milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower is deceased and the Estate needs communication with the mortgage company. However, the mortgage company continues to deny receiving the authorization letters. Several attempts to preserve the estates interest have been rejected and now the property is scheduled to foreclose. The estate sale of the real property would pay the mortgage company in full and the equity would be issued to the heirs. The mortgage company is Chase. There is no reason to foreclose on the property especially since foreclosing would deprive the heirs of their equity. It 's a simple probate with XXXX real property asset to sale. The necessary time needed is 3 months or less and the administrator would make mortgage payments until the close of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Rent Recovery has continued to report this debt as open and owed. This was included in a bankruptcy that was discharged XX/XX/2015. This company refuses to close and stop reporting. The RR rep at one point said it would only be removed if it was paid even though it was discharged!

Company response to consumer: Untimely response
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Rent Recovery by certified mail they have accounts for the same amount on my credit twice. I have no knowledge of this debt and asked for it to be removed. XXXX is on my credit report twice I asked for both accounts to be removed it is no my account and it is past the limitations for the state of Georgia. They also have a XXXX listed that I have no knowledge of the failed to respond to my letter. I will take legal action if this is not corrected I will enclose the proof and that it is on my report twice for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This company called my personal cell phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with fraud alerts or security freezes

Complaint: The Credit Bureaus are required to let me put a freeze on my credit report. I have been trying for several days to put a freeze on my Equifax credit report. When I enter the data in their online form I get an error. The is no number listed on their contact page for calling to freeze a credit report -- the links just go to the online form. When I call the fraud alert number ( XXXX ) all I get is a busy signal. 

I want to emphasize that this has been happening for several days. It is n't a one-time occurrence or short term outage.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had leased items from USA discounters My apartment got broke into twice and I just got back from XXXX and was XXXX I 'm now XXXX I submitted police reports and inventory and they would threaten me call my chain of command and kept making me make payments on items that where supposed to be covered in the event of theft now its on my credit cause me problems iv got copies of the emails from them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: Equifax refuse to include my maiden name. I 've submitted my drivers license in XXXX. My married name is XXXX. All of my former employers have been deleted. I sent a current copy of my social security card with my name as XXXX XXXX XXXX. I 've sent a copy of my IRS statement showing my name change.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Checking account) with STERLING BANCORP (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SOCIAL XXXX I USED TO HAVE AN ACCOUNT WITH XXXX XXXX, NOW NAME STERLING XXXX bank, located XXXX ny. what happened was that my account was only negitive XXXX dollars then all of sudden the bank closed my account unlawfully and started to charge me a ton of overdrafed fees even when the account wasv closed, i just owed them XXXX dollars, but my balance went up to over XXXX dollars. i talk to them several times to explain that the balance is wrong please credit the incorrect balance and they refused to remove those unlawful fees. off my account and they got so nerve to send my account to an attorney, also the bank is trying to used muscle on me by imtimadating me please have XXXX XXXX now sterling bank correct my balance so that i can pay the negitive correct balance the manager that works at the XXXX XXXX branch is a XXXX .also my job is next to the bank, when the workers get off of work they take the train next to my job where i work and look at me strange like their imtimidating me because i owe the bank money, like the manager and the other workers also talk to each other and look mad at me and then get on the train while im cleaning it. to me thats illegal, there cameras where i work showing those workers get on the train when their going home from the bank. the only was im going to pay this balance is when they credit the balance to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Fraud or scam

Complaint: I opened an American Express Bluebird account for my kids and grandkids. With this account you have a choice of adding funds at a XXXX or online. I tried to add fund online and I received a security notice. I called the security number and I was told I need to email them my driver license or stay on the line while they call my bank while I verify my information. I told them no I will not email my driver license to them in XXXX XXXX they said then I ca n't use my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE THE FOLLOWING INQUIRES ON MY CREDIT REPORT TRANS UNION REFUSES TO EVEN LOOK AT AND DIRECT ME THE COMPANY. I HAVE SENT LETTERS TO THESE COMPANIES WHO WONT EVEN RESPOND. I CALLED TRANS UNION AND THEY SAY NOTHING THEY CAN DO. I HAVE NO KNOWLEGE OF ALL THESE INQUIRES. I HAVE NOT REQUESTED CREDIT FROM THEM. NOR DO I  HAVE AN OPEN/CLOSED ACCOUNT WITH THEM FOR THE HARD INQUIRY, I HAVE ASKED THEM TO SEND ME PROOF OF THESE INQUIRES FOR MY FILES AND THEY WONT RESPOND TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 03-02-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: This is about Toyota Financial Services. 

I sold a car to a Toyota dealership. I had a remaining balance in an auto loan with Toyota Financial Services ( TFS ). The dealership paid off to TFS right away, but hasn't paid a remaining amount of money to me yet after 2.5 months. The problem is TFS released the lien to California DMV without checking the dealership has paid me.

This might be a general issue with auto financial institutions that customers don't have a way to be saved in the case a dealership ( or a buyer ) refused to pay and a financial institution released a lien to DMV. I can see financial institutions wouldn't care beyond what they are supposed to get paid. But, this puts customers at an unfair situation that they don't have a way to enforce payment from the dealership ( or the buyer ). 

Events - XX/XX/XXXX : Sold a car ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX, CA. The dealership ( buyer ) to pay off {$6600.00} to TFS and pay {$6900.00} to me ( seller ). 
- XX/XX/XXXX : TFS released the lien to CA DMV.

- XX/XX/XXXX : 2 months passed. I contacted the dealership to the status. They claim TFS hadn't released the title of the vehicle. ( I haven't checked with TFS if this claim is true. ) - XX/XX/XXXX, and XX/XX/XXXX : I kept contacting the dealership. They kept saying they will check but no status update. 

Either of two happened : ( 1 ) TFS received a full payoff money, but hasn't released the title to the Toyota Dealership. 
( 2 ) TFS released the title to the Toyota Dealership, but the dealership holds the money with no legitimate reason. 

The point of this complaint is about ( 2 ). If ( 2 ) happens, there doesn't seem to have a way to control the bad behavior of a dealership. What I suggest is for financial institutions make sure the promised money actually transferred to the customers ( like in buying a house ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted an online bill payment to Ditech for a mortgage payment on XX/XX/XXXX and confirmed with my bank ( XXXX XXXX XXXX ) that the payment was mailed XX/XX/XXXX. I was advised by a Ditech rep XX/XX/XXXX that payments are backdated based on when payment was postdated, which I learned later may be incorrect. Ditech posted my XX/XX/XXXX payment on XX/XX/XXXX and reported 30-day late with all XXXX major credit bureaus. I called Ditech XX/XX/XXXX and they advised me they would escalate my customer service issue to a supervisor named XXXX XXXX so they can review recorded calls substantiating how I was misadvised on payment processing/posting times. I did not receive a call or any correspondence from Ditech so I conducted a conference call between my bank & Ditech to resolve payment issue on XX/XX/XXXX. I spoke to XXXX XXXX at Ditech and she was very dismissive of my request and became very agitated indicating there was no wrongdoing on their end in regards to posting 30-day late. I simply asked how they verify when a mailed payment was received and she gave me XXXX inconsistent responses. The first response indicated a Ditech employee stamps the payment with a date of receipt while later during the call, she indicated that I should call the XXXX post office because they stamp when it was rec 'd. Understanding that the call would not result in a resolution, I ended the call respectfully. I was wrongfully treated as a customer who habitually makes derogatory payments. I work in the mortgage industry and understand the importance of making timely payments. I have not had any 30-day late payments since XX/XX/XXXX, which is testament to my character and willingness to pay-as-agreed but Ditech thought otherwise and was unwilling to further investigate why the payment was processed a week after it was sent out when my previous 6 payments were made thru the same system but was posted within 1-2 days of when it was mailed. Please contact me so I can provide more details and provide documentation to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please be advised that i am disputing this collection due to the fact that credit collection services XXXX XXXX XXXX XXXX, MA XXXX Does not have a current license is missouri to collect on debts. This information is stating that their license is forfeited according to the secretary of state missouri. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Credit Collection services are licensed to collect in missouri. Your response is greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
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: On XX/XX/XXXX someone used our Bank of America Visa card number to charge {$1000.00} for a body building XXXX drink supplement ( Grocery category ). Bank of America recognized this as fraud and quickly contacted us and issued us new cards and reversed that one charge. Shortly after that transaction there were two smaller charges that were also fraudulent/not done by us. Both were on XX/XX/XXXX with merchants that appear to have no online shopping presence. One of them was In Connecticut by the shore ( {$50.00} - XXXX - XXXX - but the " online '' store feature is not setup yet ) and one was in Florida ( {$30.00} - XXXX XXXX, XXXX, FL - no website ) so it looks like these were point of sale transactions. We contacted Bank of America to dispute these two charges as well, but the rude representative and her supervisor claimed at least one was done " with a chip '' so it had to be us. A reasonable person would conclude that since there was a fraud/stolen credit card number within that same week timeframe that it is indeed possible there might be more than one fraudulent charge, especially since two were done 1,200 miles apart on the same transaction day. 

We were in XXXX Connecticut on XX/XX/XXXX and in New Hampshire on XX/XX/XXXX with both of our cards so the Florida charge is obviously a fraud. The " facts '' were relayed to Bank of America and they were provided with a transaction receipt from another credit card company showing we purchased gasoline in New Hampshire on XX/XX/XXXX - faxed them documentation. This is the first time we have ever had a credit card company basically insinuate we were lying and made the charges. We both work for a state Judicial Department and are age XXXX with credit ratings of over 860 and will file a small claims case in court if necessary against Bank of America and will also contact the consumer advocate at a local TV station. I realize it 's only two small charges totaling {$80.00}, however Bank of America seems to have a lot of complaints from people in our situation so it 's a matter of principle. 

I placed another ( third ) call on XX/XX/XXXX and this representative was professional but still no resolution yet, hence this complaint.

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 01/16/2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company will no longer take payments from me because they were not able to insure my loan and decided to sell the company and call my loan due. In turn started to report 30 days late every month that i could not pay the full balance and this is not the terms on my contract, therefore they need to remove the 30 days late per the original agreement on the contract as they have changed the terms without me agreeing to them.

Company response to consumer: Untimely response