milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NM).
Issue: Trouble during payment process

Complaint: Ditech Financial T hey have sent numerous letters and to be perfectly blunt they lie. They have been given several notifications of insurance on the property and they continue to charg e Hazard Insurance. T hey sent a letter to us stating they had received our insurance information and would stop charging us and refund all back payments They continue to charge us and now are saying they never got confirmation of insurance.     I looked up top complaints o n Ditech an d every single issue we have had is the same as everyone else. They change account numbers so your payment is rejected ( I have never been able to pay via our bank correctly for over a year ) They lie about receipt of documents. They ruin your credit report and they are so incredibly dishonest. They need to be investigated and closed down.     I do not know what you can do and how this can be fixed but I am tired of fighting with them constantly. I wont even let them call me anymore because they lie on the phone so much

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Fraud or scam

Complaint: I am with Bank of America. They have XXXX  built into the app. I thought it was a service very similar to XXXX/XXXX where if fraud occurs you can cancel the payment. It also advertises it as being secure. Which BOA having a contract with them makes it feel very secure. I was frauded on a concert ticket sale. The Confirmation number is XXXX. The amount was {$60.00}. Perhaps BOA should have a more reputable app built within their mobile platform one that has similar security to that of 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 04/28/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions  XXXX , on Monday  XXXX  were claim to them to transaction s one fro m  XXXX  for {$30.00} another from  XXXX  for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at  XXXX   XXXX  in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is  two extra  overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday  XXXX  when the claim from  XXXX  and  XXXX  came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday.    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 monetary relief
Consumer complaint received 04/18/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (IL).
Issue: Managing the loan or lease

Complaint: I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Medical) with OUT TECH, INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: continued payment request for services of which have been paid. Proceeded to falsely contact the credit reporting agencies, effecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX was part Chp XXXX bankruptcy. All debt before XXXX XXXX have been XXXX. XXXX shows as a late account.

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 05/29/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: The branch manager at Bank of America in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Bank of America on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Rewards

Complaint: Synchrony Bank rewards their Banana Republic Visa credit card holders who have " Luxe '' status with a XXXX % points bonus each calendar quarter, once the quarter is over, and I do have Luxe status. For example, if I earn XXXX points from XX/XX/XXXX-XX/XX/XXXX, then I would receive a XXXX point bonus as well. 

I have called and tried online emailing multiple times with my inquiry, but Synchrony bank has never responded with any sort of explanation other than " nothing is wrong, '' even though I have explained my issue in detail to multiple phone representatives and they have acknowledged it. 

Here is my issue ... XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX, the XXXX % bonus they gave me ( and which appeared on my XXXX XXXX statement ) was not nearly equal to XXXX % of the points that I had earned from purchases XXXX XXXX to XXXX XXXX. Here is what I earned : -- On my XXXX XXXX, XXXX statement, I earned XXXX points from purchases in XXXX. 
-- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases -- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases. 
-- I also made a lot of purchases from XXXX XXXX to XXXX XXXX, XXXX ( which appeared on my XXXX XXXX statement but still count towards the quarterly bonus since they were " earned '' XX/XX/XXXX ) that earned me XXXX more points Therefore, XX/XX/XXXX, I earned XXXX + XXXX + XXXX + XXXX points, which adds up to XXXX points. Since I earned XXXX points in that quarter, then I should have received 20 % of that, which is XXXX, in bonus points. However, on my XXXX XXXX statement, I received a " Quarterly XXXX 20 % Bonus Points '' of only XXXX. So taking the difference between XXXX and XXXX, Synchrony Bank still owes me XXXX rewards points. I have explained this to them, and after investigating either I have gotten no response, or a superficial " everything is correct '' response. Clearly, though, I have not received a bonus of XXXX % of my earned rewards XX/XX/XXXX, and I would like to have them applied to my account, without having to wait any further.

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 08/19/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Customer service / Customer relations

Complaint: I wanted to cancel my XXXX business card last year around XXXX XXXX, 2015. I had placed most of my overhead for my small business for two years on that card. I had accrued XXXX membership points for using the card. I was told on the phone by one of their employees that I could cancel the card and still use my membership points. After the card was cancelled I went in to use the points but there were none to be used. I called them back and they said that I had voluntarily given up my card and so forfeited my points. After a long conversation telling them I was given the wrong information, they told me they reinstated my card and that my points were back in place. When I tried to use my points, they were not there. I was told that I voluntarily cancelled my card so I forfeited my points. I only did that because of the information they gave me on the phone. They have consistently told me that they value my business, but if they would listen to the conversations they recorded they would hear that I was given misinformation. Why would I cancel my card with that many points only to reinstate it again within 24 hours or so just to lose that many points? I just want the points back to use and then cancel the card, which was my intention in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (CA).
Issue: Account opening, closing, or management

Complaint: Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue.

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 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The following debt for XXXX was paid in XX/XX/XXXX not only sid i pay XXXX but i also paid the Oringal collection company XXXX XXXX dollars. After the debt was removed it was resold to convergent outsourcing what appears to be in XX/XX/XXXX. This item was removed from my report over 6 months ago and is now on my XXXX report. This debt has been paid and documentation was provided to XXXX. This item should have not been sold and should not be on my credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (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: I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.

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 10/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX, XXXX ( XXXX ) XXXX has appeared on my Credit Reports with all XXXX Agencies for over 8 years. They keep re-aging the info to maintain item on my reports. Equifax Business Affairs after looking at the details took it off my Report last month and XXXX put it back on this month. The account dates back to XXXX and first appeared in XXXX. I have been fighting them for over 7 years. If you go to my Credit Reports now they currently claim I made a payment in XXXX of XXXX. I have never made a payment to XXXX. No 81-Month Payment Data available for display and the balance has n't changed since XXXX. In addition they have not been in business for over 5 years as they were acquired by XXXX. It is my understanding accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment. I believe XXXX is guilty of Fraud and XXXX of the Credit Reporting Agencies suggests this. Attached please find an example of about XXXX letters like this sent Notarized to XXXX and have all been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I ca n't access my account online or make a payment. I do n't even get a paper statement in the mail. I 'm now getting calls from Ditech about paying my mortgage, BUT I CA N'T BECAUSE THEIR WEBSITE DOES N'T WORK!!! This is crazy. Ditech is damaging my credit. I do n't even know my account number or the amount of my payment without access to their website or where to mail a payment. I never agreed to do business with this company -- my mortgage was sold to them. Ditech 's website often does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company " Portfolio Recov '' calls me daily using a bevy of different phone numbers. I 've read that they are a collection agency. We have absolutely no past due outstanding debt. There is no reason for them to be calling me and I want it to stop! My understanding is they are scammers who try to collect fraudulent debts from unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX DISPUTES ONLINE ARE A WASTE OF TIME AN NEVER ALLOWS ME TO FILE, CONTINUES TO LIST INCORRECT/ PREVIOUS DISPUTED INFORMATION ON FILE, SAME RESPONSE OF VERIFIED BY CREDITOR, GIVEN WHEN I HAVE NOT SEEN ANY OF THE DOCUMENTS THEY USE TO COME TO THE CONCLUSION OF VERIFIED AS MINE. NOT ONE SINGLE CREDIT REPORT IS CONSISTANT OR MATCH THE OTHER CREDIT REPORTING AGENCIES ( 2 ; TRANSUNION, 3 ; XXXX ) OUT OF DATE, INCORRECT, AND UNFAIRLY REPORTING IS ALL TOO FREQUENT AND COMMON AND HAS CAUSED ME VERY MUCH GREIF, STRESS, TIMELOSS, LOSS OF EMPLOYMENT AND FUTURE PROSPECTS OF EMPLOYMENT DUE TO THE NEGLEGENT, UNFAIR, INCORRECT, AND PLAIN LAZINESS AND DISREGARDS OF MY RIGHTS AS A HUMAN, EMPLOYEE AND CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
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: I had 2 transactions that I made during the XXXX Holidays and I didn't receive the items. I made a dispute with XXXX XXXX and they never contacted me personally to inform me of a decision being made before denying both disputes and charging me for items they originally credited, pending dispute! I refuse to pay for items that I didn't get! They have charged the money back to me stating that the merchants say the merchandise was delivered to my front porch ( no signature ) and that was enough information to deny the claim. They stated that I need additional information stating that I want them to continue the dispute process through XXXX-but NOT once did they send a letter explaining this process and inform me of this. I didn't find out that my card had actually been re-charged for these purchases until I attempted to use my card and my card was declined. The representative that I spoke with this evening stated that they tried to call me ( there were NO messages left from this company ) which I find hard to believe. I never received this merchandise and refuse to be charged for items I never received! I never received a letter a phone call or message stating that they needed additional documentation to continue to pursue this case! If I had not called in after a purchase is declined, I would have never known- this is ridiculous! I want my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried contacting Nelnet on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I went to ace in XXXX, Texas and received a payday loan of around XXXX to XXXX dollars. I lost my job before it was time to pay back the loan and talked with a few reps about resolving the issue. They said someone from management would give me a call to walk me thru the next steps and step up a payment plan. I was never contacted and when i called a month later an employee placed me on hold and never returned to the phone several times. Now over a year later the are calling my grandmother and anyone they believe to be kin yelling, threatening legal action against them if i do n't pay before they ever contacted me. Once I finally got in contact with someone they said the are filing criminal charges for check fraud, and once I told them I XXXX have n't worked since last year the lady stated good luck with the judge and the courts.

Company response to consumer: Closed with explanation