milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Credit Solutions, LLC (KY) (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX has been chasing me up for an alleged debt they said I owed in the amount of {$37.00}. I used to be bundled with XXXX and XXXX XXXX together, but unbundled back in XXXX of XXXX. 
When I severed from XXXX they informed me that I was all caught up in my billing with them and then from there on I would only be paying XXXX XXXX. 
XXXX 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX To my surprise, XXXX XXXX later told me I still owed them some money. 
This could n't have been correct because my bill was paid in full. Even XXXX XXXX said I had paid my bill in full. 

I decided to contest the debt with XXXX, and based on legal advice I read on the internet returned to sender all subsequent invoices back to their financial department. I had written to them to cease and desist communications with me, but they kept sending me invoices that I kept returning to sender. 

Months have went by so I assumed they would leave me alone, and if the debt appeared on my credit report I was going to challenge it. 

However, on XXXX XXXX XXXX, a guy named XXXX contacted my father, XXXX XXXX XXXX, asking for my whereabouts. XXXX would not disclose who he was, or what company he was working for. He merely said he needed to speak to his son, " XXXX XXXX XXXX '' about an urgent matter. XXXX 's number is XXXX. He was posing under false pretenses contacting my parents to find my whereabouts whom I have not lived with in many years. 

I called this number and instead of XXXX, a guy named XXXX answered the phone. He asked me if this was XXXX XXXX. I said, " This is He, How can I help you? '' Than he tells me that he works for a debt collection agency called Credit Solutions, and he was hear to collect on behalf of XXXX in the amount of {$37.00}. I asked for a debt verification letter, and based on that I would consider paying it. He never sent the debt verification letter. Their address is XXXX XXXX XXXX XXXX KY XXXX. 
The account # : XXXX So I contacted XXXX that same Evening, and all I got was a complete runaround. XXXX 's financial division were not sorry for getting the debt collector involved, and when I had explained that it is against the Fair Debt Collection Practices Act to talk to third parties without disclosing their full identity to hunt me down, XXXX XXXX XXXX blew me off like the law does not apply to them. 

I contacted

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I took out a loan for US {$13000.00} from Sallie Mae to pay for my first year of XXXX tuition at XXXX and, after the semester started, requested a refund of the small cash difference. After much argument and delay, XXXX 's sent me a refund. However, there is still roughly US {$340.00} missing and unaccounted for, despite my formal XX/XX/2016 complaint [ attached to this CFPB complaint ] to XXXX ( who had no response ), the Department of Education ( who had no response ), and Sallie Mae ( who claimed it 's not their problem ). 

At this point, I consider the money missing/stolen, yet I am still paying interest and principal on these missing funds. Moreover, the " it 's not our problem '' approach from Sallie Mae -- my lender -- is as wildly unacceptable as the non-response of XXXX 's to inquiries from both myself and Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had Chase LOAN for my Home, They transfer my Loan to XXXX, CHASE ACCEPTED MY PAYMENTS UNTIL XXXX XXXX AND SENT XXXX BANK TO CHARGE ME SINCE XXXX + THEY ARE BEING CHARGING ME OTHER AMOUNT THAT IS NOT WHAT I WAS TOLD SINCE 2015 AND CHASE MAKE MY LOAN TO COME HIGHER INSTEAD OF LOWER SINCE I BEING MAKING MY PAYMENTS ON TIME. 
BEFORE CHASE TRANSFERRED MY LOAN, I WAS TOLD THAT THEY WERE GOING TO REVERSE THE CHARGES THEY MADE BY MISTAKE BY ADDING TO MY ESCROW EXTRA CHARGES AND LEAVE MY LOAN BALANCE THE RIGHT WAY AS THEY ORIGINALLY HAD IT SINCE XXXX/XXXX/2015 AS THE LETTER THAT I 'LL ATTACHED SENT IT BY THEM " CHASE '' ALL I NEED IS TO FIX THEIR MISTAKES ON THE ESCROW ACCOUNT AND SENT ME THE LAST XXXX PAYMENTS FOR XXXX AND XXXX THAT THEY RECEIVED IN ORDER TO MAKE THOSE PAYMENTS TO THE XXXX LOAN BECAUSE I HAVE NO MONEY FOR DOUBLE PAYMENT. THIS IS NOT FAIR FOR ME, LAST THING I NEED TO MENTION IS THAT CHASE REPRESENTATIVE TOLD ME OVER THE PHONE WAS THAT, WITH CHASE BANK INSTITUTION, I CA N'T DO ANYTHING AGAINST THEM BECAUSE THEY HAVE ALL THE LAWYERS TO SOLVE ANY PROBLEM AND HE ALSO MENTIONED ABOUT NEW BANK XXXX, HE SAID THAT WAS AN ADVISE, THAT XXXX WAS GOING TO TAKE MY HOME AWAY FROM ME IN LESS THAN 30 DAYS AND THEY WILL ALSO GOINT TO KNOCK MY DOOR WITH THE POLICE IN ORDER TO GET ME OUT. 
I 'M VERY SCARE BECAUSE I KNOW THEY ARE STRONG AND THIS IS MY ONLY CHANCE TO GET SOME FAIR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 Comenity Bank/XXXX credit card pulled my XXXX credit report without my consent. Contacted Comenity Bank via email almost a month ago and have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold Checking Account from Citi in XXXX 2016 with a promotion of XXXX XXXX miles if certain conditions are met. The conditions are {$1000.00} debit spend and ( XXXX ) Pay Bills. After meeting the conditions I still have not received my bonus miles. It has been 2 months now and I have been in contact with Citi several times to get the bonus miles posted. I have been informed they would post within " 24-48 hours '' each time, but the miles never got posted. I feel like I 'm being stringed along without a proper resolution. 

I have fulfilled my end of the promotion and Citi is not honoring their end.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX  Unverified, Inaccurate or Not Mine XXXX XXXX Bank Account XXXX Unverified, Inaccurate or Not Mine

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Credit card) with DISCOVER BANK (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Discover Bank, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( XXXX XXXX XXXX ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then Discover sued me, so I called to XXXX, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This Discover Bank and XXXX, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 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: Account status incorrect

Complaint: I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

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 03-02-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about XXXX worth of painting expenses ), and the remainder which is to reimburse myself for repairs that I have already paid for. The amount of money that should involve my mortgage company is under the amount that should even involve the loss draft department. This process is beyond obstructive and beyond the scope that they should have authority over. I am in need of repaying myself for repairs I paid for out of pocket and I have lawyers and professionals the need to be paid. If this check was portioned differently from the beginning I would have been able to have the check endorsed at my local bank branch. I 'm at a loss and I 'm concerned that I will not be able to have my money released from my bank.

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 11-10-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted by XXXX Debt Collection on a debt that is not mine. I do not have an account with them. I 've asked XXXX for them to quit calling, however they continue to call and actually since answering the phone, the number and frequency of calls has increased. They call at least XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage loan with  PNC Bank.  Recently, I had a slab leak and the insurance company sent me a check for the damage that need to be co-endorsed by  PNC before  I can deposit it to my account. The work was already done and I have to pay the construction company. However, I ca n't deposit the check from my insurance company because I ca n't get a hold of anyone over  at PNC. I 'v e waited in the phone for hours. I 've sent them messages through their online account system and no one has contact me back yet. There is no way to get in touch and speak to a live person whatsoever. Meanwhile, I have to write a check for the money that I do n't have to pay the construction company beca use PNC wo n 't contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Representative of " FMS Financial '' contacted me at approximately XXXX via my work phone and cell phone. Representative " XXXX XXXX '' ( I beleive was his name ) was extremely agressive and hostile, yelling and screaming and would not allow me to ask questions or otherwise speak. He was also " huffing and puffing '' in anger during the call. Before I could request that his company only contact me in writing, XXXX XXXX slammed the phone down threatening to sue. The number he called from was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (TX).
Issue: Making/receiving payments, sending money

Complaint: I have XXXX credit cards : XXXX XXXX, XXXX and U.S. Bank. In about XXXX 2016, I received an offer from XXXX to transfer balances from my other cards to XXXX for a 0 % interest rate until XXXX XXXX. There were XXXX checks attached. I wrote XXXX checks ; XXXX for XXXX and XXXX for US Bank. The check to XXXX went through without a problem. I forgot the transfer fees so the check to US Bank was returned because the XXXX amounts went over my credit limit. I called XXXX and it was re-submitted ( with a different amount ) to US Bank. I received a statement from XXXX showing the check was submitted to US Bank ( check XXXX. XXXX ). When I called US Bank, they claim they never received it. Now, XXXX is going to have to cancel that check and re-submit it ( electronically ). I 'm assessed a {$25.00} fee by US Bank every time there is a returned check. I keep being told by US Bank that they do n't show any check by XXXX and XXXX says it was cashed XXXX XXXX. I 'm trying to pay down my credit cards and I feel US Bank is deliberately keeping me from doing so. I do n't have a complaint about XXXX, who is trying to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, I called because my card was not working I was informed due to an previously overdrawn account and inactivity there was a hold placed on my debit card. But since my direct deposit was available and had satisfied the overdrawn amount the hold was taken off my card. My debit card worked all day XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card at an atm and the atm said the transaction was cancelled please contact your bank. I tried to call the Telephone banking Center, which was having technical issues causing an automate voice to tell you they were having issues and to call back later. It was a few minutes before closing at the physical bank. I went through the drive through since the lobby was closed I explained what was happening and that I had the available funds to make a w/d but needed a counter check. The gentleman smiled and said sorry we ca n't help you because the lobby is closed. I pushed back and requested if an exception can be made due to the circumstance and he said no. Nor did he attempt to see why my card was inactive or present any other option. I later called the telephone bank center after several attempts and almost a half an hour wait I spoke with a representative who was great. He was able to find out that my card was closed for on XX/XX/XXXX due to more than 30 days of inactivity. Which confused us both since I used my card the day before, XX/XX/XXXX. He kindly gave me a number to contact XXXX directly to see if they could get me funds since the issue with my card was an error.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Auto) with Northstar Location Services, LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.

Company response to consumer: Closed
Consumer complaint received 12-09-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (TN).
Issue: Managing the loan or lease

Complaint: I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.

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 05/16/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My credit shows a charge off for a XXXX mortgage back in XX/XX/XXXX which was service for XXXX XXXX XXXX by Greentree financial. Recently, Greentree sold out to Ditech. Ditech is now reporting me as late on a charged off from XX/XX/XXXX. I have a waiver and pay {$350.00} a month to an attorney. If I was hit for this being a charge off in XX/XX/XXXX and my credit reflects a closed account, how can I get Ditech to stop reporting this on my credit with today 's date, reflecting late payments? Credit wise, I was penalized for this in XX/XX/XXXX and years later, and am damaged with it reflecting as a charge off. I was separated from my husband who would not leave the home, and the home was in my name. I am accountabIe for the action. While in pre-foreclosure proceedings, we sold the house XXXX different times, but the servicing agency would not forward the sale info to XXXX XXXX XXXX and declined the proposed sale and settlement value. They then sold the house, and reported it as charged off on my credit. I will attach the credit report that is recently destroying my otherwise perfect credit now and for the last XXXX years while on my own, and the waiver that was worked outside this issue between Greentree and my attorney. Please help me to get this either reflected as charged off and done, or as an open account with a perfect payment history since the waiver agreement in XX/XX/XXXX. Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation