milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX sent, via regular mail, without my signature required, a NOTICE OF INTENTION TO FILE A LAWSUIT pursuant to Civil Code Procedure 1033 ( b ) ( 2 ) in a Supreme Court for a debt of {$950.00} with a date of default of XXXX/XXXX/XXXX in correspondence under California Law. 

I called the company and only received voice recordings. On XXXX XXXX, XXXX, I spoke with a customer service representative from The Offices of XXXX & XXXX : I indicated I disputed a previous debt with the fraudulent creditor - Cash Central. The Office of Attorney General was contacted regarding this matter. 

On XXXX XXXX, XXXX, I requested written verification of this debt, which The Offices of XXXX & XXXX could not provide, and I indicated a previous dispute of this debt, fraudulent debt, and unfair debt collection practice - past the statute of limitations in the state of California, as they are operating under California Law, and past the statute of limitations for my state of Pennsylvania. The customer service representative refused to be of assistance, yelled at me, and attempted to dominate the conversation. 

No information that was correct could be provided to me verbally or in writing. I stated I am disputing this debt for the second time, and I am filing a consumer complaint with the California Attorney General. I completed this Attorney General Complaint and sent it to the Attorney General, as well as XXXX XXXX XXXX XXXX XXXX XXXX. They were also emailed about the dispute. 

I have written documentation of all the above information sent to this debt collection agency and Attorney General. This debt collector and creditor - Cash Central - need investigated for fraud and unfair debt collection practices. 

Investigation needed on both entities below regarding the above matter : Cash Central Represented By : The Offices of XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA 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
Consumer complaint received 01/27/2016 about Bank account or service (Other bank product/service) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problems caused by my funds being low

Complaint: I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional fixed mortgage) with FIRST GUARANTY MORTGAGE CORP (VA).
Issue: Settlement process and costs

Complaint: Refinance transaction with XXXX started on XXXX/XXXX/2016 with rate lock at 3.25 % followed by document submission and appraisal. Good mortgage failed to properly disclose timeline throughout the process, mandated a close on XXXX/XXXX/2016 without providing closing documents to borrower with adequate time to review ( less than 4 hours ), continuously changed closing amount, refused to close in XXXX because it would have " more work for them '' and used pressure sales tactics throughout.

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please be advised, it has been over a year that i have tried to work with both credit bureaus Experian and XXXX and XXXX XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!!
<P/>I have awaited a year!!!

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 12-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: RE : BLUEBIRD ACCOUNT XXXX {$210.00} in stolen credit card charges I am writing to you for your assistance to settle a dispute with a stolen America Express Bluebird credit card. On XX/XX/2016 I received a text message from AmericaN Express Bluebird that my account is now at {$0.00}. I had {$210.00} balance on the card prior to this email that I received at XXXX. There were XXXX charges made on XX/XX/2016 at the XXXX XXXX XXXX XXXX by XXXX XXXX, California. I live in XXXX XXXX and upon receipt of the email from AMEX I logged on to my AMEX account I went online and saw the XXXX charges that were made between XXXX-XXXX. I received the email at XXXX, I called from my house in XXXX XXXX and called AMEX and called your payment processing center. I told them not to pay since these were fraudlent charges. They said it was pending and I had to wait until it was posted. 

I had called AmericaN Express Bluebird to request a new card since my card strip was worn from using it frequently. I never received that replacement card. Amex called me on XX/XX/2016 and said they contacted XXXX XXXX XXXX XXXX and said the charges were valid. There is no way I can travel from XXXX XXXX to XXXX XXXX in 1 minute. I asked for someone to pull the tapes and I can send my photo to prove that was not me making the purchases. I also said when I was calling AMEX they can call me back at work to prove I was in XXXX XXXX at XXXX on XX/XX/2016. 

Amex said that based on XXXX notification, they denied the dispute of my charges and closed my account. They said there was nothing they can do since XXXX said the charges were valid. I wanted to explain my case I wanted to XXXX to have someone just pull the tapes so I can verify that was not me making those purchases. The total of the XXXX charges total {$210.00}. I have already filed a police report with the City of XXXX XXXX and the USPS both reports are attached to this letter. American Express Bluebird did nothing after I immediately notified them of the fraud charges. Since this was a prepaid account they are not out the money but the consumer me is out {$210.00}. American Express Bluebird has a obligation to the consumer when properly notified to reverse the charges and to fight for the cardholders funds back which they failed to do. 

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Since its inceptionI have been cheated by Option One, AHMSI, Homeward residential and ultimately By Ocwen, I even HAd XXXX of AHMSI employees XXXX XXXX admit I was defrauded after he viewed XXXX different mortgage analyst look at my info and they both came up with conflicting views even though they both worked for AHMSI.Curently Ocwen has refused to give me a modification always requesting the same info even though it was faxed on numerous ocassions and even mailed, See document for fax log and you will see large amount of faxes going to a XXXX exchange in XXXX and XXXX showing the info did get to them

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: J.P. Morgan Chase provided out of date information regarding refunds on upfront mortgage insurance in regards to my FHA loan. The FHA Homeowners Fact Sheet paperwork they send is over 14 years old ( XX/XX/XXXX ) and the current version that includes the update to the eligibility for a refund of upfront PMI costs was updated in XX/XX/XXXX. Due to the fact that they did not provide accurate information I was left believing that I could get a refund of my upfront premiums if I refinanced to a conventional loan within the allotted time period. I even tried to refinance through them, but due to a horrible customer experience I ended up refinancing with another lender, and this makes me even more happy that I did. The update in XX/XX/XXXX only allows a refund now if you refinance into another FHA loan ... thanks for nothing Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
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: Hello, I submitted a complaint # XXXX. Citi bank just added the charge back onto my card. There was no explanation. I did not use this company or their services as you can see on my history. They almost doubled my charges 3 days before the move so I cancelled the move. 
I would greatly appreciate your assistance with this. 

Thank you, 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
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original Creditor Name XXXX is incorrect as I have never signed an application with any company named XXXX, There was an account I paid off that was a XXXX account it was posted on the XXXX account as AFNI and then as XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to AFNI Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX American Express had a promotion that stated if you get an XXXX XXXX XXXX XXXX and spend {$3000.00} in the first 90 days they wouldcredit your XXXX XXXX account with XXXX XXXX XXXX bonus points. I applied and received the card and met the spendingf threshold on XX/XX/XXXX. 

I contacted AE on XX/XX/XXXX as it had been 8 weeks sincemeeting the threshold and enquired why my points had not been credited to my XXXX account. I was informed I had to wait 6-8 weeks before it was credited. AE told me that they had opened an internal investigation and that I would have to wait anothe 6-8 weeks for the investigation to be conducted. on XX/XX/XXXX I contacted them again and they told me it was being investigated. On XX/XX/XXXX I contacted them again and now was tols 7 - 8 weeks for the investigation.On XX/XX/XXXX I contacted them and AE told me that the " specialists '' had identified the problem and that my XXXX points will be credited " some time in XX/XX/XXXX ''. On XX/XX/XXXX I contacted them again and was told that I will received the bonus points " sometime in XX/XX/XXXX ''. On XX/XX/XXXX still no points and still getting the run arround from American Express. They are still not providing me the promised points and still not providing me with an outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc is 30 days behind on mortgage payoffs. Requests have been made by myself ( via phone and their website on XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15 ) and by the title company doing our closing ( I do not have the dates they requested payoff ). Website states 3 days for payoff, phone states XXXX to XXXX days but when I spoke to a representative today, he stated they are at least 30 days behind, as a result we can not close on the house and the buyers may back out. Multiple websites reflect poor reviews on payoff requests. On top of that Seterus is a debt collector, not a mortgage servicer and they treat you as such regardless if you make your payment on time and pay more than what is required. By far the worst company XXXX could have chosen to service their loans!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a Wells Fargo checking account on XXXX XXXX which had {$250.00} signup bonus. " We 're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XXXX XXXX, XXXX. '' I was eligable for the bonus and was informed that bonus will be applied to my account " Status : Your application has been approved, and your new account is eligible to receive a bonus offer '' I Deadline for opening account to receive bonus was XXXX XXXX. I opened and met terms of account on XXXX XXXX. Made initial deposit of {$50.00}, which was {$25.00} more than required. Wells Fargo refuses to pay {$250.00} bonus per advertisement of signup. I informed them of meeting the deadline and terms and company refuses to issue bonus. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to 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 02-09-2018 about Debt collection (Other debt) with Ability Recovery Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. 
Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. 
I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXReceived a house that I had been paying on since XXXX in a divorce, XXXX. The loan was sold in XXXX XXXX to Select Portfolio Servicing Inc with payments to begin in XXXX XXXX to them. The escrow for taxes and insurance was transferred to them at that time from XXXX. I made a payment in XXXX, XXXX and XXXX. The house was put on the market at the end of XXXX. The insurance was paid with escrow funds and the policy began XXXX XXXX. I sold the house XXXX XXXX XXXX. 
I contacted the insurance company and they told me they are required by law to refund the monies to the mortgage company but that I would receive a refund from SPS, Inc. 
I have contacted them multiple times as has my ex-husband for a XXXX for me as well as my refund. 
The last correspondence they were to fax the XXXX and send the refund. 
I have received neither. 
The loan is in the name of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Can't contact lender

Complaint: They had me pay XXXX installment to assure I would pay them, but and then I would get the Loan plus get my XXXX reemburst but I never did

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Trouble during payment process

Complaint: On  X/XX/2017   , I lodged complaint no.  XXXX  regarding  Specialized Loan Servicing 's misappropriation of funds from my property tax escrow account in or der to disburse insurance premiu ms to ( 1 ) an insurer whose policy I intended to let expire and ( 2 ) a replacement insurance policy which I had already paid. Specialized persists in demanding that I repay the escrow shortage created by their error. I will attach to this complaint a copy of a letter I mailed to Specialized today detailing my efforts to have them rectify their error.

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

Complaint: Equifax mishandled my information, which has led to a breach that puts me and millions of others at risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no E-mail, letter, or phone call, and instead had to discover it via social media.

Company response to consumer: Closed with explanation