milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

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 04/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Three years ago I went to the XXXX for one day. I paid all bills associated with this visit and am now being contacted by a creditor claiming they purchased my " debt '' and are looking to collect. I claim that these bills never existed and wish to restore my credit and absolve myself of these false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Lender : J.P Morgan Chase Bank Loan Date : XXXX Account # : XXXX Home Equity and Consumer Lending Division XXXX XXXX XXXX XXXX, OH XXXX Branch Office that Wrote Contract : Chase Bank XXXX XXXX XXXX, MI XXXX My Reason for filing a complaint is due to me XXXX XXXX trying to get copy of the Appraisal ( suspect fraud ) I am in need of the appraisal regarding the contract account listed above. 
I have contacted the Branch Office twice regarding this issue. In return I then received two letters regarding the appraisal, stating they are no longer available. 
I was informed by law all documents are suppost to be available including appraisals. So if I needed copy of appraisal ( as I do ) it would be available. 

Thank you for taking the time to read and review my complaint. You are welcome to contact me any time between Monday - Friday XXXX - XXXX at XXXX Or After XXXX or on Saturday and Sunday at XXXX XXXX also email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Making/receiving payments, sending money

Complaint: Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX . 
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''. 
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. 

My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. 
Thanks very much. 
Sincerely, XXXX ( XXXX ) XXXX -Cell. 
XXXX Account # : XXXX. 
My Address : XXXX, TX 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 01-09-2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX mortgage loan with XXXX, secured by XXXX. My loan was then sold to XXXX XXXX XXXX. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. XXXX XXXX XXXX has sold my loan to a collection agency, Real Time Resolutions to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007.

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 06/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: The bank charged towards my checking account two inquire fees, that was not correct. These fees are for {$2.00} each, and are stated as balance inquire fees from a XXXX XXXX XXXX  in XXXX, Wisconsin XXXX XXXX XXXX XXXX These inquire fees are listed on me account statement : XX/XX/2017. There are 9 total statements going up, they 've posted a - XXXX balance at the top of my account statement, as I attempted too resolve this matter w/ the rep 's at the bank, they agreed to reverse the fees that I originally wanted to dispute w/ the correct department, but I was not successful. This then posted a balance of XXXX in my checking account. I figure that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin should have had a fee that would have been posted and was not present on this particular statement. From my experience these representatives at the Wells Fargo bank reversed the fee that they originally assessed towards my account and from the - {$3.00} to a XXXX. is what you 'll see.

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 10/25/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to Equifax on XXXX/XXXX/XXXX in regards to the XXXX account # XXXX {$68.00} - I have also sent a letter to XXXX, no response on the erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Settlement process and costs

Complaint: I submitted a complaint for the third time and it appears that JP Morgan Chase is not working on resolving this issue with me. I purchased my home in XXXX and I never refinanced my property. JP. Morgan Chase faxed over this XXXX what appears to be a new mortgage loan with my name forged on the HUD 1 which is government fraud, and the entire loan application. I am trying to discuss this in a professional manner in hopes that they will resolve this issue with me, but I have not gotten any results as of yet. I contacted the prosecutors office in XXXX nj and was informed to contact the local police and make a formal criminal complaint due to the forging of my name. I am reporting this again in the hopes that this will be resolved. I am also looking to contact the news and inform the public that this crisis with the mortgages in the United States appears to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Pioneer Credit is calling my place of business to collect a debt after I previously told them this is not acceptable. I do not want it and neither does my employer.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. Ford motor Company was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with Ford Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX XXXX. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with Ford Credit about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If Ford Motor Credit can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that Ford Motor Company whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. Ford Credits response to me was well this is Ford Motor Credit we are not Ford Motor Company. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

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 02/27/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other

Complaint: 1 ) Using Citi 's online banking system I scheduled a payment to be processed on Saturday XXXX XXXX, 2016 to pay my XXXX statement in full for the amount of {$3900.00}, withdrawing the funds from my credit union. The funds were to be obtained on Monday XXXX XXXX, as Saturday was not a business day. 
2 ) On XXXX XXXX my dog died and I completely forgot to deposit the funds into my account. 
3 ) On Wednesday XXXX XXXX I realized I had made the error of not depositing enough money. I contacted Citi immediately by telephone and via the customer service representative I paid the XXXX statement in full from a different bank account, from a different bank ( not the credit union ). I thought I was doing the right thing by paying it in XXXX transaction and that by taking immediate action the debt would be resolved. I paid the XXXX statement amount in full : {$3900.00}, and my Citi account reflects that the payment was made that same day. 
4 ) Unfortunately the automatic system was not notified. On XXXX XXXX Citi 's automated system tried to withdraw the original transaction scheduled for XXXX XXXX once again, even though the statement had already been paid in full on XXXX XXXX. 
-I thought it was odd that Citi was trying to obtain the funds from my credit union since I had already paid the XXXX statement in full ; I went online and saw that when I made the payment by phone the funds actually went towards my XXXX statement, and that the XXXX statement was still in arrears. 
- I immediately spoke to a representative on the phone and he told me that it was impossible to cancel the automatic payment and that Citi would continue to try and obtain the funds from my credit union until XXXX XXXX. 
-Based on the information from the representative I immediately deposited {$3900.00} into my credit union account in anticipation that Citi would once again try to obtain the funds using the automated system. 
5 ) The evening of XXXX XXXX I received an email from Citi saying that the funds were returned as unpaid from the credit union account and that if the information was n't accurate I was to call Citi immediately at XXXX ( TTY/TDD : XXXX ). 
6 ) The morning of XXXX XXXX I phoned Citi to resolve the issue immediately ( again ) and paid by phone ( again ) the amount of {$3900.00}. 
7 ) One hour later I went to the grocery store to make a purchase and my Citi credit card was declined. 
8 ) I immediately phoned Citi and was informed that my account had been closed, even though I had just spoken one hour earlier to a representative and my account was open at the time of our conversation. 
9 ) Today XXXX XXXX I received a letter from Citi informing me my account is closed and that it can not be reopened unless I provide a letter from my bank saying the payment was returned by mistake.

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 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NM).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I have spoken to many agents and supervisors and because public records says that my phone number does not belong to me nothing I was told is happening. On XX/XX/XXXX I was approved for a credit card. I was told it would be here in two weeks. On XX/XX/XXXX it is still not here. I called to find out what is going on. I was told that it was mailed on XX/XX/XXXX. That is four days after I was approved. A supervisor offered me a second card but because public records state that my phone number is not mine they will not send it. Public records does not keep up with every little change that happens. I do n't even have my card yet and already I am thinking about closing the account. I is stupid that you use a system to verify someone that is not up to date. I should not have to suffer due to something that is not my fault. Information that is put on an application is what should be verified not public records. I do n't even have my account number to do anything with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with Western Portfolio Assets (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 07-07-2017 about Debt collection (Auto debt) with URS Holding, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX  from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Deposits and withdrawals

Complaint: My sister has removed money from her N.F.C.U. account without her permission or mine. I was wondering why they can not put a hold on the account where she put the money and to take LARGE sums of money without check with me or my mother?? She has removed about {$72000.00} from my mom 's accout without permission and they are saying she has the legal right!!! I will sign any papers you wish to check her accounts like a lawyer would make me sign to check accounts!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: BSI Financial Services purchased our loan from XXXX XXXX XXXX. We were and are in an active Bankruptcy. For over a year, BSI Financial did not apply payments made to the loan, they put them in the escrow account. Since they did not apply payment correctly, they are charging interest and penalties on the loan that was paid. For 6 months we have been trying to work with the bank to get an accurate balance. We have had a lender that was willing to pay off the loan but BSI has been unable to get the payoff amount or balance due in 6 months. They are also continually reporting the loan incorrectly to the credit bureaus since they have not applied payments correctly. we have had a few discussions with our representatives and they always say they are working on it. Recently we have had update calls scheduled but they do not call. The person at BSI who says he is going to resolve the issues is XXXX XXXX. I believe the loan is now paid off, but they have fraudulently added more than is owed to the loan and are fraudulently collecting on a mortgage debt we no longer owe.

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