milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: To   XXXX   XXXX   XXXX   XXXX   Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC   XXXX   Ref. :   XXXX   XXXX   XXXX   Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to   XXXX   XXXX   XXXX   (   XXXX   ) to disclose the following information regarding the loan account #   XXXX   : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
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On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX   said Consumer Financial Protection Bureau that it has conferred with   XXXX   and  XXXX  does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date.   XXXX   XXXX   XXXX   XXXX   has failed and refused to provide the above information since  XXXX .
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Sincerely,   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  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 02/25/2018 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX  XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: I was mailed a offer to relieve bonus miles as part of opening a new account. The miles we 're award however did not show up to my miles account with the particular airline. When I called to inquiry about this I was told it was due to having a incorrect airline miles account number. The correct number was given and I was told to expect the miles in XXXX hours. The miles never showed up so when I called I was told the miles would not be awarded due to having a previous account with the company. No where on the mailing solicit ion was this information provide in a easy to understand format. If I was not eligible for the account and/or bonus offer why was I solicited for the account. The company had all of my previous information and knew I would not be eligible. However this was not made clear to me when I first called about this issue. I was lead to believe I should expect the award miles to be available in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: It appears my bank has reordered the sequence of transactions so as to charge me {$100.00} in overdraft fees instead of {$34.00}. There were XXXX transaction of XXXX/XXXX/2015 : {$10.00}, {$100.00}, and {$1500.00}. The first XXXX were covered with funds of {$1300.00}, however Chase ordered the # XXXX check first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Managing the loan or lease

Complaint: I sent money by XXXX to ally auto financing in XXXX XXXX 2015 and they will not apply the XXXX payments totaling {$630.00}. I only have XXXX more payments to pay it off and they are threatening to take the vehicle. I have talked to them several times to try and resolve this, but they will not apply the money. 
What are my options?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: AboutXX/XX/XXXXlost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes.

1. XXXX  XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit.

XXXX XXXX XXXX  XX/XX/XXXXis not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX XXXX XXXX XXXX for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know

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 06-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had water damage to my home. My insurance company wrote a  two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds.   The loan is current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter requesting validation under the FDCPA of an unrecognized collection account regarding a XXXX bill I do not owe. IC Systems ( the collection agency reporting the account ) never responded to my validation request as required by law.

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 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We had decided to go to school to better myself for our family and fell into a terrible trap. My loans were originally through XXXX and then transferred to Navient. We have been trying to set up a payment plan in order to begin paying on our loans for a really long time now. Every time that we contact Navient they do not listen to what we have to say. We are constantly redirected away from paying for our loans. They tell us that there are forms in which we need to fill out to help serve us, yet nothing ever comes of it. We have been laughed at and told there is nothing they can do for us, unless we fill out more forms they seem to never receive??? We are just looking to pay an affordable payment, that does not take my entire income as we were promised when we began the endless school adventure. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.

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 08-08-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX

Company public response: Company 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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised in the hacking of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Money Recovery Nationwide  is collecting for  XXXX   XXXX   XXXX . in the amount of {$800.00}. I informed them I was disputing it because they were incorrect and I was unaware of this debt on my credit report. The response I received was threatening to garnish wages, said they sent it to their lawyers office already because i was n't able to settle it that day, then the next person I spoke with said they did n't send it to the lawyer. I was also inquiring about a settlement offer and she said sarcastically {$20.00} or so less than the full amount. They refused to give me a print out of what I 'm being billed for, and had contacted my employer which was highly embarrassing, considering my boss answered the phone. When I was speaking with the second individual I let her know that the first woman I spoke with was very unprofessional and spoke with a threatening manor. In the background you could hear the first individual laughing hysterically, and the second woman did n't apologize or even acknowledge it, and just asked what she can do for me. I was crying, and felt like there was nothing I could do. I 'm very scared they will take my money and I 'm currently fighting this debt. I just need help and I 'm unsure who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This number called me and when I returned the call, the male who answered the phone did n't state his name or the company he was calling about. The company actually left a message about them being a student loan forgiveness company and I called back to take my number off that list. Weird. He just said hello like it was his personal cell phone, then start asking for my social and birthdate, rightly so I would n't give it. I told him that 's not how you call about a debt. You have to give the statement about this is an attempt to collect a debt, he told me he does n't have to say that. I told him I was giving out my info over the phone and to send me verification of the debt. He told me, he does n't have to do that and hung up. I called back and then got XXXX, who finally told me this was Pheonix Financial and I informed her, you would writing up this report. She put me on hold for some other lady, who got upset with me for asking her to hold on for a minute, she told me she has other calls to take care of right now. Then after that hold for approximately 2 minutes and some seconds. I asked her to hold please, she had no minutes for me. Told me if was a business and I was holding her up, then hung up on me. I then called back a third time and told my name to XXXX, that I would recording the call myself this time. I gave my name and said I would like the verification of debt within 30 days in writing to the address they have on file. She told hold on, they like to put you on hold but not hold for a minute for you, transferred me to XXXX again, who said I would get the bill in writing finally and I wanted to her to state the company 's name, because through the whole phone call it was n't stated not even once. She then got angry and very upset and said before she hung up on me, she did n't give me permission to record the call. This was 19 minutes of my day. When called another company about another debt, the same day, it took me all of 5 minutes, no hang ups, no angry, and they did n't need me to tell them any info, they just verified it was me and they are sending something in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I started calling Chase Bank on XX/XX/XXXX, to retrieve a copy of my XX/XX/XXXX Mortgage Interest Statement. I have been given the run around and as of today nothing has been done. I have n't received any call back which I have called XXXX times now. Each time I call, I get someone new with total different information. I fax a letter to the XXXX XXXX XXXX on XX/XX/XXXX, regarding my compliant with his executive office and bad customer service I have experience with a month now. I was mailed the incorrect documentation after faxing a prior year of the same statement. I called on today and was told to call XXXX which I did and they could not help me at all. I was then referred to CFPB to file a complaint against Chase Bank. I advised Chase rep that I needed this statement for auditing purpose and its imperative that I have it. I was given an extension and it 's now running out and I still have yet to retrieve this document from Chase. My issue is trying to get a Mortgage Interest Statement for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (PA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: We moved to east coast and do not have a physical Union Bank branch available to us so we called UB @ XXXX on XX/XX/XXXX and told XXXX ( extension # XXXX given to us ) in XXXX TX that we wanted to close our checking acct ( # XXXX ). We called UB again on XX/XX/XXXX and spoke to XXXX ( id # XXXX given to us ) in XXXX TX. XXXX verified that we had {$55.00} in our acct and that we would be charged for a cashier 's check to be sent to us for the remaining amount in our acct. We did not want to pay for a cashier 's check but XXXX told us that we had already been charged for one. We then spoke with XXXX ( refused to give us an id # or extension # ) in TX ( refused to say what location in TX she was in ) and she told us a check was sent to us on XX/XX/XXXX. We felt she was lying to us b/c we first called UB on XX/XX/XXXX to close our acct! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB. XXXX verified that our acct was closed on XX/XX/XXXX and told us that it takes 7-10 days to receive a check for the remaining funds in our acct after it is closed. We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX TX that we had not received a check from UB and she told us that we had to go into a branch to close our acct. We told XXXX that we were on the east coast and there are no physical bank locations here for regular customers! We then called XXXX XXXX whom we originally opened our acct with @ the XXXX XXXX CA UB branch. XXXX told us that a check was sent out to us and we told her that we had not received one. After some going back and forth with XXXX, she asked for our phone number and told us that she would call us back but she never did! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB and all she did was continue to put us on hold while she tried to find out what was going on, never giving us an answer. We called XXXX @ the XXXX XXXX CA branch again today ( XX/XX/XXXX ) and told her that we had not received a check from UB. XXXX told us that she had spoken to customer service the first time we called her and they told her that we had called them after we spoke with her. We told XXXX that we did not do that. XXXX continued to accuse us and told us that she could not do anything for us. We asked her if we should just go to XXXX and she said that she was trying to help us. We told XXXX that we did not feel that she was trying to help us! We told XXXX that we wanted our check. When she raised her tone of voice, we hung up on her and decided to make this complaint. We are tired of being lied to and getting the run around from Union 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 monetary relief