milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Interstate Recovery Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a telemarketing call in  XXXX   XXXX  selling magazines, which was recorded, I refused to take the subscription when I was told the price and refused to provide my billing address. On  XXXX   XXXX ,  XXXX ,  Interstate Recovery Service  called me to collect a debt, stating they mailed a letter on  XXXX / XXXX / XXXX , which I did not receive, advising of the debt. I spoke initially to  XXXX  and relayed that I did not purchase the subscription, had never received a bill or any magazines and did not owe the debt.  XXXX  told me that this would be a refusal of payment and proceed to further action. She would only give me the name of the original creditor as "  XXXX ,  XXXX  '' and no contact information. I came to this website for further information and called  Interstate Recovery Service  back to obtain their contact information to formally dispute the debt in writing. I spoke to  XXXX , I was told that I could not dispute the debt because there was a recording of me accepting the debt, I explained that I refused the offer when I was told the actual price and did not give my payment information. After being placed on hold,  XXXX  finally gave me the mailing address of  Interstate Recovery and verified the Tracking Number  of  XXXX .  XXXX  told me that they would still be pursuing the debt since I refused their offer of settlement of {$780.00}.   The total amount of the debt is {$1100.00} for magazines I never received or agreed to purchase. I again explained do not owe this debt and therefore would not pay for something I did not owe.

Company response to consumer: Untimely response
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.

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 03/31/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I made a check deposit to my checking account with Bank of America. The next day I made a withdrawal with the exact amount. On the same day, I deposited some of the money and then withdrew some again. The next day, I deposited some money and all of the sudden I received a phone call saying my bank has been closed. In addition, they put the check I deposited on hold and it wasnt clear. I tried to tell them it was officially my check I deposited from my 401k.

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 02/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option,

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 12-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF THE WEST (CO).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a jumbo mortgage with Bank of the West. We worked closely with the mortgage loan officer over a period of five months ( XX/XX/XXXX - XX/XX/2016 ) discussing our options. After Bank of the West reviewed our file, the mortgage loan officer told us that we were not approved for a jumbo mortgage, but that we would be able to procure a smaller ( {$470000.00} ) mortgage AND an additional {$300000.00} line of credit in lieu of the jumbo mortgage. She reassured us over and over that this product combination would work for us and that we would close on the line of credit within a few days of closing on the mortgage ; however, she was insistent that we had to close on the mortgage first. After we closed on the mortgage with Bank of the West, the line of credit stalled. We asked for answers on its progress for over a month before ultimately being denied the line of credit. We feel that we were misled into purchasing Bank of the West 's mortgage loan product under the assumption that approval for a line of credit was imminent. Had we known before closing on the mortgage that we would be denied the line of credit, we would not have closed on the mortgage. Instead, we would have continued shopping for a mortgage/line of credit product that better suited our needs. We feel that Bank of the West was only in the game to secure our mortgage and once that was done, the door was slammed in our face. Very, very misleading and frustrating. Now we are stuck with a mortgage that is only one part of what we were promised. We also feel that the underwriters at Bank of the West have differing and waivering standards among themselves that are not consistently applied or communicated with the mortgage loan officers and the customers. In the underwriter 's explanation for declining the line of credit, not all of the reasons given were sound and logical, and the explanation added layers of risk that were based on assumptions that could have been addressed if the underwriters had asked for clarification.

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 11-04-2015 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Attempted to contact Experian about the issue XXXX XXXX, 2017. Experian denied my request to review the account and repair the issues. I have student loan accounts that are all showing missing payments for dates of which the accounts were in forbearance. There is also a collections account that was closed in a recent bankruptcy.

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 06-08-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WI).
Issue: Deposits and withdrawals

Complaint: HiOn XXXX XXXX, 2015 I requested wire transfer of {$4000.00} to my friend in XXXX XXXX 's XXXX and XXXX XXXX, XXXX Mgr at Wells Fargo Bank XXXX Wisconsin XXXX XXXX XXXX XXXX did wire it on XX/XX/2015 Monday XX/XX/2015. She is telling me to get full details of receiver and atty. XXXX after sending wired sum that I gave in cash. 
I am unable to get their info and requested that it is Wells fargo Bank 's responsibility as they did contact XXXX XXXX 's office thru their e-mail system and it was quickly replied by his office. 
I have repeated ly requested XXXX XXXX, Serv Mgr to recall wired sum and credit my cheking account with them. She is giving me run around. 
Please help get wired sum back in my bank account with them immediately. 

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, wi-XXXX. 
Checking A/c # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CO).
Issue: Fraud or scam

Complaint: I was given a visa gift card for my birthday, with a balance of {$100.00}. The card says it was issued by US Bank. 

Several months later I removed the card from its original packaging and tried to register it on the provider 's website. When I tried to register the card to verify the balance, I found it had already been used for the full amount on the card, leaving a XXXX-dollar balance. 

I called the customer service number as printed on the card and filed a claim. I was informed the transaction had taken place in a XXXX store in California on the day before my birthday. 

This week I was informed that my claim had been denied, because I had not filed it within 120 days of the gift card 's fraudulent use. 

As the card had remained in the original packaging until XX/XX/XXXX, and there were no instructions on the packaging indicating I was required to register it within a certain time period, I did n't have any information that I suggested registering the card and checking its balance was anything other than optional. 

Doing research online, this turns out to be a widespread problem, that has been going on for some time. There are a number of articles online describing others that have fallen victim to this scam. Some claim that hundreds of complaints are received each day. 

Unfortunately, the corporation selling these cards has yet to take any action to either prevent this fraud, or to warn customers of the risk of the fraud and what they must do to protect themselves should the card 's account be used for unauthorized purchases. No warning is given that if the card is not registered within a particular time frame that the card holder will not be reimbursed for the fraudulent activity.

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 12-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Trouble during payment process

Complaint: Please be advised of the following. The response from XXXX XXXX to the Consumer Financial Board states the following : " Sent to company STATUS Sent to company on XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also called you at XXXX, on XXXX XXXX, XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. '' I checked my telephone and there was no record of a message or telephone call. The fact that JP Morgan will again use the same old tired tactic of " researching complaint '' is a tired trick by a dishonest and greedy institution. 
Just wanted to have this on the record. They have excelled in the art of deceptive mortgage practice and by stalling they hope to frustrate the consumer. Not me. Will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. 
I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. 
Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. 
I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. 
As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My original mortgage belonging to Green Tree mortgages is now owned by Ditech. According to their own statement rules, a payment is not considered late until after the XXXX day of the month. Based on my pay schedule I can not always pay on the first of each month but am able to pay well before the XXXX of each month occurs. I receive harassing telephone calls from ditech ; chiefly from XXXX, sometimes four to six times a day EVERY DAY from usually the 3rd of the month onward. When I do answer, no one on the other end responds. This is bordering on harassment and I want it to stop. 

Additionally, today is XX/XX/XXXX and I received my XX/XX/XXXX statement on XX/XX/XXXX that includes to payment statement, stub and return envelope. This happens ALL the time with these people and it has nothing to do with my local postal carrier as my other utility bills arrive in a timely manner. Please help, because my next step is to go to my state 's AG office.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Billing disputes

Complaint: Placed my credit card on monthly payment plan many years ago due to financial hard ship. Plan allowed one payment holiday per 12 month period if paid according to agreement, with proper notification to Chase bank. DUring the 5 years, I took XXXX payment holidays, with notification through the Chase on-line access. Chase has these notifications. After the last XXXX, Chase reported my account 30 days delinquent. I filed a complaint, and paid off the account. After review, they reported me late for 6 months, then 90 days late for 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I needed to set up online banking, and needed access to my account number from work ( my account statements were at home, and I was locked out of my online banking account. I called Citibank 's customer service line to get my account number and they kept me on hold for 30 minutes before ultimately telling me that they were not permitted to give out that information over the phone and I needed to go to a branch. They were extremely rude and a huge waste of my time!

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 12/28/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, 2017 XXXX XXXXXXXX XXXX XXXX , XXXX contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested XXXX XXXXXXXX XXXX XXXX, XXXX to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request XXXX XXXX XXXX XXXX, XXXX provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you XXXX XXXX XXXX XXXX, XXXX I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged rapid cash creditor and I received communications from XXXX XXXX XXXX XXXX , XXXX without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Tax lien paid back in XXXX. Reports on credit bureaus show paid XX/XX/XXXX. Information is no correct. I 've dispute this issue for a year now. I called TU and asked how they verified and was told that they did but could n't send any paperwork out or tell me how they verified. I told them I have the fair credit act on my side and I want the info. They did n't give me anything. This tax lien was paid years ago. I 've asked all credit bureaus to verify the info, they have but with incorrect information. XXXX XXXX REGISTER OF DEEDS TAX LIEN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with DIRECMANAGEMENT, INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.

Company response to consumer: Closed with non-monetary relief