milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. 

I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. 

I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. 

But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. 

You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. 

I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. 

This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several inquiries on my credit report that I did n't authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a line of credit loan with Bank of America on XXXX XXXX, 2015. Every time I contact hen for a status, I am told that my file is still unassigned. And I am told that it may take 6-10 business days for it to b assigned to a processor. Today I called and spoke to a supervisor, she tell 's me that it will be 15 days for my loan application to be assigned to a processor and that if everything is approved can expect to receive the loan in XXXX. They have all my paperwork and thy have run a credit check. If I had been informed that it would take 2 months, I would not have started this process with B of A, I would have shopped around for a more reasonable time to get the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Payward Ventures Inc. dba Kraken (AZ).
Issue: Problem adding money

Complaint: I went to send bitcoin  into the wallet that their platform generated. Through a bug in their system, an incorrect address was generated and my funds were sent to an account that, while they still have access to, they refused to fix.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to GE by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to XXXX XXXX, their Repr., XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your 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 monetary relief
Consumer complaint received 01-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OH).
Issue: Application, originator, mortgage broker

Complaint: My father passed away in XX/XX/XXXX. I inherited the residential property he owned but was not the debtor on the property. I paid the mortgage to Wells Fargo after my father 's death as I was living in the property and I, after his death, held title to the property. Then in XX/XX/XXXX, I tried to refinance the mortgage loan as I was paying the loan but could not take advantage of mortgage interest deductions as I was not the debtor on the property. The bank my parent was associated with, XXXX informed me of a new ruling through the XXXX that would allow me, the son and inheritor of the property, to become the obligor of the debt without going through the process of application necessary when assuming a loan, as while paying the loan, I was unsure as to my ability to qualify for the loan and an associated home equity loan I was also paying, through regular channels. However, when I contacted Wells Fargo, they were less than helpful and have remained less than helpful. On XX/XX/XXXX I wrote to Wells Fargo and referenced the ruling of XX/XX/XXXX namely Application of Regulation Z 's Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest ; I attached the complete ruling to my certified letter to Wells Fargo Home Mortgage. Wells Fargo requested and received by Fax on XX/XX/XXXX : XXXX XXXX for my father, XXXX transfer at date of death, Quit-claim deed, and associated papers describing the property. However, even after all of the evidence of my ownership of the property, Wells Fargo continued to address letters in reference to my claim to my deceased father. They refused to honor the XXXX 's ruling to allow me to become the obligor, instead, they have continually said they would only allow me to make an " assumption '' of the mortgage loan through regular channels. I have spoken to them numerous times on the phone, the last being when making my most recent mortgage payment, when they again offered this option of assumption. Recently I was informed that the property insurance on my home was being cancelled in XX/XX/XXXX as the property debt is still listed in my deceased father 's name ; this situation is causing me great distress. Wells Fargo is disregarding XXXX and violating a XXXX even though they were advised of the ruling and of my willingness to become the obligor.

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 03-05-2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Closing/Cancelling account

Complaint: In XXXX, I was issued a XXXX from Chase Bank for a debt they cancelled. I have contacted all three credit bureaus to have the information updated but Chase has not updated my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on my mortgage because my monthly payment increased from {$1600.00} per month to {$4700.00} per month. I hired an attorney to help me submit a request for a loan modification and my full application request was sent to Nationstar Mortgage. I was denied for a loan modification on XXXX/XXXX/2016 by Nationstar Mortgage. The reason given was due to " Investor does not allow loan modifications. '' They also state the investor / owner of my loan is XXXX XXXX XXXX, XXXX My attorney states that XXXX XXXX XXXX XXXX . does offer loan modifications and Nationstar Mortgage does participate in the Making Home Affordable program. Therefore Nationstar Mortgage is obligated to contact XXXX XXXX Bank and ask them to waive the restriction to allow a loan modification on my loan as an exception. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( not to allow loan modifications ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. Meaning Nationstar is supposed to contact the investor of my loan, XXXX XXXX XXXX XXXX, and ask them to waive the restriction to allow my loan to be reviewed for a loan modification. I do not believe they have made any effort at all to ask my investor to waive this restriction. According to the HAMP participation agreement, my attorney states Nationstar has an obligation to do this. They have not. 

Their letter simply states due to that restriction, " Nationstar, as the servicer, can not evaluate you for a loan modification ''. It says nothing about contacting XXXX XXXX XXXX to ask for that restriction to be waived and I am certain they have n't made a reasonable effort to contact them. 

I do not believe Nationstar Mortgage has made any effort to ask the investor of my loan ( XXXX XXXX XXXX XXXX ) to waive the restriction " not to modify ''. My attorney states Nationstar Mortgage ( and XXXX XXXX XXXX, XXXX. ) are both participating in the Making Home Affordable Program and therefore Nationstar Mortgage MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP or regular loan modification. I do not believe for one minute that there is no help for someone who 's mortgage payment increased from {$1600.00} per month to {$4700.00} per month. This is absolutely outrageous, unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a first and heloc with Wells Fargo Mortgage ( WFM ). I notified WFM that I was selling the home with the intent of paying all my obligations to WFM, and requested payoff notices for both loans. In a timely manner, I received the payoff notice for the first, but not the heloc. I continued to request in several more calls and finally, only days before close, did I finally receive a notice in the form of a demand, which was in fact PIF at close of escrow. Simultaneously to or at about the same time as WFM sent the demand and knew full well that my intent was to PIF, WFM reported to CRAs that I defaulted on the heloc and have refused after my repeated attempts to correct. This is of course disasterous and I need help. I have just received a wonderful new job offer that requires relocation and I am fearful that I will have trouble securing a home to rent. Thank you.

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 06/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Capital One is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being 30 days past due as of XXXX 2014, XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have a complaint on file submission number  XXXX  against Nationstar Mortgage and  XXXX    XXXX   XXXX   XXXX . My property address is  XXXX   XXXX   XXXX   XXXX , TN  XXXX . Nationstar Mortgage received a certified copy of my complaint on  XXXX   XXXX ,   XXXX   and  XXXX    XXXX   XXXX   XXXX  received a certified copy of my complaint on  XXXX   XXXX ,   XXXX  . Neither provided any written response to my documented complaints. Today  XXXX   XXXX ,   XXXX   I discovered that  XXXX   XXXX   XXXX   XXXX   has filed trustee 's deed paperwork in the Tennessee  register of d eeds office   XXXX   XXXX   XXXX   dated  XXXX   XXXX ,   XXXX   suggesting that they have foreclosed on my property and that the property has been sold to  XXXX   XXXX  -BACKED PASS -THROUGH CERTIFICATES   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  AS TRUSTEE for {$72000.00} as the highest and best bid offered and deed of trust transferred to the same. They allege that said sale was postponed until  XXXX   XXXX ,   XXXX   and I received no written notification or other correspondence from  XXXX   XXXX   XXXX    XXXX  n or Nationstar  that there would be a foreclosure sale on that date. They have committed fraud and conversion against me and used deceptive tactics in an attempt to rob me of my home. I further do not believe that there was a legal, public, foreclosure sale held in reference to  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I have not voluntarily granted the deed to my home to any entity and I have received no correspondence addressing my previous complaints, nor indicating that any deed transfer would take place on  XXXX   XXXX ,   XXXX  . Their actions are malicious, deceptive, and violate the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I 'm highly disappointed with American Express. I 've been a XXXX XXXX Rewards card holder for over 4 years. I have excellent credit and have never missed a payment. My wife recently ( joint card holder ) sent me a payment via XXXX and she thought that she was using a new debit card. Instead XXXX used the Amex that was originally linked to the account. We tried to cancel the payment after we discovered the error but were n't allowed to cancel. Was n't a big deal in our opinion but days later American Express cancelled my account. When I called in to see what the problem was, I was told that Amex does n't allow you to send payments to yourself and that my account could not be reinstated. That is extremely harsh considering it was a simple mistake that we immediately tried to remedy. I 've never had any previous issues with Amex or it 's customer service up until this point. Over 4 years of excellent credit history whipped away due to a simple mistake. I was told that I could reapply in the future, but with this level of treatment I 'm sure I 'll never do business with American Express again. I 'll definitely advise anyone I know to steer clear of Amex products.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Home equity loan or line of credit) with KEYCORP (ME).
Issue: Application, originator, mortgage broker

Complaint: I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my reports.

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 06-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My account with Bank of America is  3 ho urs which is causing me to not be updated on time and becoming overdrawn at times

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 09/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Report shows " Account in dispute '' and have had no update in six months

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 06/21/2017 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On multiple occasion we ( members of the family ) tried to close my elderly fathers account at Key Bank. I am a POA and showed up with it in hand and the POA was turned down. The reason for trying to close the account is because after getting into my dads finances i discovered {$1000.00} of dollars in nsf fees. My parents had a very low debt ratio so it was clearly them being elderly and making mistakes managing their money. A financial institution should recognize this and close their account. My dad just passed on XX/XX/XXXX and we attempted again to go close his account and where turned down because we needed a death  cert and a short form which will not happen until me the executor is sworn in.. My dads other bank closed the account with just a death cert and copy of paid funeral bill. Key Bank since has charged him another {$7.00}. This is a disgrace to our elderly and i feel the bank is charging fees to help their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. 

XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not 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 non-monetary relief