milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Received harrassing phone call at my job from Representative named XXXX XXXX threatening to deduct mortgage payment from my bank account without my authorization. My work number was never provided to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (UT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XXXX/XXXX/2016, Cash Advanced {$600.00} with our Social Security XXXX XXXX XXXX. Zions National Bank could not find the {$600.00} cash advance so they ran another {$600.00} on XXXX/XXXX/2016. This mistake held {$1200.00}, all of our income. The supervisor XXXX XXXX XXXX at XXXX, stated " that it was the same {$600.00} and they had not made any mistakes. Contacted XXXX XXXX and they explained that Zions had forced through the 2nd {$600.00} and we would have to obtain a letter from Zions releasing the 2nd hold. XXXX XXXX insisted that it was the same {$600.00}, refused to issue a letter releasing their hold. We had to wait 10 days before the Zions hold would fall off, during these 10 days, we had no $ for XXXX. We spoke with 9 people, and numerous times with XXXX XXXX. During this 10 day waiting period, we begged XXXX XXXX to consider helping us, after all, we have had an account for 29 years. We contacted the Branch Manager, XXXX XXXX, he refused to help us, a 3rd party performed their cash advances. We suggested a letter from XXXX XXXX, their records showed a double hold, he refused to accept the letter, they had not taken a second hold. On the 10th day the Zions 2nd hold fell off and our {$600.00} was released. Zions Bank, insisted that they had done nothing wrong, and could not figure out what happened. Because they did not know what caused the problem, we felt it necessary to file a complaint. XXXX XXXX is a government agency and they knew what happened, Zions refused to admit any fault in the matter. XXXX XXXX, Case # XXXX, sent me {$80.00} in XXXX 's coupons in XXXX, we have closed our account. They had a nice XXXX, we will never forget we did n't have XXXX because of Zions.

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 08-01-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (AL).
Issue: Problems when you are unable to pay

Complaint: XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Payday loan () with Cash Express, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I XXXX XXXX took a loan out with cash express and right now as it stands I am going though a financial hard time and I will admit I do owe it just recently cash express came to my mom and dad 's house and delivered paperwork to my mom while I was away and I offered them {$100.00} a month and they would not accept the payment and told me they would see my XXXX in court. and I do draw a XXXX check so just recently I typed up a cease and decease form and mailed it to the corporate headquarters and the local store of cash express on XX/XX/2015 and just recently I just received XXXX letters XXXX from the corporate headquarters and the local store and I do have witness to said fact of the letters being sent out and received. if you like anymore information please contact me XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear langua ge of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is  greater. ''

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 04/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: calling my home and job making threat s

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IN).
Issue: Account opening, closing, or management

Complaint: i have contacted chase bank many times, and i have got no response from them, i lost my job due to my health and i am XXXX and on XXXX ..i return my auto back to the auto dealer ... chase bank lie on my credit report and posted that they repo. my auto ... i had XXXX witness and mailed a certified letter to chase bank as well..now chase bank wants to be real XXXX and cause damage to my credit report by doing a credit inquires to drop my credit scores ... i have spoke with a atty ... and if chase does not stop i will expose chase bank, ,and since a XXXX vet i am sure that would make good news story ... i am so fed up with chase bank.i have mailed them at lease XXXX packets of information and i have been very honest with chase bank ... what really made me mad is the few times i would talk to someone at chase bank, ,i was told by a chase bank staff lady that they could not get close to there customers ... i have work in XXXX for 27 years,,, i have never herd of such a poor excuse ... i have learn with chase bank being honest with them is not chase bank wants..XXXX i should have just kept my truck and cut the gps system and chase bank would have never found my truck ... as i have said i am not going to put up with chase bank causing damage to my credit report ... .if this how chase bank treats people that are XXXX and XXXX veterans ... chase bank needs to close there doors ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with Financial Recovery Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a letter from Financial Recovery Services , Inc., XXXX. XXXX XXXX XXXX, MN XXXX XXXX The letter is claiming that they are collecting a debt for a company I never had debts with. They are claiming I owe {$4700.00}, and the original credit is XXXX. I've never heard of that bank in my life. They say in the letter if I even attempt to dispute the debt they will obtain a judgement against me. This is my first time hearing from Financial Recovery, and first time hearing of " my original creditor '' XXXX. I feat to communicate with this company effectively because they immedaitely threaten with a judgement prior to communicating. The letter is worded in a way that says I can file a dispute but the office of Financial Recovery Services will immediately file a judgement against me which is frighting. I am unsure that this debt it mine as I have never had any credit with whomever XXXX is. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter stating that this account would be removed directly from PORTFOLIO RECOVERY # XXXX they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, PORTFOLIO RECOVERY, or any third party law firms and collection agencies are in accordance with the Georgia law. 7-3-8. License required ; application ; fees. Rule 120-1-2-.07 Procedures for the Licensing Process,7-3-8. License required ; application ; fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: Add-ons to CFPB Case numbers : XXXX and XXXX How could my {$2100.00} check disappeared without trace as what XXXX XXXX XXXX, XXXX and his other Branch Bank Reps told me on XXXX/XXXX/16 at the local Chase branch office ( Chase @ XXXX XXXX XXXX, XXXX, NJ XXXX ) where the Chase ATM XXXX is located? It might be a possibility that someone purposely removed my {$2100.00} check from the Chase ATM XXXX since XXXX/XXXX/2016. That would be criminal and Chase Bank should track down that person who is responsible for this incident. The Computer System in the ATM should be able to create/generate logs from the deposit since I made the deposit around XXXX XXXX on XXXX/XXXX/2016. The ATM printed out a receipt after the ATM swallowed my {$2100.00} check without crediting {$2100.00} into my Chase bank account. As I witnessed, the ATM system was shutting down by itself after the receipt was printed, then I saw Window 7 Operating System Logo at the bottom of the ATM screen, then ATM rebooted itself. After the reboot was done, the message of " The ATM has experienced a Technical Problem '' displayed again on the ATM Machine 's Screen. I called the Chase Claim department at XXXX ( shown on the receipt ) immediately to file a claim right away and spent some time to explain clearly what happened to my deposit failure with the Chase Claim Specialist, but I am uncertain if the Claim Specialist who answered the call the first time was responsible and wrote down or recorded what I reported to her in greater details to help the research and investigations. 

QUESTION : Who has the solid background that can work and solve this problem with a concrete resolution for this ATM Deposit Dispute at XXXX XXXX on XXXX/XXXX/2016 that I made? It requires a team of very experienced Engineers to look at the ATM Computer logs and all video feeds to analyze, find the check, and know what had happened to the check that I deposited at XXXX XXXX EST on XXXX/XXXX/2016. This incident should be traceable as it ate my {$2100.00} check without crediting my Chase Bank Account, and the computer logs should be captured by the ATM computer system if the deposit is failed and I have a printed receipt to show. If not, I would really question the DESIGN of Chase ATM system that simply could not handle deposit failures like this. This is a failure of JPMorgan Chase ATM XXXX and JPMorgan Chase Bank , N.A . should take all the responsibilities and improve their ATM as soon as possible to prevent more Chase Customers from suffering losses ( both checks or cashes ). Do you build the reliable ATMs to allow customer to use it? Most of all, I need the {$2100.00} to be credited permanently from JPMorgan Chase Bank , N.A . and this matter can not take lightly.

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. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Reference : Case # XXXX. 
XXXX ( XXXX ) called me today to tell me HSA Bank will close my account - their chose not mine. I sill CAN NOT access the account. When HSA closes my account and sends me a check there will be taxes due on this money because it is a tax deferred health savings account. HSA MUST pay the taxes since HSA has chosen to close the account because I can not access the account on line.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: I want to convert a portion of my CitiBank HELOC to a fixed rate loan in accordance with paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006. 
I am writing to you after spending many weeks communicating my request with CitiBank staff and supervisor representatives in far-flung parts of the world. I have had in-person office meetings with my local CitiBank Loan agents and CitiBank branch managers to discuss my desire for converting a portion of my current HELOC loan. On every occasion I am referred to another CitiBank employee ( phone # ) who either has no knowledge of the criteria used in calculating the rate I will be charged on the $ XXXX amount I wish to convert, OR, the representative contradicts another employee 's explanation of how the rate is derived. All employees refuse to document their statements or provide a written estimate of fees and interest rate charges for the converted loan amount. 

Paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006 reads : " ... The Annual Percentage Rate for each Converted Balance is fixed and will be determined by the value of an index. We will take the index in effect on the date the Converted Balance is established by us and add a margin. The index we will use is the Federal Reserve Statistical Release XXXX " Selected Interest Rates '' Interest Rate Swaps ( 7 Year ) .... '' My current margin is XXXX %, The current index value is 1.51 %

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 04-08-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX I had a mortgage thru XXXX contract on a mobile home because of having XXXX illness I was out of work for a couple of months and had fell behind on my house payments and lot rent. When I got back to work I had gotten my lot rent caught up and had called Greentree who bought out XXXX andXXXXXXXX had offered to pay {$500.00} for three weeks and I would have been up to date on my house payments, but they refused the money offer so they broke the contract. And now a company called ditech has taken over the account and is trying to collect the money that is left owed on the trailer which I do not live in cause they would n't accept the the money and me and my wife had to get out. The trailer was sold to another party. I had told ditech what happened and told them to go after Greentree. They will not leave me alone. Account number is XXXX right now I am on social security XXXX and on state XXXX for the insurance I 'm in XXXX. I had my XXXX. And last month I had to have XXXX. I wish for ditech would go after Greentree they broke the contract not me, and I am not paying for something that I do n't have anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: for couple years equifax has been reporting to XXXX different reports from them with all my information in except of XXXX number from my social security the incorrect social security file has all my personal information and a lot of my accounts from present and past keeping me able to obtain the best rates and loans available in the market because a mistake they did and are not able to fix. I have contact them and talk to them for several days and hours on the phone and they do n't listen and keep telling me that is fix when is not because I keep getting those reports to my home with the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (VA mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Trouble during payment process

Complaint: I contacted XXXX XXXX XXXX ( SLS ) in XX/XX/XXXX timeframe about a request to increase my escrow due to my county taxes. I have been exempt from paying county taxes since XX/XX/XXXX when I was deemed XXXX XXXX XXXX XXXX by the Veterans Administration and submitted documents to XXXX County Treasury Land accessory office. They have sent and their request and as you can see on page two that they have claimed to have paid those taxes. I spoke with the County office they stated they have not received any tax payments. They have not provided any proof of these payments till today. They are receiving my monthly payments thru their Bankruptcy department and they are receiving {$750.00} monthly Chapter XXXX payments to pay down past payments. I did not pay XX/XX/XXXX or XX/XX/XXXX awaiting their proof of tax payments but no reply to my letter request. My Attorney  XXXX XXXX is of very little help, as it took over a year to get my Chapter XXXX actually approved due to his lack of submission of proper documents to the court and errant amounts submitted to the court. I earnestly need your assistance in getting this resolved and the amounts paid supposedly to taxes should be removed or put towards my principal of past due amount to get this cleared. This company is known to try and pay past taxes on house then put house in default to take ownership of house to resell house and make company a profit. I will be making extra payments for XX/XX/XXXX and XX/XX/XXXX payments next week and each week until paid in full by end of XX/XX/XXXX, at the latest!

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 07-12-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.

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 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work at XXXX where we are not allowed to receive personal calls. I was contacted by a employee of progressive financial services while at work. I explained that I was not allowed to take the call at work and quickly hung up to avoid getting fired. I was called again at work the very next day by the same employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation