milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Identity was stolen back in XX/XX/2012. I made out a Police Report with my cities Police XXXX XXXX XXXX. I also made the steps to put my credit on lock down for a few months. I went through all the steps I was suppose to ... I even sent a copy of the police report to the XXXX itself XXXX times ( I do n't live in XXXX nor have I ever ).

Company response to consumer: Closed
Consumer complaint received 04/20/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: When my wife opened a new individual account at Chase Bank to receive her Social Security payments, the Chase employee was instructed to not include my name and social security number. My spouse had XXXX other accounts in which I had signature authority, therefore my Social Security number was on file. This process of removing my name Social Security number from the new application triggered an alert or concern with Chase Bank. This resulted in classifying me as a " reputational risk ' to the Bank and XXXX Chase Bank accounts were closed and XXXX credit cards were cancelled where my name and Social Security number were attached. Local branch manager at Chase reviewed the new account process with the employee and indicated that the new account process caused problem. Chase management refuses to acknowledge the cause, reverse their damaging allegation about me or tell me what makes me a 'reputational risk ' or re-establish the accounts. 

A complaint letter has been sent to Chase Bank branch in XXXX XXXX but I am told that nothing can be revealed to me about the decision but other financial institutions will be notified that I am a 'reputational risk '. This is damaging for me and Chase 's claim can not be challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I have been a valued and loyal customer of American Express Platinum Card since XX/XX/XXXX. Beginning on XX/XX/XXXX at XXXX, in a recorded call w/a male member of the American Express Credit division, I was harassed and a large unauthorized payment was direct debited out of my business checking account. At XXXX, XX/XX/XXXX, I made a follow-up call to the credit department. This time, the man I spoke with was very apologetic, said that he had started a review of the situation and that I would hear back from a supervisor within 48 hours. I never received a call back from the supervisor. The following week I called back several times. Finally I was given the direct line of a supervisor who said we would have a call on Tues. XX/XX/XXXX at XXXX EST to review 8 months of my Am Ex statements which reflect every month inaccurate payments which I made throughout from XX/XX/XXXX-XX/XX/XXXX. I have statements from the bank documenting exactly what was direct debited from Am Ex out of my business checking account. To date, Am Ex has inaccurately posted my payments direct debited from my business account. The supervisor, XXXX XXXX at phone : XXXX, never called and never returned my calls. I called XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I made a payment to Am Ex on XX/XX/XXXX, of {$16000.00}, direct debited from my business XXXX account. I have an outstanding balance, which I have repeatedly said I am interested in paying in full, both in speaking with Am Ex credit operators directly in live calls ; and repeatedly, in my messages to XXXX XXXX XXXX message. My records show that I am being overcharged by Am Ex by at least {$3000.00}. When I call and speak w/any one directly at the Credit Department, I am assured that I will receive a call back from a supervisor within 48 hours. This has never happened. As of, XX/XX/XXXX, I have repeatedly said that I want to pay my balance in full and get out of the extended payment plan where I am being charged 18 % on the ongoing balance ... and our records need to agree as to how much I have already in fact paid through direct debit of my business account. Please help! No matter how many times I 've called and tried to resolve this situation, I have received no assistance from Am Ex. Since XX/XX/XXXX, I have only had very supportive excellent service with American Express. This experience that has now been ongoing since XX/XX/XXXX is very, very distressing and disturbing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: " Contract was cancelled '' " NO CONTRACT '' The original creditor is XXXX XXXX and they are the collection agency. They wrote off the debt on their taxes which wrote off my obligation to pay. The contract I had with them was cancelled ; I no longer have a contract with them. The results to have them remove this collection debt off all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with SUNTRUST BANKS, INC. (VA).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. Misappropriation of government funding and income tax fraud with the XXXX at XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. Construction materials audit fee of {$120000.00} to track materials used for the community. Insurance agent fee with XXXX XXXX in the amount of {$130000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with CL HOLDINGS LLC ().
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Jefferson Capitol calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (SD).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.

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 08/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with Hunt Leibert Jacobson, P.C. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Hunt Leibert Jacobson P.C. ( HL ) has filed a foreclosure complaint in the XXXX Ct Superior court without the validation/verification required by the FDCPA, which was clearly requested by me, a defendant. In the summons they attached a letter stating they would not proceed until validation was given. They went ahead and have filed suit, months have passed with no validation. In a previous foreclosure on the same mortgage the court ordered the same plaintiff to file a new complaint and SHOW INTEREST. They have filed the complaint without showing interest. Per FDCPA the mortgage and note were rescinded and the rescission recorded on the land record in 2009. Plaintiff knows this from being served the rescission and from the previous court case that they withdrew. The supreme court is clear that the Federal Statute renders the mortgage and note void, and that disputed or not, it stands. TILA is clear a suit must be brought within XXXX, to dispute the rescission. HL and its attorneys are using the court to steal a property, knowing the mortgage and note have been void for years and further ignoring their letter that nothing would go forward without validation. Validation is legal impossibility with rescission. Foreclosure is a legal impossibility with a void mortgage and note. 
Connecticut requires a foreclosure case to move every fourteen days, the case is sitting there with no activity as there is no validation and no interest shown as required by the court. 
HL will probably file a default and a motion to foreclosure for failure to plead on the part of the defendants, when the plaintiff has not complied with federal statutes. Defendants should not have to plead when HL said it would not go forward with the case. I can not be in default on a void mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off my defaulted student loan with XXXX XXXX last XXXX 2016. I just received a credit alert from my credit monitoring service stating that XXXX XXXX has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.

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 07/13/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kay Jewelers Credit Card has been calling me multiple times per day from multiple phone numbers during a time which I have repeatedly asked them not to call me. I have requested them not to call me before   XXXX   XXXX   and they call me multiple times per day multiple times in an hour before  XXXX . Today I spoke with someone at around     XXXX   XXXX   and made arrangements to make a payment on the account and received another call not even  5  minutes after hanging up. They called 5 times on  XXXX  from  5  different phone numbers  (   XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  .,   XXXX   XXXX  ,   XXXX   XXXX   and   XXXX   XXXX   They called 4 times on  XXXX  from  4  different numbers (  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :  XXXX  ,    XXXX   XXXX  ,   XXXX   XXXX  ,  XX/XX/XXXX  ). And today they called from  XXXX  different number s (   XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  ,   XXXX   XXXX   ). This is just the list from the last 3 days. They have been doing this for over a week and this is harassment. This is the second time I have filed a complaint with consumerfinance.gov regarding this company and the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Consumer Loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: I was involved in a accident which created a hard ship we are trying to pay on this thru a debt consoliation and sometimes have to skip or extend the payment but the advance financial company keeps calling creating us more stress than we already have, can they be contacted about this we are doing our best.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: in 2013 I had a account with Bank of America my boyfriend at the time had asked if he could deposit his check in my account so I agreed and signed the check he deposited it for me. Then I get a letter stating that my account was locked, come to find out it was a fake check and I have n't been able to open a account since.

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 10/31/2016 about Debt collection (Mortgage) with Ditech Financial LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed these accounts and I have not received any evidence of any transfers from the entity recorded as lender on the Notes of which Ditech has been trying to collect on, instead the have sent me as validation copies of unendorsed Notes as validation. I have received a copy of an affidavit stating that Ditech has purchased one of the Notes and yet this was not recorded into the county records. Ditech has reported false and misleading information to the XXXX CRA 's including but not limited to double reporting the debt under 2 account # 's for each Note one current and one late for the same amount. XXXX has denied them the right to report due to not being able to produce proper documentation on one of the accounts.The CRA 's have reported different information on my reports monthly and have refused to send me a copy of my files submitted to them to validate any debt. XXXX stopped reporting for six months due to lack of proof but now has determined to start reporting again although they show no information as to the payment history. I have retained an attorney to handle these problems and repeatedly stated that Ditech contact him in these matters but to date they have not attempted contact him but instead have continued collections.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: XXXX to present paid out of my pocket my taxes that were due got bills in the mail. Paid over {$6900.00} dollars from XXXX to the present and they were suppose to be escrowed out of monthly mortgage payment from XXXX and never was being paid by my mortgage co. to find out that my monies went toward another customers loan at Ocwen and I was told this my managers at Ocwen. Emails history statements recd from Ocwen. I have receipts of all my taxes and I am requesting reimbursement of what I paid from Ocwen. They are giving me the run around. Several complaints against Ocwen see their website. I need help and assistance through this and I want to be reimbursed for all this money I Paid for my taxes that were suppose to be going towards my escrow account for my taxed to find out from the beginning XXXX my money was being applied to someone else 's account at Ocwen. Please help I have receipts payment history emails from mangers at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Checking or savings account (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: In XXXX of 2015 my father, XXXX XXXX XXXX, fell ill. I went to his bank to take out some money for his medical bills, my name was also on the account, only to discover the money was gone. {$250000.00}! Spoke to a bank officer and was told they had flagged the account as possible elderly abuse. I informed the police that there had been fraud committed. They investigated and the caretaker was convicted of this crime. The bank 's fraud department said there was nothing they would do about it. My father had developed XXXX and was taken advantage of. I know the banks have insurance to cover these things. I have attached the bank statements to verify this, also the health proxy to my sister XXXX XXXX to prove he was not in his right mind, also a copy of the front page of newspaper showing what had occured. I can only hope that you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Struggling to pay mortgage

Complaint: OnXX/XX/XXXXThe Bank of New York filed a MOTION FOR DEFAULT against me and several other entities ( non of which reside or co-own my homestead property in Florida ). 

Since then, I have made several ignored requests for a modification, reduction in monthly payment or an opportunity to short sell. 

For clarification, my mortgage payment ( When the loan belong to Bank XXXX XXXX ) increased by {$1200.00} for lender placed insurance inadvertently placed on my account because at the time I had coverage. XXXX My payment went from {$1600.00} to {$2900.00} ) To avoid foreclosure I was approved for a grant ( XXXX XXXX XXXX ) that paid the escalated about for 8 months, during which I hoped I would be granted a modification or the ability to short sell. 

I do n't believe The XXXX XXXX XXXX XXXX is giving me a fair opportunity to keep my home.

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 04-06-2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have disputed a medical bill because they will not provide the details of the bill or any information of the bill. I see that it was removed from my XXXX credit report but continues on my XXXX report. I would like it removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have never been late on my credit card payment. I did not receive any documents and sure would not have been late on {$6.00} The rest is service charge for late payment. I received no statement for this purchase and have never been late paying.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.

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 05/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am very sorry to make another formal complaint against members of the Navient 's collection department but they are quite disrespectful towards me when I make a payment. Consumer service reps including XXXX and XXXX was very disrespectful. XXXX did not understand proper XXXX and talked very disrespectfully towards me. Meanwhile, XXXX seem to have a problem with me on a personal level. However, supervisor XXXX XXXX openly stated that he would go to bat for his employees despite their disrespectful statements because he did not believe they were in the wrong XXXX XXXX was openly trying to gaslight me as woman and trying to talk over me. He openly expressed that he felt that I was problematic for standing up against his disrespectful staff. I felt that dogs respond better to my questions than most of the staff at Navient. Personally, it seems like many people inside of the Navient 's collections department do not want me to make payments towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION FAIED TO REMOVE HARD INQUIRIES THAT I DIDN ; T WRITTEN AUTHORIZATION BEY ME. 
PLEASE REMOVE THE FOLLWING : XXXX XXXX DATED XXXX/XXXX/XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX DUPLICATE SOL EXPIRED

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History 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