milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up to the dispute against ref # XXXX under which Chase responds to a complete different loan than the one in question. 
My inquiry on loan # XXXX is under XXXX XXXX XXXX XXXX XXXX XXXX - in which I am one of the shareholders. Since the loan documents indicates that all outstanding mortgages were pledged as collateral to loan for $ XXXX issued in 1996 by XXXX XXXX XXXX Co who was later acquired by your institution, and being that I am a direct party involved in a collateral I was not informed about, I need your confirmation as to whether my mortgage was one of the loans pledged against the above loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Deposits and withdrawals

Complaint: XXXX the XXXX i had some Account fraud XXXX withdrawals of XXXX. Called Capital one they said they can help me out and most of the fraud was turned over. I would however need to get new account numbers and my account has been locked to prevent any additional fraud. I was ok with this and made sense. However it is now XXXX and I do not have access to my account I called Capital one to get a status. They said after verifying my identity over the phone that after an internal investigation my account has been locked and i can not open any more accounts with Capital One. I had to call capital one to get a status and they have not given me any way to get my money back or any way to prove i am who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Debt collection (Credit card debt) with AllianceOne Recievables Management (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Monday XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from Alliance One at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My concern is something I do not believe this agency addresses but needs to. I have no late payments. None! I pay my credit cards off XXXX, for years. I earn in excess of $ XXXX per year. My house is almost paid for and I have another home that has no mortgage that my parents live in. I present no credit risk what so ever. My debt to income ratio should be extremely low. Yet, XXXX credit agency, Transunion, has my score at XXXX. Why? The other XXXX agencies have me as high at XXXX and I think those scores are low. As a consumer, I have no way of understanding their computation and getting an answer from those people is not possible. In no way are these agencies focused on consumer protection. That is why the cfpb exist in part. It seems to me the credit rating agencies assess risk as related to credit payment history, income, ( it should reflect total net worth ) and other factors. If I am ( including all liquid assets ) in fact debt free, why are my scores so low? This cost me money. Is this all some sort of scam? A way for lenders to charge higher interest rates to consumers that are worthy of premium rates? Is there collusion between lenders and XXXX or more credit reporting agencies? Maybe the government turns a blind eye to this? I am by no means a conspiracy theorist but the amount of money that could be generated by falsifying or intentionally degrading peoples credit scores, must be massive. I will start a lobbying effort surrounding this and demand congressional hearings to get to the bottom of this. I assure you this letter/electronic communication will be part of the record, including you, the person reading it. I hope you have the integrity to work this issue to completion including escalating this issue as is appropriate. Any other action should be considered full involvement in a cover up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment online to Green Tree. They replied back about a week later saying the bank XXXX did not have enough funds to cover the mortgage payment. The letter states I owe them {$25.00} is processing fees and know the payment is late so I have late fees as well. Of course there was more than enough money in my account at XXXX. Green Tree has no said they will no longer take online payments or checks from me.

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 11/15/2015 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Payoff process

Complaint: Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. 
I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. 
On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. 
My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. 
My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. 
I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. 
On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. 

My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Settlement process and costs

Complaint: I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I 'm being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. 
2. The document specifying the terms and conditions of the repayment of such a loan. 
3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. 
BoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved '' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. 
I will greatly appreciate your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (MO).
Issue: Trouble during payment process

Complaint: Our mortgage company is Planet Home. We had a fair amount of hail damage to our house in XXXX XXXX. This is now XXXX and we 're still trying to get Planet Home to endorse the insurance checks so we can pay our contractors. 

Every time we call, they want something else. In the beginning, they said they would have an inspector come out after each part of the repair was done -- roofing, gutters, siding, inside painting ( ceiling ) - at our cost. What? THEY want the inspection -- they should be paying for it. But of course, we have no choice. However, they said if we hired a general contractor, they would only inspect once. We did. Everything except the painting of the ceiling has been done for two weeks now. It will be done when we 're out of town later this month. The inspector came out. He said he has never heard of a mortgage company asking for any more than 90 % done, and we are over that, so we were expecting an endorsed check. We 've called and called, leaving messages for the genius who 's been 'our ' representative. Finally today she responded. Since the work is n't 98 % -- 98 %, mind you, done, they wo n't release the check. It is unconscionable to us that they expect our contractor to pay his subs -- or worse, for us to front the money - while Planet Home XXXX around holding our insurance check because the work is n't 98 % done. Additionally, now they want to ding us for another inspection when it 's finished. This is just the short story of what we have been through with this company. Every call was another adventure in the asylum. 

These people are so far out of industry standards, it 's scary. They get poor reviews on the BBB site and other blogs I 've found. We 're going to refinance as soon as this mess is over, but I want to know if there are federal rules that govern this sort of stuff, i.e. what can the mortgage company withhold and for how long, can they charge for inspections they require, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a hard inquiry impacting my credit report by A company identifying itself as XXXX/XXXX on XXXX XXXX, 2017. I did not authorize this credit check or any other mortgage company, broker, or loan lender to pull my information for purposes of a credit check. I believe my Ex. may have stolen personal info. and now it is being used for malicious purposes. I kindly ask to have my info removed from your system and the hard inquiry deleted from the credit report. 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 04/14/2016 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX XXXX received a fraudulent collection notice from the Bay Area Credit Service for the collection of a debt for medical service rendered at XXXX ( XXXX XXXX XXXX ) room. This service was not provided, the bill is not valid and because of the facts below it 's highly probable that an Unauthorized Disclosure of Personal Identifiable Information has occured. The details follow : On or about XXXX XXXX XXXX the receipt of multiple falsified medical bills were delivered to the residence and I took action to correct the error. The bills were from XXXX, Emerald Coast Pathology Associates and XXXX. I spoke to the XXXX office and the XXXX former accounts appear to be resolved. Due to the fact the personal identifiable information provided to the staff did not match the information for the person that received care. However, for the XXXX fraudulent charge. I was informed to speak directly to the billing agents. I called the same day and provided the details of the charge and I was informed by the agent that the bill would be placed on hold and a return call would occur detailing the results of the fraudulent charge investigation. The same bill continued to be delivered and subsequent calle were made to address the fraudulent charges. I was told by the agency the charges would be addressed but a notice of collection was still received for services that were not rendered and can be verified easily by comparing and contrasting in close detail the personal information on the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Customer service / Customer relations

Complaint: I called my credit card company to request a letter confirming a transaction ( {$6500.00} on XXXX/XXXX/2015 ). I needed this because of a dispute with XXXX regarding a hospital bill I had paid. The representative seemed very confused by my simple request but eventually said that he would " submit a ticket ' for the request. When I had not received anything after 2 weeks, I called once again and asked to speak to a manager. I explained again what I needed and the importance of getting my request completed in a timely manner and was told that the ticket had been sent to the wrong department and that a letter had been sent to me to say that I would have to pay {$5.00} for the research and that the research could n't begin until I had received the letter and called them to confirm that I would pay for the research. I never did receive this letter ( or any other communication regarding my request from them ). 
It has been over a month and they are unable or unwilling to help me with this request. In addition, they were dishonest in informing me that they had sent a letter to me. 
I am now in a situation where despite providing my credit card statement and a hospital statement showing that I made the payment I can not get this resolved until I receive the transaction verification from my credit card company.

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 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This credit report agency has the wrong if not precise report from creditor which is not true causing conflict with merchants regarding Lawyers, accounting experts and etc contacting me via mail and with certification of tax lien imposed on me through IRS which is not so. I contact the number given of the county clerk in XXXX County and they indicated that there were no Legal Tax Lien on my account. I then contact the credit agency without making a report regarding this matter in which they replied that this case is active. This is fraudulent according to the State Law and it has to be dealt with accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a totally phony attempt to collect a debt that does not exist. I see on the Internet that this company is known for scamming people by trying to collect on imaginary XXXX debts. Please prosecute them and put them out of the collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with Quality Asset Recovery LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. 

thanks 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 05/31/2017 about Debt collection (Medical debt) with Io, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on  XXXX   XXXX ,    2017  asking them to verify deb t ( See attachment # 1 )  the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment  # 2 ).  Then on  XXXX   XXXX ,    2017  i sent out a debt settlement letter giving them until  XXXX   XXXX ,  2017  to provide the original instrument of indebtedness in its original form. ( see attachment  # 3 ). The wr ote back on  XXXX   XXXX ,    2017  with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on  XXXX   XXXX ,  2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.

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 12/28/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please

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