milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (NV).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Bought a prepaid visa card at the local supermarket. Card was compromised and US Bank reps ( phone # on card ) are indefinitely delaying a fraud investigation ( 60 days so f ar ).

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 03/30/2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving calls from a company that claims they are in XXXX called First Recovery. They have called me repeatedly and I have spoken to someone twice. The first time the person hung up on me after I pushed back on giving him the last XXXX of my social security number " for verification. '' The calls always start with a recorded voice and usually hang up before I get a live person. Today I received a call and told " XXXX XXXX '' that I wanted written verification and to stop calling until I made contact after receiving verification from them. I am an attorney and told her that, and that I have looked up the FCRA and also info on their company as a scam. She told me that it would look really bad if I did n't pay my bills since I 'm a lawyer and that I really should take care of it now. I send send me verification and do n't call again. She said she ca n't do that. 

I received a call a few minutes later from XXXX, and she put me in contact with a manager of some sort. He eventually gave me information about me that was correct ( former address, former employer ), although he had my name as " XXXX '' and I always use " XXXX '' for anything official. He told me I owed {$300.00} from a payday loan I took out in 2012 from XXXX XXXX XXXX, plus {$130.00} in late fees. I told him I did n't know what he was talking about and he asked if I planned to pay them restitution. I said no. We argued back and forth and I repeatedly told him that I did n't claim this debt as mine. I asked for proof and he said if I 'm not going to pay, that we 're done and hung up. 

The number the recording gives to call back is XXXX and an account number ( electronic voice, not live person ). They have called from XXXX, XXXX, XXXX, XXXX, and started on XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 06-12-2015 about Consumer Loan (Installment loan) with POPULAR BANK (OH).
Issue: Taking out the loan or lease

Complaint: I went to XXXX and filed for a loan their number XXXX, ive spoken with a man named XXXX and XXXX. at ext XXXX and XXXX they claim that when you pay XXXX for the first initial payment, they then will place the money into your bank account. Once they receive the money, they do not place the money into your account and they continue to tell you that they need another XXXX dollars to do the transaction. they are using a phone number for XXXX Illinois and the police department in Illinois stated that they are a fraudulent company claiming to be in XXXX Illinois and after they investigated the company, they found there is no company. They believe this company to be overseas. I have receipt showing money was transacted, text to show they contacted me. Please I need you to return my call regarding this fake company. my number is XXXX and my name is XXXX XXXX. thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I obta  ined a Chase Credit Card Promotional Balance Transfer with 0 % interest ( 2 % up front lump sum charge charge ).
I inquired via a phone call with questions prior to obtaining the Promo Balance Transfer ( I used a check that was sent to me from Chase to obtain the balance transfer ). The main question was : If I use my credit card for regular purchases, will interest be charged if I pay the purchases, in full, at end of billing cycle. I was advised that I would not be charged any interest on purchases if paid by deadline of the billing cycle. Also, the writing with the Chase checks that were mailed to me did not disclose that any " new purchases '' will be charged interest from initial date of the new purchase, which contradicts my credit card agreement with Chase - m  y credit card agreement states that no interest will be charged for purchases that are paid for during the billing cycle grace period ( paid by the billing cycle " payment due date ''.     Once I took out th e Promo Balance Transfer - Chase h as started to charge interest on " new purchases '' from date of purchase and has eliminate the grace period.     A class action should be initiated aga inst Chase to recover customer interest paid on " new Purchases '' after a Promo Balance Tra nsfer was initiated which interest charges contradicts the consumer credit card billing and payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Struggling to pay mortgage

Complaint: We submitted a loan modification application on XX/XX/2017. The lender said they refuse to open it for review because the file is incomplete and its within 37 days of the scheduled foreclosure sale date. However according to recent changes in in foreclosure & bankruptcy servicing a servicer is required to perform an expedited review if the application is submitted within 37 to 15 days of a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Home is in short sale and Select Portfolio Servicing is taking too long to approve current offer. We had prior offer that was canceled XX/XX/XXXX because buyer waited too long for bank to approve. Now afraid current offer received XX/XX/XXXX will be cancelled too because of bank. Bank is requesting documents that have been sent many times for 1st and 2nd loans and they say " not received ''. As of today they say still missing documents for 2nd loan. Realtor has sent many times two sets of documents, one for each loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My information has been compromised and I 'm just now getting copies of my credit report and all the HARD INQUIRIES ARE NOT MINE. THEY ARE FRAUDULENT AND I WANT THEM REMOVED.

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 05-01-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with Darnel Quick Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made many attempts to contact XXXX XXXX with regards to a debt that they are reporting in collections on my credit file. I have sent many letters asking them to provide me with proof of this debt and to date they have not done so. I have sent them a letter as recent as XXXX XXXX, 2015 via certified mail. I have also disputed this account with XXXX who report this account as verified. I am leary of this since I ca n't get a response back from Darnel Quick Recovery. I need your assistance in getting this matter resolved. Otherwise, I will have to sue for damages.

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 10/15/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I owned to XXXX XXXX {$2200.00}. I am paying each month for {$100.00} to be free from my debt. All my payments I 'm sending to XXXX XXXX. Last payment I did at the end of XX/XX/2016. Back in XXXX I was short with a money and I missed my payment just 10 days. Then I applied for fast cash loan in order to pay my bills, and get it on XX/XX/2016 on my bank 's account. XXXX days earlier at my work place show up the men from Machol & Johannies LLC office, showing the court paper and my debt amount in front of all people. He told that I 'm not paying any money regarding my debt. I was confused. It seems that I live at my work place and do n't have a house where I could private to solve this problem, but not in public. 
A few days later, my bank 's account was garnished by Machol & Johannes LLC office. They took all my loan in amount of {$300.00} as legal processing fee, leaving my account with {$0.00} balance. .please, help again. i agree to pay each month, until I 'll be debt free, but this practice is not acceptable by me and at the same by Colorado state law. There is a percentage that you can be removed from the account when the client does not pay at all, but not 100 %. Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX -Account is not related to me,XXXX times submitted a dispute, but accounts is still there XXXX XXXX account was paid off in XXXX, but i have late payment on XX/XX/XXXX, which is not true, paid off letter was provided to Experian but problem is not resolved

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 09/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.

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 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monarch Recovery Holdings, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I have purchased my {$400.00} bitcoin from coinbase wchich I suppose to receive by XXXX XXXX 2017 but transaction is still showinng pending and have not received aything yet. I send tons of messages to them but they did n't reply and also created many support ticket but nothing happened. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and 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 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They contacted my place of employment after I asked them not to, and then spoke with XXXX of my coworkers about this being a legal matter and pursuing action against me in the court of law

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: ShellPoint LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX In XXXX 2015 the homeowners filed a Chapter XXXX bankruptcy. The lender told them they had to move out since they do n't own the property any more. Therefore the homeowners moved out. The lender proceeded to not foreclose on the property, and instead it has been sitting as a zombie foreclosure for the last year. In addition, the HOA has continued to accrue for the last year, unbeknownst to the consumer. 

The lender then sent a letter to the consumer requesting they market the property and move forward with a short sale. Therefore, the consumer proceeded to hire a real estate agent, market the property, and procure a buyer. 

Now, however, the lender is now refusing to do a workout of any kind, even though they know the mortgage is upside down. They have further endangered the consumer who is no longer allowed to live in the property by accruing debt ( in the consumer 's name ) with the HOA Company. 


The lender has shown cruel treatment to the consumer in every action they have taken : 1. ShellPoint forced the homeowner out of their home 2. ShellPoint forced debt onto the consumer for a property they were prohibited from enjoying 3. ShellPoint lied when they sent out a letter regarding the consumers options that they had no intention of giving them When is this going to stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it 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 non-monetary relief
Consumer complaint received 03-10-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My name is XXXX XXXX last 4 of my SSN are XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I made a payment through the online system for my car payment on XX/XX/XXXX. This payment was returned because I submitted through savings instead of checking. I only authorized a ONE TIME PAYMENT. On XX/XX/ Ally bank resubmitted the payment through without my authorization causing my bank to charge me XXXX. I called in and spoke with a manager named XXXX who told me that they did not need my authorization to process this payment since I already gave it onXX/XX/XXXX. She claimed that by me making that payment I gave authorization for the to go in and draft my account again if the payment was returned. She stated this was and agreement I made before submitting the payment. Well I went back and check what the online system stated when making a payment. " I authorize Ally to debit a one-time payment from my designated account in the amount and on the date i have selected and this authorization will be in effect until the payment is paid or until I cancel ''. No where does it state if my payment comes back I authorize Ally to draft my account again. I believe this practice is unfair and deceptive.

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 01-12-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2017, I called BOA, to find out how much my interest would be, if I do'nt pay off the balance of my " balance transfer '', that I did few months back. When they disclosed how much it would be- I said : oh my, that 's a lot. Then he said, they can reduce the interest charges, and forwarded me to another banker., who offered to reduce the interest, but also said " we can increase your credit limit '', in a very helpful tone, as if it 's in her power, to do so. I said " how much ", she told me the amount she would increase, and I asked her, " do you pull my credit report "? -- She said oh yes, -I asked " is it going to be " soft pull '', or Hard pull "? She said Oh, " we do n't know about it, -- anyway it 's already done ". I was shocked. 
I did not want any XXXX to do a hard pull, as I was about to start on a " refinance '', on my home, within weeks. Next day, I received my " XXXX XXXX '', report saying, '' there was a hard pull, do you recognize this company?. ". I was furious, and very upset, because, without informing me, her itchy hands had already forwarded my card number to Credit Agencies, acting as though, she was very sympathetic, and understanding, and as if SHE was inreasing my credit limit, on her own. Why do they deceive us, why ca n't they be honest, and transparent? Why do big banks like BANK OF AMERICA, hire such idiots, who say " they do n't know, if it is a soft pull, or hard pull "? I AM DISPUTING THIS UNSOLICITED CREDIT INQUIRY. They are trying to whip up more loans, just like another big BANK did recently, and was subjected to severe fines, which story every one knows. I want Bank of America to " WITHDRAW THIS INQUIRY '', FROM MY credit report, ASAP. 
Thank you for your helpful service.

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 04/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Deposits and withdrawals

Complaint: I am a XXXX year old student and a victim of a scam. Responding to myposting in XXXX a XXXX company relocating to XXXX contact-ed me with an XXXX position All communications tookplace by email and XXXX of them notified me that I was going to receivea cashiers check with which to open a checking account on my namewith {$4700.00}, and after leaving {$200.00} in the account for office suppliesI had to deposit the rest in a specific account at the XXXX XXXX XXXX XXXX 
I emailed the company photos of all transactions and was waiting tomeet my future boss on XXXX XXXX. The next call to the company wasin vain. They had vanished. On my mother 's advice I contacted theCitibank branch manager and the local police in order to protect myselfand others. I was shocked to learn that this was an old scam and thatI would face civil charges if not criminal ones.

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