milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OH).
Issue: Managing the loan or lease

Complaint: I was contacted on XXXX XXXX, 2015 in regards to a past due payment. I notified the gentleman on the phone that I had scheduled a payment through their online system to come out XXXX XXXX. This gentleman said that he had no record of a scheduled payment, and that I needed to set up a check by phone. I agreed as long as the payment would not be taken out twice, as well as discussed a plan to bring the account current. On XXXX XXXX, both payments were taken out of my account, overdrawing my bank account to the tune of {$500.00}. I contacted Chase and the rep I spoke with sent me through XXXX tiers of management and promised me a call back about a refund that needed to be approved. I called today to find out what the status was, and was informed that, even though they took the second payment ( I only authorized ONE payment ) it would put the account past due and they would not issue a refund. I expressed my concern with this, as I still sit here {$500.00} overdrawn in my bank account, and was basically told, on the bright side, your account is current. No offer to rectify the issue that THEY took a second payment that I did not agree to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, we purchased 2 cell phones from a XXXX XXXX retailer, XXXX XXXX. The sales representative, XXXX XXXX, sold us a bundle package for 2 cell phones, 2 tablets, 2 virtual reality headsets, a XXXX XXXX device, a XXXX XXXX, and other cell phone accessories. During the purchasing process four additional lines were activated with a 2-year agreement on each. XX/XX/XXXX, we decided that we no longer wanted the XXXX XXXX device and we contacted XXXX to terminate the attached line of service ( XXXX ). XXXX informed us that we would be liable for a charge of {$100.00} for early termination, which we agreed to and paid XXXX XXXX for. On XX/XX/XXXX, we received a collection letter from Aldous & Associates regarding a collection attempt on behalf of XXXX XXXX for {$20.00}. I contacted XXXX XXXX to inquire if they had any outstanding charges on our account and we were informed that our account with XXXX XXXX was current with no outstanding charges. Afterward I contacted XXXX XXXX, the sales representative said that he could not consider the matter and that I would " have to physically come to the store and speak to the manager tomorrow between XXXX XXXX and XXXX XXXX. '' I then contacted Aldous to inquire what the outstanding charges for the collections were for and they told us that XXXX XXXX charged us a bill of {$20.00} for breach of contract for early termination on the XXXX device. We asked the collection agency why did the retailer not notify or send us any correspondence regarding the issue before this collection letter? They responded that " XXXX XXXX feels like this is more effective. '' Therefore, I was not afforded the opportunity to correct the alleged charges before my credit is at risk of being damaged. Additionally, I reviewed my signed Sales Agreement with XXXX XXXX and there are two sections regarding agreements to the policies. The first section states the Early Termination Policy in which we honored with XXXX XXXX. The second section is regarding policies with XXXX XXXX, which I was not asked ( and I did not ) sign. In the second section, it explicitly states that " I have obligations to XXXX XXXX that are separate from my obligations to XXXX. '' It continues with another early termination policy allowing XXXX XXXX to recover payment. Again, this second section is not agreed upon and I was not asked by a sales representative to sign it for the sale.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I work with two companies why is my credit score only going up on point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up 1 point, that leaves me very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Account Brokers Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My tenant was served papers at XXXX of my rental properties for a debt that the attorney office is attempting to collect. My tenant advised that the papers were merely left on the front door step and when they went to see who had come to the door they found an envelope that was not addressed to anyone, so they opened and found summons papers addressed to myself and wife. 

I am disputing this debt for the following reason ( s ). This debt does not belong to me. Additionally this was improper service. My home is XXXX miles away from the house that my tenant was served papers at.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Auto debt) with World Omni Financial Corp. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. 

I have received zero documentation from WorldOmni at my home which my address has not changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1. Have contacted my children and brother for the said credit card debt 2. Have been harassing me through non-stop several phone calls multiple times a day 3.Lie about the amount I am owing 4. Threatened me with law suit.
I have asked them for the details of the said debt. This said debt is over five years old. I even offered to pay $ XXXX/month until the debt is retired.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (ID).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: seterus keeps sending foreclosure statements although we are actually paid over on mortgage. money is in suspense account and they will not apply it to our account. even after XXXX phone calls and they said they would fix it. also reporting on our credit that we are behind XXXX payments. never was. only 2 months and that was caught up months ago. dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: CREDIT REPORT CONTAIN XXXX WRONG ADDREEES

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 09/23/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a debt on my credit score from cavalry port. I have no idea who this is for or where it is from. There is another one in my credit report from XXXX. Which is another one that I have not received any letters from them. I have recieved 2 calls from cavalry port saying they are going to take legal action against me. And I 'm assuming they do n't have anything to prove that the debt is actually mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We have our mortgage through Chase. We also have it paid by automatic deposit from our bank, XXXX XXXX. We received a late payment notice. When I called to ask what this was all about, they said that they paid our taxes because my county called them and said that we did n't pay our taxes. I had paid our taxes. When I called the county, they checked and confirmed that my check never made it to their office. BUT ... they also said that they NEVER call mortgage companies regarding a month or two late payment. They do n't consider it delinquent until 5 years have passed. So, unbeknownst to us, Chase lied to us and said that they were asked to pay our taxes which put us into escrow. We never received a letter from Chase or a phone call with information that we had been escrowed. When speaking with a representative she apologized for not informing us. So, the dollar amount being paid automatically was not enough to cover the mortgage plus the escrow, making us appear to have late payments. I, not even knowing what an escrow is at the time, had a million questions. This representative said that if we paid our escrow in full, it would get rid of it and basically back to normal again. We waited for our tax statement to come in the mail and when it did n't I called the county. They said it was still in escrow with Chase. We had no idea what was going on. For 6 years this has been going on! We have paid our escrow off 2 or 3 times and are still being escrowed. We just received an explanation on Friday that even though you pay off your escrow, you are still in escrow? I have talked to more representatives than I can count receiving different information each time. I have been given wrong numbers to call, out of service numbers to call, etc ... when we explained our dilemma with a representative explaining to him that this needs to be cleared up, he encouraged us to refinance and that Chase will understand our history and see us as delinquent. We did just that and received a letter that our credit was not good with Chase and that we can not refinance. We are desperate to have this resolved. I have contacted the Minnesota Attorney General 's Office as well as the Office of the Comptroller of the Currency. We are paying an astronomical interest rate and have been for 6 years. Thank you so much for your time. There are so many more details to this situation but not enough room to share it all. Chase has never cared whether or not we understand what is going on. My questions are never fully answered and I literally have not spoken with the same representative twice, which involves repeating my 6 year long story to each and every one of them only to be told how much we owe. No one is taking responsibility for the XXXX up, we just keep getting deeper and deeper in the hole. I really hope you can help us. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Basically, my father opened a credit card account with Chase Card Services, using my name and Social Security Number without my permission. After adding himself as an authorized user ( again, without my permission ) He proceeded to make charges on the card, max out the credit limit, and stop paying for it, which led to the account being reported as " charge-off/collection '' on my credit report. I had no knowledge of the account previously and had no idea he was doing such a thing. When I contacted Chase Card Services and explained the situation, even though I included evidence that clearly shows that he was the one maintaining the account, they refused to help unless I pursued criminal charges against my father. I requested that they merely transfer the account out of my name and put it in his name and on his credit report, and pursue collection efforts with him, but they have so far refused and will not delete the item off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing the loan or lease

Complaint: I just paid off a credit card from Bank of America on XXXX XXXX, it was due XXXX XXXX was surprised to receive an e-mail from them today telling me I owed them {$64.00} in interest. I am not upset, I just think that the credit card companies should emphasize on their statements that in order to payoff a credit card completely the consumer needs to call the company and get the calculated amount necessary to payoff the account. I do n't understand why the statement closing date and the payment due date are almost a month apart. It 's almost as if they want you on the hook forever.

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 03-07-2016 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS DEBT WAS PAID BY THE VIRGINIA INJURIES COMPENSATION FUND XXXX

Company response to consumer: Closed
Consumer complaint received 01/25/2018 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unexpected or other fees

Complaint: Load funds on American Serve card ... when the card suppose to come wth name ... all the previous loaded funds was depleted by fraud tranactions.American Express never refunded my funds

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with XOOM CORPORATION (VA).
Issue: Money was not available when promised

Complaint: Xoom advertise is send money to your relatives in less than 5 minutes. I have been using them for a while but recently they have been holding my money for days. My family had an emergency back home and I needed to send money. I went to their system and started the transfer, day 1 passed nothing, day 2 nothing. I called them and they said they were working on the transfer that it could take between 4 to 12 business day. I canceled the transaction. I got a cancellation notice, but they went ahead and withdraw the money from my bank account. I called them asking for the refund and was told it will take between 5 to 10 days before i get my money back. It 's US XXXX plus {$4.00} service fee. After the incident i went on line and start reading on the XXXX  communities and they are lots of complains.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with Phillips & Cohen Associates, Ltd. (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Payday loan) with National Management Recovery Corp. (NMRC) (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I kept my word and paid my account in full. I had to sell furniture out of my house, pawn my class ring, and borrow money from relatives over the months to pay this collections account. As it turns out, the representative who initially and constantly contacted me was making false threats. Regardless, I paid my debt. What I am most upset about, though, is the fact that I still have n't received my paid in full letter, and neither has XXXX XXXX XXXX. It suddenly seems as if the phones no longer work in the office which once incessantly called me. The day I paid the account in full, I was assured that I 'd get a letter stating such. The said letter has not been received. I called several times and left voicemails. This practice is shady and unprofessional, and I certainly hope it 's not indicative of how other clients are treated. What type of business is unwilling to state its name via phone? I called XXXX and was told that debt collectors on their behalf can not file legal action -- fraud charges ( but this is what " XXXX XXXX '' of XXXX XXXX told me in XX/XX/XXXX ). At this point, I almost feel as if I 've been defrauded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Checking or savings account (Checking account) with BANK OF THE WEST (WA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I had opened a PREMIER CHECKING account with Bank of the West under the " 2017 Summer Digital Checking Offer II ''  promotion. The promotion entailed a {$300.00} bonus credit upon keeping an average {$25000.00} balance in the account for 2 months. I had called the customer service line a couple times throughout the months to make sure I am still on track for receiving the bonus, and was assured that I am still on track. However, after 3 months of keeping the {$25000.00} balance, I still didn't receive anything, and was told that I somehow did not qualify for the bonus despite having kept the balance. Now, I have been hit with {$80.00} in fees as well, and the Sr.  Relationship Banker at my local branch is refusing to refund the fees or look further into the issue, stating that the account was opened online so there is nothing he 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 monetary relief