milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (TN).
Issue: Problems when you are unable to pay

Complaint: Fair Debt Collection Practices Act, 15 USC 1692 ( e ), violation. On XXXX XXXX, 2015 my spouse received a call from an unknown number. There was no message left. She then, received a text that said, " Hey girl, how are you? '' This content of this text leads my spouse to believe it 's from someone she has a personal relationship with ( a friend/acquaintance ). Since she was in a meeting she was unable to answer the phone but did respond to the text asking who the caller was. She receive no response and then sent another text asking the caller to call back and leave a message or to respond back with who it is. She received a response back asking her to just call when she was out. My spouse called the number after she got out of her meeting and it was a representative with First Heritage Credit of TN, LLC attempting to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Recently, Using the Chase XXXX XXXX card, I booked a flight with 19,370 points on XX/XX/XXXX for travel XX/XX/XXXX. The XXXX XXXX comes with a hefty {$450.00} annual fee but ( claims to ) offer some superb travel protection benefit. This flight was cancelled requiring an overnight stay kicking in the travel protection benefit. Now the issue is that it has been nearly impossible to claim this benefit. After submitting the proper forms to the claim agency, more forms were apparently needed to show proof that the points used to book the flight were from my Chase XXXX XXXX card. Getting this documentation from Chase was nearly impossible, requiring being on the phone more than 3 hours and transferred multiple times. The card advertises this amazing benefit and several others, but when it is this difficult to claim the benefit, it becomes far more of a hassle than it is worth. For them to charge {$450.00} for an annual fee and then not deliver on the benefits promised seems like they should be taken action against. And after the 3 hours on the phone, 5,000 points were offered in compensation but never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: validation of debt-Ask for cease and desist of phone calls. Have kept records of calls. Continue to call on daily basis. Have explained husband is on XXXX and I am on Soc. Sec. Only income. have XXXX XXXX. Unable to work. They will not send a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on XXXX seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman

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 03-10-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received confirmation from Equifax that the Historical account information would be deleted ( see attached documents ) The items were not deleted. Please permanently delete.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to Equifax, XXXX and XXXX XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing bought out our XXXX mortgage. Since then they have been out of compliance with our original mortgage with XXXX. We pay our mortgage on a bi-weekly basis. The extra half payment that occurs twice a year is not being applied to the principle balance they also are withholding escrow payments from these payment. These payment should be immediately applied to the principle and not left in their unapplied funds account, additionally, no escrow should be withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: I have been trying for over 3 years for a refinance of my mortgage. each time I check my credit I see it around XXXX on my version. I then apply for the loan and am told my scores are below the XXXX needed for a refinance. my problem is why do the banks see a different fico score than I do personally?

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 03/29/2017 about Mortgage (Home equity loan or line of credit) with POPULAR BANK (NY).
Issue: Loan modification,collection,foreclosure

Complaint: , Big problem here. Went bankrupt in XXXX, discharged, home not reaffirmed. My Uncle lived in it until his death in XXXX. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. 

Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I am at my wits end, I am on XXXX and I try to keep up property, taxes and insurance but it is hurting me badly and I have fallen behind on taxes. The Mortgage Company is holding me hostage. After the Bankruptcy attorney never followed up and caused this problem I have not spoken to him since, I was very upset. ( Especially when he tried to charge me for doing nothing ) My question is, what can I do? Do you know someone who could help? Do n't I have any rights? 
Please let me know what you think, I appreciate any help. Thank You

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 06-06-2017 about Debt collection (I do not know) with PlusFour, Inc (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Recorded voice demanding I contact them without stating what this is in regard to. If I do n't contact them immediately they will contact my HR dept. ( retired fo r 15 years ). They c all and their number displays from different area codes ( they are using ip based calling )

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Billing disputes

Complaint: I had a balance of {$700.00} on my AMERICAN EXPRESS credit card. I made a payment of {$200.00}. and somehow my balance was {$590.00}. I do not use the card so I was skeptic of my balance. I called AMERICAN EXPRESS and a customer care person explained my balance. I accepted his explanation. The problem I have is this : Two days later my balance was {$790.00}. I called AMERICAN EXPRESS several times and contacted them online. I was told they ( AMERICAN EXPRESS ) charged my AMERICAN EXPRESS card, ( called a adjustment ) for {$200.00} and were sending it back to my checking account.? I did not authorize a charge or adjustment to my card. I merely inquired about my balance at {$700.00} to {$590.00}? This is what happens with AMERICAN EXPRESS customer service, do n't ask no questions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received notice from  XXXX  ( collection agency ) that I owed on a medical debt, I sent a dispute and requested validation from that with my signature that the debt was mine. The collection agency sent back my patient statement  (  private information ) with diagnosis and codes, procedure and codes that they received from  XXXX   XXXX  hospital. I sent them a  XXXX  violation dispute and they sent back a letter stating that they verified my debt. The request was for validation, not verification. This is a violation of  XXXX  violation

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Can't stop charges to bank account

Complaint: XXXX XXXX XXXX Bank, Maryland ... 

CASHNET Payday loan keeps deducting more then XXXX payment from my bank account!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company I C SYSTEM INC has listed a debt on my XXXX  credit report in the amount of {$75.00}. I've repeatedly disputed that the debt is not mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.

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 01-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Starting in the first quarter of 2008, AMRICAN HOME MORTGAGE, HOMEWARD RESIDENTIAL and now OCWEN have conducted malpractices with me the borrower in the past including ( among other things ) : robosigning, charging improper fees, providing false or misleading reasons for denying loan modifications, failing to honor in-process loan modifications agreed to by prior servicers. As a research was conducted on my loan origination and process a number of these malpractices were found and have proof on my records. such as lack of having thje original note of my loan and not felling ashamed on that and at least giving me a fair modification that I can effort to pay. Instead I have had to request modifications a number of times through the past 7 years but have not received. At times they would offer modifications that made not sense in our finances situation such as offering a mortgage payment of XXXX while my income was not even XXXX monthly. 
My financial situation now is better then before. therefore again I went ahead and requested a modification and again this bank shamelessly is not even giving me a formal denial As matter of fact the bank representative says that the bank thinks that I requested to many modifications and did not accepted me, also they say that '' the Investor '' does not want to modify the loan .And question is which investor? because i have prove that this bank has sold my loan in the XXXX 7 times. if you need prove and i can send to you. That is why they do n't even have the original note. but no formal answer has been giving to me.. I need help. I need this bank to be held accountable on the dishonesty that they di in the past. When this bank was convicted my court on doing the same with other consumers they promised to act better with people and this has not happened at all with us. Please help us. Make this bank responsible for what they do being under lots of stress because of this matter and I need help regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX occasions, an individual named XXXX XXXX XXXX, withdrew over {$2900.00} from our USAA savings account, into his XXXX XXXX investment account. We contacted the FBI, Federal Trade Commission, and our local police department. They are helping with the situation. But, both USAA and XXXX XXXX has been uncooperative with investigating how an unauthorized funds can be wired from our account. We have the name, and the last four digits of his account with XXXX XXXX, XXXX. We informed the XXXX XXXX personnel, XXXX XXXX, of this information and the was extremely unprofessional, and rude. When we told her of the information from our account on the individual, she said they could not find the individual due to the size of the bank. As a Retired XXXX XXXX XXXX XXXX XXXX, Media outlets would contact me requesting information on a soldier with limited information. The XXXX being much larger than XXXX XXXX, never caused me problems locating the individual, whether they were in the United States or in the theater of operation. I know that with a full name and the last four of an account number, a database can initiate a query and locate this person. XXXX XXXX would not attempt to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with TekCollect Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, I had XXXX work completed at XXXX XXXX. I agreed to a payment plan before my procedure and paid all money owed. In XXXX XXXX, I received a bill with no explanation of services telling me I owed money. I contacted the company asking why. I was informed they miscalculated the money I owed for the procedure and I needed to pay it back. They also charged my account for medical procedure my husband had done. I asked them to remove my husbands debt as I am not liable. My XXXX XXXX XXXX and I needed a new procedure to fix this mistake on their part. This was XXXX XXXX. I was told this procedure was free due to it being an error on the XXXX part. I was told I was not liable for any money owed. They still charged me regardless, and informed me I had to pay my husbands debt. I am not liable for this money owed since I have no explanation of services, and the 2 nd procedure was not my liability. Im also not liable for medical bills for someone else. I have not been contacted by any debt collectors or received bills to my house ; however, a collections is now on my credit report. I would like fornthis to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: i had to open AmEx Delta Gold card with AmEx on emergency to obtain a ticket on Delta airline.after i opened card i did not receive a number so i was forced to use other meaning to buy a ticket.After i got to NY next day i called to AmEx on XXXX XXXX to cancel card without even without getting a number yet but was told i have to wait until card arrive, s in mail.I left NY next day and came back XX/XX/2016Called to AmEx to cancel card, which came in a mail, even before it was activated.Card number is:XXXX. Expiration XX/XX/XXXX.Spoke to XXXX XXXX who said there is a new promotion and it would made me re-consider cancellation.She transfer me to promotion department and XXXX XXXX, after consulting her superiors told me if i keep this card and spend {$2000.00} within 3 month i would get XXXX Delta Airline points and {$50.00} more if buy any Delta products.I spent {$2000.00} and instead of XXXX XXXX Delta points i was promised received only XXXX..Contacted AmEx XXXX/XXXX/16 and asked why, was told by XXXX investigation open since XXXX/XXXX/16 about it.I did not understand what to investigate, but let it go.Contacted AmEx again to clear it XXXX/XXXX/16 and was told same thing investigation is going on, but when i asked what they investigate my " Chat '' session was terminated. Why AmEx, who seems to be respectable enough, does not feel obligated to keep their own promises.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Rewards

Complaint: As a Chase XXXX XXXX XXXX Visa card holder, I was solicited by Chase around the XXXX to invite my friend/family to apply the same credit card. I was promised for each approved Visa card, I 'd get XXXX XXXX XXXX miles. I gave my fiance 's name and her email to Chase. And soon after, she started to get a few emails from Chase ( She had never done any business with Chase before. ). She used one application form from Chase with my XXXX mileage number ( XXXX ) on it to apply and got approved for her Visa card. But the XXXX miles as my reward have never come. I started to call Chase in early XXXX and spent countless hours with different service representatives. But Chase refuses to keep its original promise of XXXX XXXX miles and also refuses to send me copies of the referral form I submitted and the Visa application form submitted by my fiance. This shows how arrogant and dishonest a big bank like Chase treats little customers nowadays. 

My Chase Visa card that Chase solicited for its business : XXXX My fiance 's Chase Visa card as a result of my invitation : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: When I opened up my account, I requested not to have overdraft protection, as I understand that Wells Fargo pays for it and I would be charged overdraft fees.Wells Fargo did not comply with my request. Consequently, I have been charged {$35.00} in overdraft fees for a transaction {$100.00} paid to the XXXX Superior Courts & an additional overdraft fee of {$35.00} for the processing fee XXXX Superior Court charged me of {$2.00}. I believe the overdraft fee should not exceed the actual transaction amount. It is unfair that I am trying to pay a traffic ticket and the bank charged me {$70.00} extra for the way my transactions posted to my account even though I had money on the day of the transaction. In addition to this transaction, I was charged another {$35.00} for a debit transaction made to XXXX XXXX of {$3.00}. The day I swiped my debit card I had money in the account. I know this because I checked right before arriving at XXXX XXXX. How is it that I was charged the {$35.00} two days later for a debit transaction I had funds for when I made the transaction. I understand Wells Fargo system generates the fees, but a human being created the system to work this way. It is unfair that Wells Fargo selects who they want to waive the overdraft fees for. It should be illegal to charge some customers overdraft fees and not others for the same cause. Wells Fargo continues to make a profit on overdraft fees while their customers struggle to bring the account back to positive.

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 03/21/2016 about Debt collection (Auto) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation