milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2015 about Debt collection (I do not know) with Direct Recovery Services, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Good Afternoon, I received a call from someone named " XXXX XXXX XXXX, from the offices of XXXX XXXX '', not mentioning my name in the voicemail, and threatening legal action for something without giving any details on the creditor or leaving his phone number. 
I called the number back, and it went to a " XXXX ''. This is seemingly a false attempt to obtain my financial information, money, or other personal data. I looked up this number and found other complaints against this same individual. Thank you. 
Number : ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 03-06-2018 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XX/XX/XXXX Federal Income Tax Refund taken from XXXX XXXX although I am in a Loan Rehabilitation Program with XXXX. 

I received a letter today, XX/XX/XXXX, supposedly from The US Department of Treasury/US Department of Education stating my Federal Income Tax was taken for unpaid Student Loans. When I called the number listed ( XXXX ) I was redirected to Coast Professional, a fraudulent Debt Collection Agency that does not answer their phones nor do they set up repayment plans. This year they are located in New York, last year they were located in California. 

My Income Tax Refund was taken last year from a similar fraudulent agency. I reported Coast Professional last year and nothing was done to correct the problem. Months ago, I signed on with XXXX for a Student Loan Rehabilitation Program since the were able to substantiate the debt and actually answered phone calls in addition to returning phone calls. Since then my account has been deducted monthly with a payment I can actually afford. 

Imagine my dismay and disgust when I received another letter from the US Department of Treasury/US Department of Education telling me my Income Tax Refund has been taken by a company that does not answer their phones and refused to return phone calls for repayment. Except this time, the same company - '' Coast Professional '' - is not based in California as it was last year, now it is based in New York. 

After another call to " Coast Professional '' that was sent directly to voice mail, I then recalled the number listed for our fraudulent US Department of Treasury/US Department of Education. After explaining the situation to " XXXX '', I was then transferred to " Supervisor XXXX '' that was extremely rude, disrespectful and told me " Managers do not take phone calls here. '' after I told him to let me speak with his superior. 

Supervisor " XXXX '' or more rightly named " XXXX '', did not want to understand that I was already in a Loan Rehab Program with another company, that " Coast Professional '' was a fraudulent agency and that I expected better from a supposed employee of our so-called government. 

XXXX did not like it when I told him his paycheck was paid for by tax-payers. He actually stated that was not true and then disconnected the call. If these are the kind of people in charge of my personal information and are allowed to take money from me and my children, then I will never file another tax return again since obviously the government is so inept and filthy they can not help themselves and are beyond redemption. 

This year was the last chance for the US Department or Treasury and the US Department of Education. They failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: Numerous letters and appeals to SPS Servicing requesting loan modification or reduction in mortgage payment as I 'm financially strapped. They send the same paperwork repeatedly after I 've completed and faxed to them many times. They continue to say this is in process after 7 months. Calls have been placed, with the same statement of completing paperwork that was previously completed & faxed. They have my condo listed as vacant, I live here. I 've provided utility bills as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I submitted a request to have a public record removed from my credit file. It was removed and then reinserted without given me written notice of this action. This is illegal and i would like to have the record deleted permanently immediately. Notice was not given of its reinsertion so this needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.

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 11-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Confusing or missing disclosures

Complaint: On   XXXX   XXXX   XXXX     I commenced to cash my monthly  XXXX  check at Bank of America that was payable by Bank of America.   
I am not a member of Bank of American a  nd I notified the teller each month that I have no desire to open an account and that I was aware of the  XXXX  dollar non-customer charge fee.     The bank teller immediately told me that she could not cash my check, that it was no good and to return it to sender. The Bank manager reiterated what the teller had said and also stated that for confidential reasons he could not discuss the matter and repudiated policies associated with  XXXX  and human/customer rights abuse.     In the very same hour, I later incountered the same situation at another Bank o f American branch. In my desperation walked in another Bank of American branch for the third time, and my check was checked with no he sitation. This particula r Bank of American was in a different loca le as the other  XXXX , wish were close in proximity.     It is to my belief that since I was not an account holder I was denied the privilege to continue to cash my  XXXX  check at those  XXXX  branches.     I have each manager 's business card. Please investigate this matter.     Thank you in advance

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 11/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: This is very simple, but seems to be complex. I had a mortgage with Wells Fargo for 11 years, and never missed a payment. I refinanced XX/XX/XXXX, and have had this mortgage with Wells Fargo for over a year, and never missed a payment. So far, so good, right? I can not get XXXX or XXXX to reflect that the XXXX Mortgage was for 11 years ... .they show the dates, but on XXXX , neither XXXX or XXXX show 11 years credit, and that is what I need on my report ... .longevity is important to show my good history. 
Wells Fargo show the years XXXX-XXXX, but the XXXX are not showing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Progressive Management Systems collection agency reported to the  XXXX  credit bureaus that I have a debt to  XXXX   XXXX   XXXX   XXXX  opened  XXXX    XXXX  . I have never been to this medical center. There would be no reason for me to go to this medical center.I have never heard of it and I do not know where it is even located. I have and had insurance with  XXXX   XXXX  and I would only go to  XXXX   XXXX  for my medical needs.   I never received any billing from this medical center but I have a collection from this collection agency. I do not know how or why this has happened but, I have disputed this before and it was to be deleted from the credit bureaus all three.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

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 01/18/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.

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 07-01-2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Billing disputes

Complaint: XXXX XXXX has shut off all automated payment systems for its expired XXXX based cards. This means XXXX people will have late payments that they can then charge late fees and interest on. This was done without prior warning. I want XXXX XXXX to be penalized for any extra fees and interest they try to charge and for XXXX XXXX to be prevented from filing credit complaints or collecting late charges and interest on these account. In regards to questions below, I have tried contacting the company, but the systems are shutting out all XXXX card holders.

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 09/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: Chase accused me of fraud and closed my accounts in 2013. They settled the amount they say I owe with the IRS, who taxed me and counted it as income since it was a debt forgiven. However, it is reported with XXXX and they show no proof of my " fraud. '' I 'm now paying the IRS taxes on money they claim was my fraud and have still yet to prove it. I did not commit fraud and I have filed reports with XXXX and the FBI over the account activity they are blaming me for but it was not me and they have no proof. Therefore, they can not and should not be allowed to label me as fraud to XXXX and block my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Payday loan () with WLCC (MN).
Issue: Charged bank acct wrong day or amt

Complaint: On XXXX/XXXX/16 I logged in to Arrowheadadvance.com to check my payment date is it said XXXX/XXXX/16. My account was debited {$120.00} on XXXX/XXXX/16. I have already paid over {$510.00} in fees on XXXX loans. The website did n't align with the debits. Arrowheadadvance is not licensed to lend in Minnesota and is charging usury fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2015 about Credit reporting () with Collection Service of Nevada (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My husband and I pulled our Credit on XXXX, and unfortunately came across an account that has been Reporting every month the past 2 YEARS, stating we have n't paid when in fact we Paid In Full, With Cash 2 Months after the Creditor Reported it. I went to the Original Creditor XXXX, Spoke with the Manager, showed her my Paid Off Receipt from XXXX, Showed her the picture I took of My Credit Report and gave her the Collections Name : Collections Services Of Nevada & Number. She then went behind a desk for a brief moment. Came back and said she left a message but no one answered and it would n't be until Monday that We hear anything. I then left, and immediately called as I got in our car ( Hubby was driving ). I got right through to the Legal Department and Spoke with XXXX from Collection Services Of Nevada. After explaining our situation, she got ahold of XXXX who was the Representative on our account who was going to put in the XXXX for it to be deleted from XXXX of our Credit Reports. XXXX then told me that someone just called while we were on the phone and Reported that we had paid it off in full 2 years ago! She then requested She get a Fax number from us so she could send over the XXXX form right away and that she was also sending it in the mail. I went back to City of XXXX, Spoke with the XXXX and requested ALL our payment history from the past years and that I was well aware she JUST NOW REPORTED that we paid it off. I asked her several times why she lied to me and pushed me out the door. After printing all my requested information, she apologized and got teary eyed. Now I was n't looking to make this lady cry, I simply want answers as to why this was n't handled property or CORRECT 2 years ago!! I was told by XXXX from Collection Services Of Nevada that this will be handled BUT given the prior history, I DO NOT feel comfortable and need this handled as this was not right!!! Not only have we had a current Power & Electric Bill with the Creditors XXXX the past 2 years because we have to, it 's hpw our lil town has Electricity, but come to find out they NEVER reported is paying it off the past 2 years! When we messed up we had to pay them EXTRA money to get power back in our name, so what happenedS when the Original Creditor Messes up OR the Collection Agency??? We just want answers please aND Thank You! Sincerly, XXXX and XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX University XXXX XXXX has false reported to Equifax a {$0.00} charge off balance on my credit report when confirmed by a previous cfpb case that their entity was deleted XXXX XXXX, 2015 and now are illegally allegending claim once the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other service problem

Complaint: I just was needing Bank of America to speed up on my current balances etc. Thank you

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 11/23/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (WA).
Issue: Account opening, closing, or management

Complaint: I requested that my bank account with BBVA Compass be closed or at the very least frozen. I wanted to leave this bank initially because they do not have branches in my new state. 
I have been informed repeatedly that they are unable to do either because I would be required to go to a branch and get this done. This does not sound reasonable to me. They insist they have no way to honor my request without my in personal appearance period and that there is no protocol to handle customers who move to a state where there are no branches of their bank. 
Having traveled alot in my life and have held many bank accounts in many states where I was able to close my accounts remotely these answers seem very odd to me. Infact, sound flawed or at least completely wrong. I have requested to speak to the Branch Manager in California where the account was opened but have never warranted a transfer to her extension. 
Please help me get my accounts closed with them. They refuse to honor my request. I have offered to send them a notarized statement ... they say they will not accept it. I have offered to establish a POA with my sister to close this account ... they say I need to be there to submit the POA. I can not win because these people are not practicing ethical banking. Please help me rid myself from them before they completely tank my credit. At this moment they are continuing to charge me bank fees. I will not put any money in their accounts because of their excessive fees and weird posting practices. Now they have me in a negative cycle where they continue to charge me for being over drawn for a particular period ... it could be an every day charge or every 3 day charge I am not certain. I can not look at my account any more I am so disgusted that they have trapped me and are killing my financial health during a time in my life where I really need my good credit history to shine. 
This concerns a checking and savings account. Please note : I could only choose one in the drop down. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Previous complaint number XXXX, I submitted a complaint on XXXX/XXXX/2016 stating that I submitted a payment via epay. I have spoke to SEVERAL not helpful service agents. Supervisors XXXX and XXXX both were not helpful at all and never escalated my issue. XXXX finally listened, escalated the issue and my payment was found ( misapplied to another account ) and posted to my account. The payment is held now in an unapplied status and not posted to any monthly payment. It is just sitting there since XXXX/XXXX/2016, although Ditech responded to my original complaint this issue is not yet resolved. The unapplied status has been ongoing since XXXX/XXXX/2016, XXXX is aware and have escalated but the payment is still not applied and on XXXX/XXXX/2016 I will be again assessed another late fee. How is this happening and how is Ditech getting away with it. I work in the " Securities ' industry and the regulations would not allow for any of this without someone being called to the carpet and held responsible for the flurry of misapplied funds. I need this resolved .... Please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief