milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from the company stating that i owe a debt from XX/XX/2009. I told the company that I do n't believe that this is mt debt. I still have a current account with the company and I 've never been late on any payments. He told me that maybe somebody opened the account in my name because the addresses were accurate with my addresses. I have never received anything from this company stating that I owe a past debt. This account is 8 years old and past the statue of limitations for collection in my state. I do n't understand why this company is coming after me for now for and account that they say was closed in XX/XX/2009. I want this company to stop contacting me for this phantom debt that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Taking out the loan or lease

Complaint: GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Bank account or service (Other bank product/service) with First Data Corporation (WV).
Issue: Account opening, closing, or management

Complaint: I called Telecheck on Friday XX/XX/XXXX & spoke to XXXX. I explained that we had unplugged our XXXX machine at the close of business on XX/XX/XXXX. At that point we stopped processing check payments electronically the equipment had been returned & our lease had been cancelled & settled. 
I was advised to notify them by fax that I was cancelling our service. The statement I had received indicated that it covered the XX/XX/XXXX through the XX/XX/XXXX billing period. It showed that they intended to withdraw {$10.00} from my bank account on XX/XX/XXXX. Since their services were not utilized in this time frame, I respectfully requested that they cancel this transaction. They did not cancel the transaction and the charge went through for the XX/XX/XXXX cycle although their sevices were not used in XX/XX/XXXX. 
I then received an invoice for the period of XX/XX/XXXX-XX/XX/XXXX. I immediately called and spoke to XXXX. She explained that our cancellation, although submitted and received on XX/XX/XXXX, was not affective for thirty days from submission. She advised that our cancellation order was not applicable until XX/XX/XXXX. I explained to her that their services were not utilized during XX/XX/XXXX and that this is an unethical business practice. I advised that I would be reporting this practice to the Consumer Financial Protection Bureau for their investigation. I then contacted our bank and stopped the withdrawal for payment of this invoice. 
I have now received another invoice for XX/XX/XXXX-XX/XX/XXXX including additional fees. I have mailed a letter to Telecheck advising of what has transpired and that this invoice will not be paid. I have attached copies of the relevant correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2016 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage sent me a check for an escrow overage of ~ {$400.00} in XXXX. In XXXX, they told me my escrow account was short {$190.00} and I had to send them that immediately, but my payment would also be increasing to cover larger escrow in the future. Why did n't they calculate future escrow at the time of the refund, keep the money and keep my payment the same?

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 08/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Rewards

Complaint: I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: AES uses predatory financing to extract as much from their customers as possible. The website logs you out to prevent you from navigating and potentially solving issues. Additional payments to loans beyond the minimum payment are not applied directly towards the highest interest rate loan. I spoke to their representatives and they said they would do that for me. The next billing cycle showed not a single dollar had been paid in addition to the minimum on the highest rate interest loan, making sure that AES made as much money off me as possible. The next representative claimed their system was incapable doing this automatically ( XXXX had no issues doing this when my loans were owned by them ). I then requested to cancel the additional portion of direct debit so i could manually apply extra funds to a specific loan each month, both via phone and via the website. Instead the entire direct debit was cancelled, thus removing my .25 % interest rate bonus for 2 months. The next representative claimed the system could not take less time to set up automatic payments. Everything this company does is meant to harm the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This complaint is connected to complaints number XXXX and XXXX. Bank of America refuses to remove a fraudulent charge on my credit card by XXXX XXXX. I never authorized the charge and it was for the next full year of service that I refused to accept. I have sent documentation to Bank of America that clearly shows that I refused the {$490.00} charge on my card for future services. XXXX XXXX sent Bank of America old documentation claiming that the charge was accurate. I am claiming fraud by XXXX XXXX as they billed my credit card without authorization from me for a full year of future service which I clearly did not authorize and in fact refused. 
XXXX XXXX claims that they were listed as my authorized agent on the State of Maryland website which is not true as I filed to have them removed. I have written to the State of Maryland to verify that XXXX XXXX was not listed as my authorized Agent and had been in fact been removed ( see attached documentation ). The State of Maryland has sent me documentation that clearly shows XXXX XXXX is no longer listed as my registered agent and is simply lying. They were removed effective XX/XX/2018. XXXX XXXX continues on with the fraud and Bank of America lets it continue.

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 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I was misled into believing the credit reporting service of Experian and XXXX was a one time charge instead of subscription, and was charged recurrently. 
I tried to cancel my service, and both agencies have very difficult websites to navigate for a simple task that I assume most who visit their websites intend to do.

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 11-02-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: when we bought our house last year, we volunteered to sign up for an impound account so that we would n't miss a payment. Our mortgage servicer, Select Portfolio Servicing in XXXX XXXX XXXX, Utah, takes our money for property taxes, and then refuses to pay them. They have had XXXX opportunities to pay on time, and have failed all XXXX times. Last year, we faced XXXX dollars in fines because of them. This year, i 'm lucky i caught it on time, because they XXXX yet again. This is nonperformance of our mortagage service agreement, and they need to sell our loan to a competent servicer. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent verification/validation letter to XXXX and XXXX the week of XX/XX/2017 and after there was no validation of the debt XXXX delete this debt than added it back to my credit report and XXXX  or Allied never sent anything proving this debt

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 11/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Using a debit or ATM card

Complaint: I travelled to XXXX, XXXX for business. On one night on XXXX XXXX I went to a restaurant and when I left I realized I had lost my wallet. I came back to the restaurant and found my wallet but XXXX individuals from the establishment stopped me and wanted me to pay more money but since I had already paid what I owed in cash I did not want to pay anything else. Forcefully, they put me in a room and would not let me leave. When I tried to run towards the door, they held me and XXXX. After approximately 2 hours they took me to another room and took my wallet from me. They ran my cards - XXXX of them went through and they would not let me go until I signed the vouchers. XXXX of the cards was a credit card from XXXX and the other XXXX was a debit card from Chase. After I signed the vouchers - trying to sign with differences to my true signature since I was not authorizing these charges - they released me and I left to my hotel in a taxi. At the hotel, still traumatized by the experience I call XXXX and Chase and reported my cards lost/stolen. I felt afraid being in a foreign country like XXXX where the news about corruption did not make me trust going to the police. I reported the incident to my supervisor upon my return home and I am fighting the credit card charge with XXXX - this was a corporate credit card. The XXXX investigation is still on-going and since I came back I wrote them a letter with the full story including the abuse from the merchants. The first Chase investigation concluded on XXXX XXXX and they stated the charges were correct. I called Chase and they told me the card used was authentic and made with chip technology transaction ( chip card and terminal ). I explained them over the phone the full story regarding the abuse I suffered and they re-opened the investigation. On XXXX XXXX they concluded the same as with the first investigation - that the card used was authentic and made with chip technology transaction. I called them and explained that since the beginning that has not been in question. What is in question is the unauthorized use of the debit card. Still they told me Chase could not do anything more and that I had to pursue other avenues outside of Chase. On XXXX XXXX I sent a letter to Chase asking for the documentation they used for their investigation including the documentation that will support that the merchant bypassed the use of PIN for my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Prepaid card (Gift or merchant card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Fees

Complaint: This is regarding gift cards from TD Bank. I was given XXXX TD Bank XXXX Debit cards at various times as gifts. Both are unexpired. I put them away with some othe gift cards I had accumulated for a larger purchase. 
I attempted to make tis purchase with these cards recently. The other XXXX cards I had, XXXX XXXX cards and another XXXX Debit card from " XXXX '' worked without problem. The XXXX from TD Bank, I was told required a PIN number to be used, even though the sticker on the cards said that they were active and ready to use. My wife registered the cards and set PIN Numbers for both cards. While registering the cards, we found that the cards had depleted in value. The {$50.00} card was now worth {$40.00} and the {$150.00} card was now worth {$110.00}. 
The cards were brought back to XXXX for use, and again they were declined. 
I went to the TD Bank branch office in XXXX NJ and spoke with the " store manager '' XXXX XXXX. I told my story and asked that the cards be cashed out since they apparently did not work, several times, in a store. 
He said that there was nothing he could do, that company policy was that they could not be cashed out. He put me on the phone with the credit card office to discuss why the PIN did not work. 
I spoke with " XXXX '', a supervisor. He looked up the cards registered under my name. He said that they were registered, but that there were no PINS assigned. I assured him that my wife had done this, he assured me that she had not. He said that if I go through the process again, that PINS will be assigned and they will be fine. 
We have already been through this. I wont go through it again. If I do, and we again attempt to use cards that dont work we will look foolish, and probably with suspicion. I want the value of the cards in CASH. I want to know why fees of {$50.00} can be removed from these cards. I had XXXX other cards, from different vendors that worked fine. I believe that whats being done is fraudulent and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Coinbase has not been able to resolve the issue of me being locked out of my account for 2 months now. I 've provided all the information required and they still ca n't confirm when I 'll have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX

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 12-01-2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am complaining in general about calls from XXXX companies. In this case Loan depot. I got an email that I can get XXXX percent refinance rate. The loan officer kept insisting on running my credit and said that I will have good rates if my credit is excellent. After doing all that he says I have to pay XXXX points to get XXXX percent. He could have told me before and not wasted my time. I had told him that my credit is excellent still he would not give me any numbers. My complaint is that he unnecessary ran my credit and wasted my time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: I went into Chase bank to cash a check from one of their own accounts. They told me there would be an XXXX charge to cash it. {$8.00} on a {$65.00} check is ridiculous, not to mention the check was from one of their accounts. It is a promissory note from their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I purchased furniture XXXX XX/XX/2015 via Synchrony Bank 's 12 mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XX/XX/2015 from Synchrony Bank stating that the acct. was charged off and sold XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX or Synchrony Bank prior to account being sold. When I rec 'd the letter, I called XXXX and Synchrony, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after XXXX years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.

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 07/16/2015 about Mortgage (FHA mortgage) with Columbus Capital Lending, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: company refuses to release fha case number required by other lender

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo my home mortgage lender refuses to provide me a copy of my 2016 payment history.I am unable to login into their online services and was told by a rep. that I " you are ineligible for online banking ''. Every payment has been on time. We have a high income, equity in our home and are professionals.I have documented my Wells Fargo calls etc. PLEASE 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 03-11-2017 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency agreed to remove this from my credit report

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