milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (AL).
Issue: Taking out the loan or lease

Complaint: I made a {$25.00} purchase on my Belk card in XXXX. In XXXX I sent a check with the bill for that amount. The next bill had a late fee of {$35.00} added. I have called but they keep adding late fees and are now compounding interest. Is this even legal? I would never have used the card if I knew they could do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (AZ).
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: Three times I have submitted requests to the 3 individual credit bureaus as well as ACS Education Services requesting the inaccurate reporting of the late payments in XX/XX/XXXX & XX/XX/XXXX to be removed for all 4 of my federal loans with acct numbers XXXX, XXXX, XXXX, & XXXX. <P/>The agency reported a timely payment in XX/XX/XXXX, 60 days late XX/XX/XXXX, & 90 days late XX/XX/XXXX for all my accounts. During this time I was struggling with the company to approve my IBR. OnXX/XX/XXXX I spoke to agent # XXXX with ACS who retro-acted my deferment to XX/XX/XXXX to be active until XXXX. I followed up onXX/XX/XXXX, to ensure my account was current was spoke to a man, XXXX, @ XXXX XXXX ( MST ) who stated I was in deferment with a bal of {$0.00} since XX/XX/XXXX. <P/>Every time I have requested the inaccurate reportings be corrected ACS places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: To whom it may concern : Allied Interstate is attempting to collect a debt that was included in the bankruptcy which was discharged XXXX/XXXX/2015. This is the second time that a collection company is attempting to collect this debt for XXXX. 

About a month ago, I filed a complaint against Allied in XXXX XXXX, Nevada who even reported me to the credit bureau causing my score to plummet XXXX points. Because of the CFPB, Allied removed it from my credit report, however, the score never fully recovered. 

This is harassment that I am getting 'bounced around ' from XXXX collection agency to the next. Attached is the letter they sent me. I spoke with XXXX and XXXX yesterday regarding the bankruptcy. I hope this is the final letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (SD).
Issue: Trouble during payment process

Complaint: OnXX/XX/2018 I received a call at XXXX XXXX. US Bank called me. I answered the phone the caller stated her name and asked for the name she was calling for. I asked her to identify the name of the company she was calling for. She evaded the question. I informed her per cfpb when you are making an outbound call and the person who answers asks you to identify your company name you are required to do so. She refused. We went in circles for 2m and 32sec all the while her harassing me trying to trick me into stating my name or verify I was who she was calling. I repeatedly told her she was in violation of cfpb and eventually she just hung up on me. I XXXX the number she was calling from and found it to be US Bank I called them and went around and around with them for 26 minutes. They didn't seem to care they were in violation of cfpb requirements. I just called and verified they did not have my number marked as dnc as per my request onXX/XX/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 non-monetary relief
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector continues to call my in laws over a debt. I have never lived with my in laws nor ever given out their number and they have nothing to do with the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Private student loan debt) with Lockhart, Morris & Montgomery Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ). 
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ). 
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: COMPUTER SCAM EVENT I was working on my desktop computer when a pop-up SECURITY ALERT took over control of my monitor!! The ALERT stated that the computer was infected with a XXXX virus [ this was the first LIE in this drama ] and I must call the phone number displayed in the alert to have it removed ( there was no way to remove the alert my computer was frozen ). It further stated that if I shutdown the computer, the security team would take control of the computer to keep the virus from infecting their system. I complied and called the toll free number. The person who answered the phone identified himself as XXXX and his security firm, XXXX ( he mentioned they were similar to the Best Buy firm XXXX XXXX who I am familiar with ) was working for XXXX as internet security contractors [ this was the second LIE in this drama ], He told me he would have to gain access to my computer to be able to scan the hard drive and remove the virus and repair any other illicit issues. There would be a fee for this service ( I think he mentioned {$99.00} ). I agreed and he took control of the computer. Scans appeared to be taking place and then terminated XXXX came back on the line and said that the virus had been removed and some other repairs had been made as well [ this was the third LIE as I later found out there never was a XXXX virus to begin with!! ]. He went on to say that his firm provided computer security protection/repair for $ XXXX/year for as many devices as were located at my address, but went on to offer security protection for two years for only an additional {$100.00}. This is how the credit card FRAUD/SCAM charge appeared in the amount of {$210.00} on my Citi Card. Just before terminating the phone conversation, XXXX said to me ; dont bother calling XXXX as they dont want to be bothered with issues their contractors deal with. It was this statement that piqued alarm bells and caused me to call my son-in-law who is an IT supervisor with XXXX XXXX XXXX in XXXX. CA. He told me ; XXXX, you have been SCAMMED!! get your computer to Best Buys XXXX XXXX as soon as possible theres no telling what the Scammers may have done to your equipment!!.

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 08/16/2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Closing on a mortgage

Complaint: I few weeks ago I was in discussion with a couple of my friends and related that I thought that I had been treated a little unfairly by my HAMP mortgage holder, Specialized Loan Servicing. They told me about Consumer Financial Protection Bureau and that you help and protect consumers who may have a disagreement with their financial institutions. So I have decided to contact you. In XX/XX/XXXX I applied to XXXX XXXX for a HAMP loan which was completed and sent to the bank. On XX/XX/XXXX I faxed an appeal to XXXX relating that I had misunderstood the directions on the Hamp application. I had checked off both owner-occupied and second home which I should not have. I 'm the sole owner of the HAMP property ( located at XXXX XXXX, MD ) and co-owner of another condo and my mindset was in order to be as thorough and honest as possible with information, I somehow had to show both properties. My mistake in not fully understanding the HAMP form requirements. I explained that I spend 4 to 5 days a week or more at the XXXX XXXX property. I have XXXX XXXX and have had a XXXX XXXX XXXX, the salt air at XXXX XXXX is beneficial and therapeutic for my medical well being and my occupation allows me the benefit of being able to work during my time there. Therefore under HAMP rules this should be considered a primary residence. I have attached that appeal and the related Hamp application. Reason number one is the item in question and reason for this correspondence to CFPB, reason number 2 has been resolved with the bank. I then called XXXX to inquiry about my appeal, they said that the loan had been sold to Specialized Loan Servicing ( SLS ) and I would have to take up the situation and appeal with them when the loan is fully transferred. When I received official notification of the transfer, I then faxed the same appeal documents to SLS. I then later asked SLS about the status of my appeal and was send a letter of denial on XX/XX/XXXX. The letter indicated that my original appeal with XXXX had been denied and SLS was holding to that decision. But that was not truthful and very discerning because of my knowledge of my prior conversation with XXXX and the fact that I never received a letter of denial from XXXX. Please keep in mind that my loan was still in process and not completed or approved as yet, letter is attached. The consequence of all this is that the {$82000.00} principal was deferred rather than forgiven based on my application error which I attempted to correct very early in the approval process. My husband and I are both on social security and I believe that I am rightly deserving of a reversal of SLSs decision. I understand SLSs desire to keep the money in deferred status for financial reasons but my understanding is that HAMP was created to assist the borrower not the banks. I give my permission for XXXX XXXX, my husband, to ask and answer any questions in this matter. Thank you, XXXX XXXX XXXX SLS Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with Linear Title & Closing, Ltd (CO).
Issue: Deposits and withdrawals

Complaint: We are attempting to purchase a home using cash in which the deed is currently held by Linear Title of Middleton, RI. We have been under contract since XXXX XXXX and have been mislead by this company from day XXXX. We believe that there are some serious legality issues with how they list their properties. After reading reviews about this company online, it sounds like they are notorious for listing properties which they currently have no legal claim to ; basically they put these properties on the market before they have obtained proper ownership, and therefore have no legal claim to yet sell that real property. This causes the consumer to have extremely long closings that never should have happened if Linear would follow laws and guidelines stipulating when they can legally list properties for sale. We are now 2 months into closing, and there is no end in sight. It does n't appear Linear has done anything on this file and they have now stopped responding to emails, giving us any kind of update, or even providing me with the contact info of the foreclosure attorney handling our case so that I can reach out to determine when this will be finalized. I have had over $ XXXX cash wrapped up in earnest money for 2 months now that is just sitting in limbo as it appears nothing is happening with this file. It is completely unacceptable, and illegal, how this company conducts business. I can no longer afford to have that money out of my reach, this should have been resolved weeks ago. We have documented everything including contracts and emails stating timelines that were never followed. I 'd be curious to see if Linear Title actually held the deed to this house on XXXX XXXX, 2016 when we first went under contract. When dealing with something as important as a home purchase, I would certainly expect complete transparency and honesty from the title company ; they 're dealing with people 's livelihood 's and it 's an embarrassment how poorly they 've conducted themselves through this transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by " XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from " XXXX '' but the denial letter. In fact I just received another letter from " XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX, but I am still waiting for the denial letter. I wonder why I still do n't receive it ... I guess it got stuck in traffic. Helping me keep my house is not in the bank interest. It 's more profitable to sell the property. These guys were bailed out by the government. They should return the same favor to desperate homeowners. I am not asking for a free house.I have a steady job. All I asked is an affordable payment plan. But it 's impossible for BOA and XXXX XXXX XXXX to provide such help. BECAUSE I COULD NOT COME UP WITH {$56000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: case # XXXX previous dispute ( see attach ) was delete when I receive the email from cfpb and 1 day later the put it again???

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 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I can not get my payment low enough to be realistic no matter what type of repayment plan i select. I make just about XXXX a year and when I choose income driven plan they are expecting me to pay ~XXXX a month. This doesnt factor in my other types of loans. After taxes i take home about XXXX a month .. XXXX goes to rent. XXXX to car payment. XXXX to car insurance. Then I have to add in healthcare cost, utilities and just simply being able to FEED myself Ive bene struggling with these loans since I first graduated and no matter what I do they come back with some outrageous number they want me to pay a month that I simply can not afford. Their response to this is to suggest deferment .. which only ends up increasing the loan balance. They 've already wreaked havok on my credit score. I just really do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with DISCOVER BANK (KY).
Issue: Other

Complaint: I ordered face cream from advertisement on XXXX. It said there was just a small shipping fee. On my phone, thats all I saw. If there was anything else it was n't viewable on the screen. When I got the packing list, it said nothing about the reoccurring payment. It had no name, address, phone number or email address to contact the company. I never received an email from these people for a confirmation or that I would be billed anything additional. 
They billed it through XXXX place when they shipped it, another when they charged me the XXXX, then when I disputed the charge, there was another name, then when I finally got a phone number for them - they gave another name and address. That sounds like a shell game. I have the info from Discover credit card, and the packing slip, and then when I contacted Discover, THEN I got an email cancelling the reoccurring billing!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NV).
Issue: Money was not available when promised

Complaint: I completed a bank wire on X/X/17 to XXXX ( Coinbase Inc. ) in the amount of {$19000.00} ( transaction # XXXX ) via the companies instructions so I could get same day deposit as advertised on their website. Since I missed the timeframe listed ( XXXX PST ), I should have seen the deposit to my account the following day. There was no deposit on XX/XX/XXXX or today, XX/XX/XXXX. I have sent 3 emails to support asking for further information or confirmation and have received no replies. I then proceeded to do more research online only to find dozens and dozens of others experiencing the same problem, some stating that they 've been waiting weeks for their deposit. There were few who stated that their issue had been resolved. I do not know if they are defrauding people out of their money or having legitimate service issues, but if they are, this should be noted on their website so people like myself can make a decision to not initiate the transfer in the first place. I was not looking to have my funds tied up for any amount of time, and these delays could be costing me real money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Delinquent account

Complaint: Capital One has reported both of my cards as 30 days late. This information is not correct, the minimum payments were made that should have kept the account from being reported 30 days late. I believe it was in XXXX when I spoke with someone with capital one that advised that I could make the payment of {$25.00} on an arrangement that would not cause any late fees or derogatory marks on my credit. I have worked hard to maintain good payment history with Capital One.

Company response to consumer: Closed with explanation