milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I agreed to a 1 year insurance policy with XXXX XXXX ( XXXX / XXXX XXXX, CA XXXX ) for my condo unit in XX/XX/XXXX. 

In XX/XX/XXXX I began to receive notices of past due amounts for a renewal of this insurance policy. I notified XXXX via telephone and email that I no longer wanted their services, thus the reason why they had not received a renewal payment. The reason why I did n't want to renew with them was due to their lack of attention and detail to my account while I had them. 

I then began to receive past due notices in XX/XX/XXXX from another representative in their office XXXX ( XXXX ) asking for the same amounts be paid, however I had told them I did n't want to continue with their services yet again in XXXX. 

On XX/XX/XXXX I received a notice in the mail from Credit Collection Services ( XXXX ) a collection notice in the amount of {$130.00} from this XXXX office. I immediately contacted XXXX who said she would have their office manager ( XXXX ) contact me regarding my concern ( she has not returned my calls ). She also said that I just needed to send her an email saying I have another insurance policy with another company and they would excuse the amount due. 

My concerns are the following : * I notified this office several times to cancel and they did n't. 
* They are billing me for services I did not want and are now sending me to collections. 
* They are unable to explain in detail how they calculated {$130.00}. 
* XXXX is now asking that I provide proof ( signed contract ) that I signed up with another insurance company before she removes the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: In     XXXX    2017  and   XXXX      2017  I disputed an account by mail, that was reporting incorrectly. BOTH times I received a letter stating that the account in question was n't on the credit report. Ive called only to be told that the account number that was put on the dispute us wrong. It is my right as a consumer that if an account is inaccurately reporting to demand removal. I do n't understand how I can write the account number wrong that I received off of their website? Twice? The only resolution is that the account be deleted.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Google Compare Credit Cards Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ONGOING 2 YEARS LATEST XXXX/XXXX/XXXX. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX  automatically change it to XXXX Michigan XXXX XXXX XXXX, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other XXXX *City XXXX XXXX. 
IN - Indiana XXXX XXXX XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX https : XXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! 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 08-08-2017 about Debt collection (I do not know) with First National Collection Bureau, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently wrote a letter to the debt collector company of First National Collection Bureau to explain how, where, and when was the original debt collector of XXXX XXXX XXXX who did not notify me of any transactions which I was not aware of from the original creditor of XXXX XXXX XXXX, when I am a XXXX XXXX XXXX person on assistance in Minnesota since XX/XX/XXXX to not know anything until I have slowly recovered. I feel that anyone can be using my name, social security number, credit card or any information of me to fraud. Please advise me on this situation for which I feel I do not owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015, I went to chase bank on XXXX florida and made a payment to my mortgage and returned back home, as soon as I get home I received a phone call from my small brother who told me that my father who was on vacations in XXXX was rushed to hospital and pronounced dead two hours later. I traveled overseas for his funerals and came back, that situation put me in a very difficult time to pay my mortgage for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I went to same chase bank on XX/XX/XXXX with XXXX payments the bankers told me that they can not receive any payment at that time for my mortgage and then told me I have to call financial dept. I returned to the same branch with XXXX months payments where I was behind 5 months, they told me to contact the financial dept and they stated that I have to call their lawyers to ask for reinstatement of my loan. I did call them, i requested a quote of reinstatement for my mortgage they sent it to me ask me to pay {$5400.00} for my mortgage plus {$3100.00} for lawyers fees by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Bank of America has kept an IRS refund check, drawn on the treasury on hold. According to law, it is my understanding that BofA is required to release funds from a check, within one business day of deposit. I've called twice and spoken with different representatives and been told different things, so it appears their customer service has no firm or fixed policy regarding check holds. I asked them if there was some type of exception, or some problem, and was informed that it was due to " checks being drawn on high volume accounts take longer to clear ''. They are listing the hold time as 8 days from date of deposit, which is clearly illegal under federal law ( Expedited Funds Availability Act ) and the federal reserve 's rules, namely 12 CFR 229.10. It would appear that BofA does this routinely and regularly, in violation of federal 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 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX, XXXX Chase issued me a check in conjunction with a refund on my credit card. That check was bad, recalled by Chase, when I tried to deposit it. I called in XXXX when I realized the check was recalled and they said they would issue another check. I waited until XXXX/XXXX/XXXX and still had not seen the 2nd check, when I called this time they said the check had not been " finalized '' by Chase. I told them that day that I was not going to wait for several more weeks for a check because they had failed to submit or finalize my request from XXXX, I requested to have my funds made available to me via back onto my credit card or into one of my deposit accounts at their financial institution. After speaking to a supervisor 's supervisor, unbeknownst to me one of their associates put in for another check to be mailed to me, without my consent ( further delaying the process ). They said they would cancel the request for a check to be mailed to me that was not authorized by me and they would attempt to put the funds back to my credit card and that they would call me back in 24-48 hours. 
XXXX I have yet to hear from Chase, so I called again. They said several things from that they were working on getting the funds back to my card, to they were mailing me out another check. I told them again that I would not wait for another check in the mail and that I wanted my funds back to my credit card. The supervisor XXXX was unable to help me, so I was transferred to his supervisor, who was unable to help me and said that it would be another 7 days. 
I still have yet to have my funds ( in the amount of {$170.00} ) made available to me since XXXX, XXXX. 
I am requesting that Chase put the funds back to my credit card, so that I may have my funds available to me. 
I am also requesting this case against Chase be made to proper authorities as I believe that Chase has at this point been negligent on several counts of making a consumer funds available to them. 
Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till 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 03/17/2016 about Student loan (Federal student loan servicing) with Ceannate (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I entered into agreement with navient for student loans. Now I am being approached by a collection agency about a federally subsidized loan. The company approach is deceitful. Blatantly lying and baiting me. Will not allow me to discuss matter when I am not at work. Would not schedule a callback without trying to force me to answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (VA).
Issue: Taking out the loan or lease

Complaint: My vehicle lease and auto loan are paid in full but still appear in my credit report. 
I leased my vehicle and after 3 years i decided purchase the vehicle. 
I own the vehicle because i paid in full all the debt. 
On my credit report appear like two different vehicles and still debt balance to pay. 
I need this balance being updated.

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 03-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit determination

Complaint: I applied for an America Express Card but have been constantly denied credit. I filed bankruptcy ( Chapter XXXX & XXXX - I believe ) about 20 years ago, Amex was XXXX of the cards included in that bankruptcy. Back in those days, I was financially devastated. I have rebuild my life and my credit again, with XXXX score hovering above XXXX points. 
I believe American Express is holding my bankruptcy filing against me in denying me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan is with Ocwen and seller is in pre-foreclosure, has NEVER asked for a postponement of the sale until recently once seller understood how a short sale would help them avoid foreclosure. Seller was told by Option One, back in XXXX that there was " Nothing they could do for them and to GET OUT '' of the house. They were told it would foreclose in XXXX XXXX. The house has sat vacant for years now, and seller never knew the bank did n't foreclose on them, until I reached out to let them know. After learning their story, i believe they deserve a break and would love to see them get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, the seller has never asked for a postponement, this is the first time and Ocwen is saying no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX had reported a late payment by mistake last XXXX or XXXX of 2016. They have worked with me and they can show I was on an in-school deferment during this period and should not have had a late payment on my credit report. XXXX and XXXX do not show this delinquent payment and they have corrected my credit report. Transunion REFUSES TO MAKE THE CORRECTION! They also refused to talk to the XXXX supervisor on XXXX on a conference call so he could verify the correction from his company. Transunion is purposely and intentionally damaging my credit report and they have caused me to have a higher interest rate on my car payment and I have been refused credit and a mortgage due to this intentional act that I want corrected immediately.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcement, basically profiting off consumer misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is refusing to work with me to lower my student loan interest rate on a permanent basis. They have refused to send me the terms of a 1 year program that lowers the rate by only 2 %. The Principle balance of my loan has more then doubled. I also believe they are outside the statute of limitations. Over the past 10 years they have called me multiple times sometimes more then XXXX times a day. They told me to move into a smaller house and do something to improve my situation. I have XXXX and work my hardest to pay for my loans - their reps belittle me and make me so upset I go home and cry. I can not take this anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2017 about Debt collection (I do not know) with GC Services Limited Partnership (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They called my job and told a co-worker what company they were calling from when she asked who was calling. That is no ones business and they should never contact my job. They keep calling me all day long.

Company response to consumer: Closed with non-monetary relief