milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DISCOVER BANK (AL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Discover Personal Loans have called me multiple times before XXXX and after XXXX. They are calling me from XXXX and have been calling for over a month. I have been called at my home and work on multiple occasions to the point that it is extremely frequent and repeated.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred XX/XX/XXXX from XXXX XXXX to Freedom Mortgage. We still owed a payment to XXXX XXXX for XX/XX/XXXX, according to Freedom Mortgage, so we paid twice in XX/XX/XXXX. This brought us current as far as we knew. Everything was fine until XX/XX/XXXX, they are saying we are still a month behind and keep changing their story as to why. Everytime we speak to someone they have a different story as to why we still owe another months mortgage payment that we have already paid. We even made a principle only payment XX/XX/XXXX, that they then tried to apply to another mortgage payment without our authorization. Please help. This is getting out of control, and they keep telling us to talk to our former lender, and we have, they said we were current before we transferred. We have never been delinquent on our payments. It seems like they are trying to make us go into default.

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
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I called Citizens Bank to ask how I get a statement ... .I was looking for a {$40.00} or {$50.00} check I wroth the IRS XX/XX/XXXX or XX/XX/XXXX ... ..my bank only keeps statements on line for 18 months. So I missed it by 4 days ... ... I was told that the bank could mail me a copy of XX/XX/XXXX If check not there, I could then get XX/XX/XXXX. The next day my account was debited {$120.00} for the statement ... ... ... .I called the bank ... was the put to a supervisor was was going to get back to me ... ... .I am stilll waiting ... ..Who in there right mind would generate a Debit for {$120.00} for a canceled check that 3 days prior could of gotten off their I pad? .. I was ripped off ... ... .looked on line. There is no mention of a {$100.00} to reproduce a statement. No one told me at the time on the phone ... ..not fair to the client

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Credit card () with DISCOVER BANK (LA).
Issue: Other

Complaint: I had a secured Discover IT card, and I fell behind with payments due to education expenses. My account was closed and permanently revoked in XXXX, and this was not something I was aware of. I reached out on XXXX XXXX, 2016 by a message, and I asked if I made a full payment would it enable me to have spending privileges again. I was hasty, and I initiated a live chat with an Account Manager. We had an extensive chat, and in the end, I ended up making a payment for the full balance. Well, during this chat, this manager did n't say anything about my account being essentially inactive. I scheduled the payment for XXXX XXXX, 2016. I received a response on XXXX XXXX, 2016 informing me that my account was revoked and closed. I immediately sent a message and asked them to stop the payment having been told of that new information. To this day, I have not received a response to that message. I finally decided XXXX hours had passed, so I reached out to a live agent and asked for the payment to be reversed on XXXX XXXX, 2016. She told me that it would take about 15 business days for it to go thru the proper channels. I waited that much time and a bit over because on XXXX XXXX, 2016, I reached out again and I was informed that due to my payment history a partial or full refund could n't be issued. I did n't let it rest. Since XXXX XXXX, I have been fighting constantly. I reached out to the XXXX, and about an hour ago, I rejected Discover 's decision and issued a rebuttal. Discover has given me the runaround tirelessly for almost three months. I have talked to Account Managers, Supervisors, and this XXXX person who was a representative of the XXXX division. It went from a 15 day refund to talking to the bank wire department to everything in between. I even offered to allow them to a portion to show good faith. They rejected that citing company policy and my payment history. At any rate, this payment was made without having all of the facts. I do n't know if the agent assumed that I knew my account was revoked or what, but all I wanted to do was get back on track. I 'm a college student, and I do n't have a lot of money or a cushion so to speak. {$5500.00} tuition every XXXX weeks and the cost of supplies for school means my money is low. I was trying to do the right thing, but I would have preferred to pay the balance down overtime. I 've been more than patient. I realize my payment history was n't as strong as it could have been but work with me not rail against me and make me pay for a miscommunication. It 's bad enough that I asked 24 hours after the payment was scheduled to be taken for someone to please stop it and no one responded. It was a gross error and a huge mistake. One that I have been fighting hard to amend since XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with Account Brokers Inc. (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I made an attempt to settle a debt. I was happy to pay, and thought I had even already paid it, but the three women I spoke to were extremely rude to me and were not communicating with me in a manner in which I felt my money would actually settle a debt. To me, their attitude was not worth {$120.00} that I supposedly owe. I was horrified by their lack of professionalism. They had no interest in working with me to settle the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Incorrect/missing disclosures or info

Complaint: During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: some time on and around XXXX 2017 an inquiry show up on my credit report. the company is XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX iL XXXX I have notify Equifax and XXXX. XXXX contact the company and they remove but no not Equifax. I never apply for credit and I contact then and they told me that they do not take for customer

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.

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 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The mobile phone company ( XXXX ) had a breach in accounts and my account was ported to another mobile phone company ( XXXX ) without my consent. I had to work nearly two weeks with XXXX to get my mobile phone number and in that process figure out why this happened. A XXXX representative did confess to me that a number of XXXX accounts had been breached and information was used to open new accounts. After XXXX retrieved my number back from XXXX I started receiving letters from a collection agency saying I owed XXXX for a closed account. This was not a closed account because I still currently have services with XXXX using the same original number ( as of XX/XX/2017 ) and XXXX wrongfully assigned this account out for collection. I disputed the charges with the agency and to no avail were they willing to investigate or cooperate with XXXX. This account now has been assigned to XXXX different collection agencies without anyone attempting to investigate or resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX PHONE NUMBER XXXX XXXX I IN XXXX SENT BACK THERE CELL PHONE TO XXXX, INDIANA THEY CHARGED ME WITH A 2 YEAR CONTRACTAND NO ONE HAS MY LAST EMPLOYER GENERAL DEVICES COMPANY FROM XXXX TO XXXX MY INCOME SOURCE IS XXXX XXXX SINCE XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: As of today XXXX XXXX,2018 I logged into my XXXX XXXX account to find an open collection notice from an unknown lender and collection company known as XXXX XXXX XXXX XXXX. I had not taken out any payday loans. I believe I am I victim of fraudulent or scam activity two different reports between my XXXX and XXXX report state comments as reason to collect a debt and medical which I knew is a fallacy as I am a XXXX XXXX  and medical bills are covered indefinitely i did multiple research on the phone number and company and seen this has happend to multiple people. I am a single mom and XXXX looking at getting into a stable living environment this open collection account is going to effect this negatively. Id also like to note I never received a notice to dispute the debt prior to being sent to collections or a notice from the collection agency. Id like this to be resolved I will attach multiple forms of proof verifying my claims and other reports of this company being a scam. I fear for the safety of my identity also this is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (TX).
Issue: Trouble during payment process

Complaint: I overnighted my flood insurance check to XXXX XXXX " XXXX '' along with a binder of receipts from contractors for labor and materials from hardware stores. Two weeks later, I called the XXXX XXXX to be told by the person assigned to my account, XXXX, that I needed canceled check proof of payment to the contractors in addition to their signed " paid '' invoices. Had I not called, when were they going to tell me this? 
I asked about the cash payments we had made to which she replied that the signed invoices had to say " Paid by cash '' and dated. Notwithstanding the failed logic of why a signed invoice is acceptable in one circumstance but not another, I emailed them the cancel check images to " XXXX '' on XXXX XXXX. Today, XXXX, I got an email telling me that they were sending out a check for {$19000.00} ( only for the materials ) out of over {$100000.00} of receipts and that my return XXXX label was unusable. I had spoken to XXXX ' XXXX XXXX last week about the XXXX  label which she claims was not usable because it had Cardinal on the 'From ' address. I generated the label from my corporate account and XXXX confirmed that I had generated it correctly yet XXXX told XXXX this morning not to use it in spite of my proof to the contrary ( sent web captures by email ). I mention this incident as an example of their capricious manner of their handling my reimbursement. The cancelled check proof I sent last week? XXXX just uploaded it to my account this morning and told me that it will take 72 " hours '' to have it reviewed. Their language is measured as if they say " hours '' it will seem less than the 9 DAYS she said it will take. Why will it take 9 days to match a paid invoice with a cancelled check? 
I have maxed out my credit cards and available cash to clean out my house, dry it out and start rebuilding. I need to be reimbursed what I have spent so I can continue with the rebuilding but Cardinal refuses to disburse the funds, even the 1/3rd that they initially told me was customary is not going to be disbursed. I need help to have them be more responsive. Having a natural disaster is one thing but being prevented from rebuilding because of a mortgage company lack of service is shameful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing on a mortgage

Complaint: I am selling my home in a short sale. We have been approved and unfortunately an old loan from the previous owner has come up on the title. We have contacted Chase which seems to be the lien holder in regards to the lien release so that we may close. They were originally contacted In mid XXXX and to this day they have made us send them the title binder, mortgage, assignment of mortgage to them to multiple e-mail which include : '' XXXX, XXXX XXXX XXXXXXXXXXXX, " XXXX, XXXX '' XXXXXXXXXXXX, XXXXXXXXXXXX, and to their manager at XXXXXXXXXXXX. As of today they are forwarding documents to be submitted to processing after weeks of phone calls and emails/ I have tried to speak to a manger and have escalated the request on multiple occasions but NOT EVEN ONE representative is able to give me an update on this request. We are past my short sale approval date and have yet to receive a concrete response from Chase except to resend the documents again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Problems when you are unable to pay

Complaint: I received a title loan with 800 Loan Mart in or around XXXX XXXX. I defaulted on the loan XXXX XXXX because the car was not working and I was paying for one repair after another to no avail. I called and emailed 800 Loan Mart hoping to work out payments apart from the contract to no avail. 800 Loan Mart sold picked up the car then sold it at auction during which time 800 Loan Mart has claimed more than 3 times the original loan amount often reporting under multiple different names as collection and/or open credit at the same time, siting the account under multiple different terms along with different account numbers and/or history and payments. I believer their business practices a damaging my name. Please look into their billing and accounting practices along with their reporting practices to the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My home is underwater I owe more than its worth and I needed help. 
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX. 
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX. 
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Settlement process and costs

Complaint: My husband and I have been trying for years to refinance our home mortgage. Wells Fargo, the lender, XXXX mortgage owns the loan. We bought our home in XXXX, have not missed a payment + we have great credit scores. Currently, our home value is less than what we paid for. Wells Fargo wo n't lower the loan to the current property value, unless we 're in a hardship! Wells Fargo just sends letters with XXXX numbers, so they can give you the run around and pass you off to other staff until you get frustrated and hang out. 
Meanwhile, we 're busy and do n't have time for this. Perfect scam. Why would they help!?!?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was contacted by Diversified Consultants dbs DCI on XXXX/XXXX/2016 regarding a XXXX Bill. I spoke to a woman by by the name of XXXX who told me that I was able to set up a payment agreement. I did not want this reported on my credit report so therefore I inquired about a settlement agreement. She told me that I was able to make XXXX payments of app XXXX and the debt would not be reported on my credit. On XXXX/XXXX/2016 I received an alert that information had been added, so once I go check, I see not only did they do an inquiry on my credit without my permission but they added the same debt 4 times on my report causing my score to significantly drop. I immediately called the company back and after multiple calls and emails they call me back on XXXX. i spoke to XXXX and informed her on what was going on and she tells me that I had a certain time frame to pay the bill. I said well why was that not told to me before making the settlement because had I known, I would have taken care of the debt prior to then. She places me on hold and her supervisor, XXXX, comes to the lines and tells me that it will remain and that an update will be made. I informed him that these are unfair practices and this is not what was explained to me when I set up the agreement. The stance of the company is that they are not removing it and will continue to collect on the debt, which is unfair to consumers who are making efforts to pay their bills. I was never made aware of any time frame and it was never stated that the debt would be reported. As I look as review about this company, XXXX other people have had the same complaint with this shady business.

Company response to consumer: Closed with explanation