milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed on XXXX XXXX, XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XXXX XXXX, XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, XXXX party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XXXX XXXX, and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Installment loan) with BANK OF THE WEST (CA).
Issue: Problems when you are unable to pay

Complaint: I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! 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 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Using a debit or ATM card

Complaint: I had dealings with a XXXX company that had several names, at least XXXX in the United States and XXXX in the XXXX. I requested more information from the XXXX based business called XXXX, but was contacted by the XXXX based business called XXXX which is a subsidiary of XXXX, also XXXX and has also overlapping personnel with the XXXX business called XXXX options. I did business with them for a little over a month from XXXX XXXX, XXXX to the middle of XXXX XXXX. In this short time they swindled me out of over {$40000.00} XXXX. I complained to Wells Fargo Dispute Resolution Center on XXXX XXXX, XXXX and they commenced a chargeback. I was then contacted by the broker from XXXX XXXX who threatened me with legal action if I persisted in the chargeback. I then cancelled all the chargebacks and attempted to resolve the issue with the company. However despite my cancelling the chargebacks, the charge backs proceeded and I then made the decision to let the bank do its work, since these individuals did not stick with the plan that we had just agreed on. The bank then proceeded to get some of the money back from the credit card transactions but then failed to even try to recover the money from the debit card transactions

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 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had items in collection 3.5 years ago. They were already marked as " charged off '' or the unpaid balance set at {$0.00} as of XXXX XXXX. In XXXX of XXXX, these collection agencies started re-aging this debt to look like recent or current debt in an attempt and satisfaction to hurt my score. This is also an illegal attempt to collect a debt and is a direct violation of the Fair Credit Reporting Act. Even though these items were issued as delinquent 3.5 years ago, it 's showing as current, open balances and hurting me in every financial position in order to obtain new credit and most importantly, my dream of home ownership. I wish to have this removed and deleted immediately as misuse of the creditors ability to report on my credit report. Even after opening a dispute with Experian and the charge off date is stated as XXXX XXXX, the conclusion was still that this is active. I made no attempt to re-age this date or make any payments because I know that would restart the statue of limitations.

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 05/24/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a payment online for my Wells Fargo mortgage. When I submitted it, I accidentally selected the wrong account ( per Wells Fargo ). Therefore, it tried to take the payment out of a bank account that had insufficient funds. Instead of contacting me about the issue, they proceeded to attempt to take the payment out three times causing over {$90.00} in fees. After speaking to Wells Fargo, they told me there was nothing they could do about it. I told them I thought it was poor customer service to not contact the customer to tell them their payment did n't go through nor did their website allow me to view the payment once it was submitted. Had I been able to view it, I would have known it was coming out of the wrong account and would have deposited money into the account to avoid future fees. Their response was that they do n't have the time to call all of the customers that have Insufficient funds.

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 03-02-2017 about Credit card () with Alliance Data Card Services (MO).
Issue: Credit line increase/decrease

Complaint: I have requested a credit limit increase last month and never received any documentation regarding the decision. I called today to figure out why I havent been notified. I was transferred around at least 4 times before getting an answer. The representative stated the letters was never pushed through per recorded phone call. He stated I have a technicality as to why nothing has happened. He gave me a hint and stated the reason I have not got a credit limit increase is because of my Identity Theft Alert on my credit that is placed for 90 days. Even though i still should of been notified. I was then put back in the que and got a Manager on Duty XXXX. I explained to her that there is a Identity alert and the protocol is to call me at the number on file before granting credit to verify it is me. I have not been ntofied and Victoria secret is not following proper protocols regarding limit increases and I will take this matter to legal if needed. Victoria secret is lying about the letters that was supposed to be sent out. If legal action is taken, the post office can confirm nothing was handled by them to get delivered to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been trying to dispute this XXXX account for several months. Equifax has had this in continual dispute for well over 60 days. I have reached out to XXXX on multiple occasions, and they have NO RECORD of me in their system. They have no way to even pull this account up, as they no longer have the information in their system/never had information attached to me. 

I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Payday loan () with 2288984 Ontario Inc. (SD).
Issue: Charged fees or interest I didn't expect

Complaint: I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Other transaction issues

Complaint: I used Paypal to pay for a large welder which was to be palletized and shipped across several states. I paid trucking co independent of seller. Seller did not bother to secure the welder or any of its accessories to the pallet upon which it was shipped and of course it arrived damaged which cost me many hours of time and a significant portion of the cost of welder and shipping to repair to functional, much less aesthetically the same as when it left sellers shop. I filed a complaint against seller, weeks later Paypal tells me only way to resolve the case was to ship it back to seller at my own cost, after I had already paid the costs to repair machine because I needed to use it and did n't have enough money extra to buy a second welder while I waited on a response from Paypal. I appealed this decision, Paypal contacted seller for their response, seller did not agree to a refund and Paypal told me there was nothing they could do. At this point nearly 60 days had passed so I contacted my credit card issuer to do a chargeback, they have no online dispute process so I 'm forced to mail dispute information and after receiving it credit card company tells me that because they did n't receive it within 60 days of the original charge they are unwilling to do anything to help me. I believe that Paypal deliberately draws out the length of their dispute resolution process to avoid the possibility of a chargeback when they fail to protect their customers from negligent or scamming sellers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank of America charged me an overdraft fee for the account being overdrawn by couple of dollars. They charged a hefty {$35.00} for that.     Usually other banks do n't charge you such overdraft fee if the account is withdrawn by {$5.00} or less. This is definitely deceiving.     The other thing is that it did n't even show any negative balance so I can go and deposit some funds to cover this overdraft. I had  an   XXXX   XXXX    Credit Card charge of {$4.00} and another restaurant charge ( was still pending final amount ). Once those  XXXX  charges have posted, I was hit by an overdraft overnight. It usually shows a negative number ( marke d in Red ), and this gives the chance for me to go and deposit some money to bring that number back to positive.      On the other hand, my account cut off time is  XXXX   XXXX  ET ( While I am living in California ). This should be always  Pacific Time a ccording to my residence. So Whenever I need to protect myself from account overdraft, I always have to think of Eastern Time which is  3 hrs ahead of Pacific Time. ( While I am living in California ). Its definitely frustrating.

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 10/19/2016 about Bank account or service (Other bank product/service) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: I received a new debit XXXX through Key Bank. I scrambled trying to remember all the accounts attached to it for my monthly bills. My water bill was delinquent and I had to submit the new account number for that. There were recurring charges for services that I did not want continued. Imagine my SHOCK when those merchants were able to obtain my new credit card information when I did not authorize them to. This should be illegal. It is not a service to consumers ; it is strictly a profit for the XXXX and the retailer. The only option XXXX was willing to do was to reissue me another card - which was not acceptable to me since I had just updated everyone I wanted updated with my new information less than a month ago. There was no " opt out '' of having new card information provided by an " updater '' program.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mort assessed our loan over {$400.00} in late fees that we do not owe. They refuse to communicate with me, except hiding behind a letter saying they wo n't reverse the fees with NO explanation or proof I owe these late fees. I have documentation that proves NO LATE payments have been made. I call them, they tell me to email, I email they do n't respond. They are lying about the late fees being owed on my account. They also raised our mortgage {$200.00} a month with no warning.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (MS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: {$910.00} Account number : XXXX I had 3 accounts with this collections company dealing with this matter. The other two were removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX XXXX XXXX BANK purchased our mortgage loans from XXXX XXXX XXXX. Since XXXX 's purchase has been battle between lender and borrowers. Finally, after a long battle, on XXXX XXXX, XXXX under the Home Affordable Modification Program ( HAMP ) we were qualified to reduce our monthly payment for a fixed rate until Nationalstar Mortgage ( in this year ) got our loan from XXXX. 
Right away our monthly payment made a drastic jump from {$1000.00} plus to {$1200.00}. On numerous occasions I have tried to discuss the situation with the office manager, but he or she is unwilling to cooperate. Finally, I spoke to a loan specialist explaining me it because " California had tax higher collection '' and we need to maintain some amount in XXXX to " pay city '' tax. I was off balance because where they gave such of increasing. They have not sent us a statement or affordable application XXXX. I want to know : If there was an agreement left from XXXX Why they refuse to give us an enclosed ( purchase agreement between XXXX and Nationstar? 
Why they are offensive Why the monthly payment has increased besides escrow. 
In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XX/XX/XXXX I attempted to use my Southwest Rapid Rewards VISA card and was told that it had been blocked by Chase Bank due to fraudulent activity. I called in at that time and identified all of the questionable charges as legitimate, as I was in the process of moving and one of the charges was for the moving company and the other was for a lunch I had taken a fellow who had helped me pack. I explained to the agent at that time that I was in the process of moving and the block on my account was lifted. This morning ( XX/XX/XXXX ) I attempted to purchase office supplies from XXXX XXXX, a company that I regularly do business with and had ordered supplies that I usually include with an online order. I received an e-mail this morning from XXXX XXXX after I had completed the transaction online that the transaction was declined and shortly thereafter received an e-mail from Southwest Rapid Rewards Visa ( Chase Bank ) that two transactions had been blocked ; the transaction with XXXX XXXX and a transaction with XXXX XXXX XXXX for the rental of a unit I have with them. I have leased this space for three years and each month on the XX/XX/XXXX or XX/XX/XXXX of the month XXXX XXXX XXXX places a charge for the monthly rent. I later called Southwest Rapid Rewards VISA ( Chase Bank ) and verified that both of these charges were legitimate. I was told that the block on my card had again been lifted. I then questioned why a ) a charge that was recurrent every month had been blocked ( and clearly was legitimate ) and b ) why a charge to a merchant that I regularly do business with for items that I regularly purchase online was blocked. I then got passed from department to department with no clear answer being given. Several minutes later I called XXXX XXXX to ask them to resubmit the transaction on the Southwest Rapid Rewards VISA and they told me the account was still blocked ( in spite of the fact Chase Bank had previously told me they had lifted the block on the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Vehicle loan or lease (Loan) with VEROS CREDIT, LLC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle. 
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}. 
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered. 
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with DISCOVER BANK (UT).
Issue: Payoff process

Complaint: I paid off my entire balance of discover card that was stated in my last billing statement. My balance was over {$3000.00}. I made small payments on time for over 8 years until finally I was able to pay off the entire balance. Once the balance was paid off, I stopped recieving statements. I assumed this was normal since I paid the entire balance off. However, I recently checked my credit and it went from XXXX to XXXX. Upon investigation I found that Discover card had reported I had missed 4 payments and was delinquent. This troubled me as I was under the impression my entire balance was paid off. Discover card told me that I had {$45.00} dollars in interest remaining. When I asked why they did not send me a statement or call me notifying me after the first missed payment or telling me I still had a balance, they said my statements had been returned. However, I have not moved in over 5 years and my number is the same number they had, I even asked the representative to verify it for me. Prior to this issue, none of my statements had been returned. I was receiving them monthly. In fact, this is how I knew how much to pay off. Of course I would have paid the {$45.00} remaining interest had I known. I have never missed a payment, and was working hard to get out of debt. But unbeknowest to me, I still had a balance. I asked discover if they can fix this with the credit bureau, however they said it is too late because it is already reported. I feel this is extremely unfair. They can not report missed payments when they did not send any statements notifying me of balance for 4 months. I was under the impression the credit card was paid off and because I did not receive any statements, I had no reason to believe otherwise. Furthermore, they did not call or notify me once I missed one payment and y address and hone number has been the same for 5 years. I have been a loyal customer for over 8 years and feel this was dishonest and unfair.

Company response to consumer: Closed with non-monetary relief