' that they made available taken from them. OR something happens to where this doesnt happen to anyone else. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a packet for modification on XX/XX/XXXX. I received the packet today. I completed the XXXX. On Monday XX/XX/XXXX I requested a copy of a demand/foreclosure letter Ocwen 's representative stated they mailed to the wrong address. I wanted this letter to request money out of my 401k to help with a payment plan. I was told on Monday it will be emailed to me. I have n't received it. I submitted RMA packet to Ocwen XX/XX/XXXX for a modification here is what I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion shows a paid tax lien on my credit report. I do not have ANY tax lens. I disputed the information with Transunion. Transunion said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Transunion but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.

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 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 8 to 10 collection accounts with inaccurate reported data. All medical accounts were there without my knowledge, assumed paid by insurance and or paid by me in full. Additionally, collection accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX are all accounts that were paid in full and no longer require payment due to fulfillment of the loans, lease agreements, and/or account balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY REPORT

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 06/20/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: Bank of America sent me a modification I refused to except. Bank of America, continually trying to get me to accept a modification with the terms and conditions of adding on 40 more years onto a mortgage loan that I only have 17.8 more years to go before the mortgage is paid off. Instead of lowering my mortgage interest rate. Bank of America, sent me a modification that would have increased my mortgage interest rate with a balloon payment at the end of the terms for the amount of {$20000.00}. at the end of the modification in XX/XX/XXXX. Bank of America, is not applying or accepting my mortgage payments I am making. Continually harassing me about a modification, I refuse to accept, that they are trying to make to sign. The modification would have added on more debt onto a town home that is already severely under water. The entire modification, also stated that the existing debt I have on my mortgage would still be by obligation and was included into the modification. Costing the consumer the borrower an amount of over {$190000.00} on a town-home that is not worth {$10000.00}. After I denied the modification, I continue to get telephone calls from Bank of America Regulatory Department. I have repeated to all employees that I will not sign any type or form of a modification under the terms and conditions Bank of America wants be to sign ( according to the investor ( XXXX XXXX ). Furthermore, Bank of America is continuing to hold my monthly mortgage payments, by not applying them correctly, I was denied paying my mortgage payment at the Bank of America Branch, located in XXXX, Illinois. I had to make a telephone call to Bank of America on XXXX XXXX, XXXX to make my XXXX XXXX mortgage payment. On XXXX XXXX, XXXX, I called to see if my mortgage payment was applied correct. Unfortunately, it was not. It was stated to me only the case manager who is handling the account can apply my XXXX XXXX mortgage payment. After being sent a letter by Bank of America Modification Department dated XXXX XXXX or XXXX XXXX, XXXX, the modification was denied stated by Bank of America, Home Loans. I would like to have all of my monthly mortgage payments applied correct and dated as the correct date when I officially made the mortgage payment, so that I will not have late fees or any other type of fees applied to my mortgage loan. In closing, Bank of America, has reviewed my credit report consistently from XXXX XXXX - XXXX or XXXX. My credit report has over 7-10 inquiries from Bank of America, as if I applied for a mortgage loan when I have not. This is not in compliance with FCRA and needs to be thoroughly investigated. Please follow-up immediately.

Company response to consumer: Closed with explanation