milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX , they had begun to chagrining me all kind of elaborate amounts for billing, every bill was more the he last amount. I called almost every month trying to get some resolution to the billing. They would say the are correcting it  to one amount but  they never did the next month it was worse. I have asked to speak with supervisors and management its always they will call me back but I never got a call. They would call my sons numbers on the account but would never call me even after they were given my number to call. In  XXXX   XXXX  I decided to just pay the equipment amount and take my numbers off as well as pay the phone bill. The phone rep  XXXX  agreed that it would be ok, so I pay what was due plus the equipment, I was suppose to have  XXXX  more bill it was back to  XXXX  dollars and they used the  XXXX  dollars I paid to pay off the phone amount they say I accumulated. But it did not work so finally I had it down to  XXXX  phone number in  XXXX  and they continued to bill over, I removed all phone numbers, by this time I owed  XXXX  dollars, outrageous. Then in  XXXX   XXXX  a collection agency called convergent sent me a bill for  XXXX , I agreed to pay off because I am so tired of them but the amount kept increasing and I canceled the phones. Forward to now  XXXX   XXXX , the bill is now  XXXX  dollars and they have placed it on my credit report when I have been in contact with them for a dispute about the enormous amount.

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 08-03-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: The lender failed to comply with Regulation X, 12 C.F.R. 1024.39 ( a ) by failing to make live contact with XXXX XXXX prior to referring his loan for foreclosure. It is further alleged that the lender failed to send the Post-Foreclosure Referral Notice required by Section 12 C.F.R. 1024.39 ( b ). - There were also no  notices received by XXXX XXXX stating that the BK he filed had been dismissed and a foreclosure sale was set on the property. We have requested the rescission of this foreclosure action and the review of a loan modification to take place based on an improper Foreclosure action that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (I do not know) with Performant Financial Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was called at about XXXX XXXX today, XXXX/XXXX/XXXX, regarding a XXXX XXXX account issued by Comenity Bank. I told the phone rep that I was woken from a dead sleep, confused, did n't understand what she was saying, and asked to be called again in an hour. She refused. 

Looking on their web site later, it appears that the bank alleges I paid the balance of {$57.00} in full on XX/XX/XXXX, four days after the late fee date of XX/XX/XXXX. My memory is of paying the full amount, in person, at the store. So there should not be a continual series of escalating late fees. I 'm not making a legal argument, but from a common sense viewpoint this is usury. 

I believe I did make a compromise offer on the phone this morning, as did the telephone representative, but we did reach agreement on an amount. And this was after I had said I was tired and confused and did not understand. So even though I stated, on a recorded call, my compromise offer, I do n't think that should be the starting point for any future negotiation. Instead, the bank should apologize for waking me and close my account as of when I paid the then-communicated-to-me full balance of {$57.00}, since I have made no further charges. 

I asked the phone rep to close my account this morning. The rep refused on grounds that they wanted to continue to add to the late fees. After the call, we went on the web site and confirmed the account is still open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Today XXXX/XXXX/2015 at XXXX, a representative from Chase Mortgage called and demanded mortgage payments. We discussed that the house is vacant and that I called their office to ask for foreclosure due to my husband 's XXXX. After much discussion, I agreed to try and see if I can do a deed in lieu, that he will send out a representative to see me to help. But toward the end of the conversation, he verbalized that the late payments will be reported to the credit bureaus and the most concerning part is that apparently my mortgage had been reaffirmed. To my knowledge and my atty 's advise, we did not reaffirm our house at all. But the representative insist that I did. I asked him to send me a copy of the said reaffirmation but he wont.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with TMX Finance LLC (GA).
Issue: Managing the loan or lease

Complaint: When making payments they are adding interest back on balance which is n't bringing the balance down. When I confronted them they it was their normal accounting procedures. I do n't see how a loan can get paid down if interest is added back to balance each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Managing the loan or lease

Complaint: Payment on credit report states 30day late payment month of XXXX car note payment was XXXX wrote check out for XXXXdoll wrote letter to company that rest of amount be sent next paycheck in 2wks within that time report of 30day late payment was posted lowered credit score that why sent in XXXXdoll an letter in response to avoid that

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XX/XX/XXXX  I called  Chase  customer service to check on my account and get log in information as I had not logged into my account in years. I spoke to several agents and explained to them that I do not have my username or password or credit card account number as I had not had this information since the last time I was able to log into my account which was in  XX/XX/XXXX . They kept telling me that I need to speak to a specialist to give me a code in order to log in, after being transferred and in frustration explaining the situation to at least 4 different agents none of which could help me log back into my account, I was told that my account was past due and I have late charges exceeding {$170.00} and it was not clear to me how much my monthly balances were as they told me several different amounts all exceeding {$100.00} a month. I asked why as I was told my minimum payment amount would be {$50.00} every month ( my credit card balance is about {$2000.00} ) and all they said was that I had a past due amount in  XX/XX/XXXX  which I paid and cleared up all extra fees and was then told the minimum fee would continue to be {$50.00} stated clearly by the agent. They did not inform me in any way or in writing that my monthly minimum amount due would be raised nor that I would be charged extra fees and I continued paying {$50.00} every month unaware of all these extra charges. I explained to several Chase supervisors that they should have informed me of these charges to which they answered that they sent me emails to the account in which none of the representatives ( conveniently so that I could not see my account to dispute this in my opinion ) could help me log into. They also stated that they sent me letters to my home which were never sent nor received. This is clearly a matter of deceiving the debt payer to continue paying fees and late charges unknowingly for as long as possible. I demand to see statements of what I have been paying for over 6 years and a statement of all the fees and charges in detailed explanation as well as certified receipts of letters that Chase has sent to me informing me of my " late fees and all other charges '' not related to my payoff amount otherwise I will not be sending my hard earned money paying off " late fee '' scams and new minimum monthly amounts that  Chase  raises without notifying the payee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with BB&T CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I paid {$60.00} to open a bank account online with BB & T. I got an email, after they took my {$60.00} and all my information, stating that I needed to go to the office and verify my address. They made me pay {$50.00} more to open another account because they could not find the account I opened online with the {$60.00}. They said that it is XXXX fault and not theirs. I have talked to the manager at the BB & T in XXXX, AL and talked to the lady who opened my XXXX account named XXXX XXXX. She says over and over that it was not {$60.00} but {$50.00} and that she has sent a fax to regions bank. XXXX XXXX has been very rude to me and probably because I 'm on XXXX. She now says I have to call her back regarding an issue she has with me. I 'm just going to change banks but I need the {$60.00} that was taken from the XXXX XXXX account before I leave. Please help me!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take the proper precautions when storing consumer information, then waited six weeks after discovering the hack before informing the public. According to Equifax, I may have been affected by the incident. Equifax may have exposed my social security number, driver 's license number, and many other pieces of personally identifiable information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted several disputes about the current payment status of " XXXX or more past due '' on XXXX accounts with Equifax and they always come back as confirmed with creditor. The XXXX account was settled in 2012, and the XXXX XXXX XXXX account was transferred over a year ago. XXXX creditors say the status is incorrect but they can not change it. How can accounts be closed with zero balance and also be 120+ days past due at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: The loan payment is due each month on the XXXX and the loan is interest free for 12 months. The loan was for XXXX XXXX XXXX. If payment due on a Sunday I pay the amount by phone on Monday, they charge me {$37.00} late fee! I tried paying online and there is no opportunity to do so! I called twice and was told if not paid exactly on the XXXX, I will be charged a fee. Please help, I have had credit since a young woman and never heard of anything like this before!

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 monetary relief
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint against Trans Union because Trans Union has ignored my request for them to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Trans Union is required to " ... promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your help.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home loan at Bank Of America in XXXX, NC on XXXX XXXX. 
I provided insurance information and agent contact information on the XXXX unit condominium complex on XXXX XXXX. Closing documents were sent to me on XXXX XXXX for a closing date of XXXX XXXX XXXX XXXX XXXX. I learned that BAC did not want a coinsurance clause in the policy. Evidence of adequate replacement insurance was provided to XXXX but I was told on XXXX XXXX that the loan was not approved. Even if the criteria was valid, it was unfair to continue the loan process for 1.5 months and finally cite criteria that could have been known at the start. In that time period rates climbed 1.25 percent and my interest charges are significantly higher with the loan I received at another bank at a XXXX XXXX closing.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XXXX XXXX, 2017 I sent a certified letter to Equifax asking them to investigate and validate the following two accounts on my credit report. 
XXXX XXXX XXXX XXXX Equifax sent letters back saying they were verified. I sent another certified letter on XXXX XXXX, 2017 for XXXX XXXX and on XXXX XXXX, 2017, for XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. On XXXX XXXX, 2017 I received a letter saying the same thing for XXXX XXXX verified. On XXXX XXXX, 2017 I received another letter saying verified for XXXX XXXX. 

This is a violation of the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The contractor hired to repair collapsed deck cashed the {$7800.00}. insurance check issued by Ocwen Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX Fl XXXX in XXXX, 2013. I have obtained a Judgement against the contractor, XXXX XXXX XXXX, and my lawyer needs a copy of the cancelled check in order to enforce the judgement. After multiple requests over MANY months, Ocwen has failed to supply me with the documentation I need to pursue the judgement and recover the funds the contractor stole.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: U.S Postal Certified Mail No : XXXX, FL XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. P A XXXXXXXX, 2015RE : XXXXREQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Florida Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.

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 08/13/2017 about Debt collection (Private student loan debt) with Pressler & Pressler, LLP (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Pressler & pressler sent there first letter to me on XXXX XXXX,2017 then another on X/XX/17. Then on XXXX XXXX 2017 i recived a court letter said that i am being sued. For a full amount of XXXX. my concern is this debt is for XXXX college of XXXX which I attended years ago when i was XXXX yrs ago. It ended up being a BUG waste of my time & XXXX  actually ended up going out of business. Now i know my intial loans are with XXXX XXXX XXXX XXXX which i think are federal. Which is who i thought i owed & i speak with them & maintain my balance with as much as possible. Im am now XXXX yrs old which a XXXX yr old daughter jus got another apt & am trying to do the best i can as a mother to my child. Now as for this XXXX debt they want from me, i find unfair because they jus recently contacted me this year & its like they came out the blue. I did some research & found out that pressler & pressler have been sued before for wrongfully harrasing people & they lost. Ultimately having to pay XXXX XXXX XXXX. & this happen more then once. Why are they still able to sue people with bery little information about the situation & why the person owes money & how old the debt is. Is there a statue of limitations? I can ensue? I dont wana lose all my hard earned money to them over a debt that im already paying to another institution. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Arbitration

Complaint: Citibank has refused my timely request to opt out of the company 's new arbitration provision. Citibank lied about the date of my request. Certified Mail tracking proves that it was not only postmarked, but even received, before the postmark deadline. I believe that Citibank is expecting customers not to notice or question the imposition of arbitration. 

By way of background, I have been a Citibank credit card customer for 21 years, have never missed a payment, and have always maintained a high credit score. My account is in good standing and no disputes are pending. 

Facts, in chronological order : XXXX XXXX, 2015 : Citibank announces the proposed arbitration provision and the opt-out process. " You can reject the change to arbitration by writing to us ... Your letter must be postmarked on or before XXXX/XXXX/2015. We will not close your account ... '' Letter attached. 

XXXX XXXX, 2015 : I mail my opt-out request, XXXX XXXX, Certified, postage-paid. Letter and postmarked Certified Mail receipt attached. 

XXXX XXXX, 2015 : Citibank receives my letter, before even the postmark deadline. United States Postal Service tracking results attached. 

XXXX XXXX, 2015 : Citibank refuses my arbitration opt-out request. Citibank falsely claims that " you did n't mail your preference to opt out by the deadline we established. '' Letter attached. 

XXXX XXXX, 2015 : I file the present complaint with the Consumer Financial Protection Bureau and mail copies of the complaint and of the documents mentioned above to Citibank.

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