milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: AFNI calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

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 09-09-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: I emailed my Walmart credit card bank " sychrony bank '' requesting my due date be moved back from XXXX of month to XXXX of month. I get a reply that they could not do this and I would need to call them. I Did, could not connect and did not ring. My request to them was due to me being retired military my payday is XXXX of month however if XXXX is on Sat or a Fri holiday pay does n't post till XXXX so I set up my bill withdrawal dates for the XXXX. However this month the XXXX fell on a Sunday and of course the XXXX was a holiday so my bank did not post payment until the XXXX which is my due date for the credit card in question. For some reason banks take two to three days to do a electronic transaction? I 'm not sure why but assume it is " profit '' driven. Anyway, Sure as rain I get a {$35.00} late fee charged to my account because they did not receive my banks posting on the XXXX until the XXXX. It is amazing to me how fast the can do a late fee transaction but takes two to three days to send numbers back and forth? Can I be charged a late fee when my bank posts the payment same day as the due date? If they can not resolve issues via internet/online e accounts and their " XXXX '' phone number is n't working what are you suppose to do? I think the reason I am having difficulty with this bank is purely " GREED '' driven.

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 08/15/2017 about Mortgage (Conventional home mortgage) with Southwest Business Corporation (TX).
Issue: Trouble during payment process

Complaint: I am a senior and sold my home in XXXX ( XXXX XXXX  ) in XX/XX/XXXX The mortgage was held by SWBC Mortgage. I moved near my grandkids in XXXX XXXX. On about XX/XX/XXXX my son received at my home an escrow refund check for XXXX from SWBC. I was traveling and I asked my son to deposit it at XXXX XXXX XXXX in XXXX XXXX. He called and asked how he should endorse it and XXXX recommended to deposit it " For deposit only '' which he did because he didnt want to sign my name. At the end of XX/XX/XXXX I received a notice from XXXX that the escrow check from SWBC would not honor the check for " non endorsement ''. I called SWBC immediately and they transferred me from office to office. They said they would call me back on the cancelled funds. No return calls were EVER made. I then called two times per month beginning inXX/XX/XXXX, was told that twice that the funds would be " resent within 48 hours '' yet nothing was sent. They asked that XXXX send a certified letter from XXXX itself stating they didnt cash the check. XXXX did and still no replacement check. Finally after 5 calls the end oXX/XX/XXXXI received the check inXX/XX/XXXX I have had a credit score of at or near XXXX for over 15 years. In XX/XX/XXXX I had a notice that SWBC did n't receive my payment for my new home in XXXX XXXX, and had a statement owing for two months, which I paid, minus the XXXX late fee. I never got late fees from them for the 5 months they owed me XXXX and I also had been assessed bank fees from XXXX for XXXXSWBC told me they would ask for a waiver and get back to me. In XX/XX/XXXXI found that they reported my payment being 1 month overdue, and drastically affected my credit score to XXXX. I want this removed from all credit agencies. The XXXX owed was paid and I am still disputing that fee. SWBC held XXXX of my escrow money while I was trying to pay for my new home in XXXX also mortgaged by SWBC. On a fixed pension from the fire department this is alot of money for me to float to them. XXXX 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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: i went and see my credit report online on Credit Karma and I 've seen a lot of bank accounts that someone use my social number and open them. I just need all of them to remove from my life. I can list all of them for you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the accounts that i have never regonize. i really need them to dispute from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: Chase bank debited {$1300.00} from my account. Mother gifted money many times from her account in " quickpay '' mother passed away and disgruntled sibling says money not gifted. I feel the bank has not looked into this, if so they would see that this gifting of monies is something that has been done for more then 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: How can Equifax keep all items of credit history on the report for 10 years regardless of the other agencies taking the old debt off and following the 7 year rule?

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/2017 this has been going on for 3 months where Bank of america is over charging me for XXXX dollars, where i have made a purcahsed from target and XXXX XXXX XXXX and went to go do a refund but they decided to charge me for my refund which never made any sense please read my attached form which explains everything, i have lost so many hours and time with them on the phone, i even have to call them on my day off i mean who does that? someday i would be on the phone with them for over 4 hours or 6 hours this needs to stop!!

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 10-04-2017 about Debt collection (Auto debt) with VEROS CREDIT, LLC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection 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 03/20/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AZ).
Issue: Problems when you are unable to pay

Complaint: I am a XXXX patient unable to pay loan due to unemployment.

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 04/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Customer service / Customer relations

Complaint: I had a XXXX XXXX XXXX card. I had it configured to pay the full balance every month by automatically withdrawing payment from my checking account. 

XXXX discontinued the XXXX card. Without notifying me, they transferred my remaining balance to a new XXXX XXXX, which I did not want and did not activate. They did not transfer over the autopay settings. 

I received no written or electronic correspondence that my balance had been transferred, or that any payment was due, until I received a letter today ( XXXX XXXX ) notifying me of a past due payment ( which affects my credit score ) and a late fee of {$35.00}. 

This is a fraudulent late charge and should be removed immediately. I called customer support but was never able to connect with a human being to request that they take action.

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 09/17/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: Credit privilege are restricted on my existing account without any reason.

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 05/14/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: While on hold with XXXX XXXX reservations, I heard a Chase credit card offer for a card that would XXXX XXXX XXXX Mileage Plus points if {$3000.00} were purchased in the XXXX 3 months. The number to call : XXXX called that number, and was told no, the card provided XXXX miles if {$1000.00} were purchased in the XXXX 3 months ( still a good offer, I do admit ). When I asked about the discrepancy, I was eventually given a supervisor named " XXXX. '' XXXX told me to call a different number : XXXX. It turns out that number does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!

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 09/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: We have been COSTCO Executive Business members for over 10 years now. Recently, Costco switched their contract from XXXX XXXX credit card to CitiBank credit card. We chose not to activate the new CitiBank card ; paid off all outstanding balance accumulated on the XXXX XXXX card, closed XXXX XXXX account and shredded the CitiBank card mailed to us shortly before the transition. To our surprise, a month or so later we received a statement from CitiBank indicating that we have an outstanding balance with CitiBank. All my attempt to explain to the customer service that we do not have any relationship with CitiBank, never signed any agreements with the company, do not even have a CitiBank card in our possession, or know our CitiBank credit card account number failed. On XXXX XXXX, 2016, I spoke with a XXXX who explained that the balance was for COSTCO membership which was automatically transferred from XXXX XXXX to CitiBank. Since we do not have XXXX contractual relationship with CitiBank, I chose to pay our membership fees at the Costco warehouse directly. Yet, a month later we received another statement from CitiBank, now imposing an interest to the previous balance. I called customer service on XXXX XXXX, 2016, and spoke to a XXXX at ID # XXXX who assured me that the account would be closed within XXXX10 business days. Today, XXXX XXXX, 2016, I have received yet another statement from CitiBank. It still lists outstanding balance and interest. What gives this credit card company the right to harass me? I did not accept or solicit or seek their product, and refused on multiple occasions to use it. I acted in good faith and attempted to find out the origin of their repetitive billing. I spoke to various customer service representatives and have notes of those conversations. If there is no account, no credit card, no activity, and no agreement between us, what exactly am I being charged for?

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 03/26/2017 about Consumer Loan (Vehicle loan) with Lincoln Financial Services (CA).
Issue: Shopping for a loan or lease

Complaint: I got a truck for my cousin on my credit then they were going to transfer to his well the car got repo and they sold it without my consent and they never notify me and its on my credit as a bad debt. They chargeing me more then car was worth. They called my work and they were harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: American Service Co. has denied our Loan Modification due to " more than XXXX units ''. My single family home has detached units that are grandfathered in by the City XXXX and the loan was originated with this status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with Conn's, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am still very confused. Between multiple dispute letters, filing complaints, and a confirmation email with document stating removals of the XXXX XXXX account from my credit report. Transunion is still reporting it! XXXX and XXXX have removed. Why is Transunion torturing me like this. I know they 're upset I complained but they would too. Can you please help me consumer finance. Do I need to come in person to file more official documents? and bring my stuff? 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 06/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Fraud or scam

Complaint: I sent {$100.00} to a friend in NY on  XXXX / XXXX / 17 . It took a week without receiving the money. I tried callin g Western Union on s everal occasions but all to no avail. And now when I checked on the phone, they are telling the money has been paid to someone in Colorado, why Colorado when the money suppose to go to NY?   XXXX  This is definitely a scam fro m Western Union!!    XXXX  Lesson learned ... never use  western  union.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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: As of today  XXXX   XXXX ,  XXXX , TranUnion shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of  XXXX   XXXX ,  XXXX .     I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  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 08-03-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Contacted a family member and discussed private information. Further, upon questioning, provided a reason of " you must have called us from that number before ''. This is 1. A privacy violation and 2. Not a valid reason even if the latter statement is true.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.

Company response to consumer: Closed with explanation