milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hello, It is time to do my XX/XX/XXXX taxes and today ( on or about XX/XX/XXXX ) I called Wells Fargo because I had not received my XXXX for my interest bearing checking account that I have had for decades. They informed me that last XX/XX/XXXX, they changed my account ( and all/ everyones interest bearing accounts of this same type ) to a non- interest bearing account and went to on line statements. ( they sent me a privacy notice in the mail but did not inform me of this change by mail ) Their website now says that posting on line counts as their notification. My account did qualify for two interest bearing accounts but they just changed mine -and everyones, according to them- to the non- interest bearing account. I do not believe it is nor should be legal to change an account from an interest bearing to a non bearing account without actual notification. Is this a cross selling derivative? I am willing to join or institute a legal action against Wells Fargo for this obvious unethical and possibly illegal behavior. I did try to talk to Wells Fargo but it was unsuccessful. 
Please help me recitify this abuse of my and others accounts. 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 non-monetary relief
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by IC systems approximately 1 month ago requesting payment for a debt that I had previously paid over 2 years. After I informed them of this, they indicated that because the company was based in NY XXXX, the state laws require the company to validate the debt first -- if they could not validate that the debt was not paid, there would be no additional action. At that time, the collection had not been reported to my credit report and I was explicitly told that if the company could validate that the debt was not paid, it would not be reported until I was contacted to provide additional verification. Approximately 1 month later, I was notified that there was a new collection placed on my credit report. When I called IC systems to inquire, the indicated that the debt was validated as still outstanding by the vendor so it was reported to the credit bureaus. After extensive discussion where I indicated that this was not the agreement made with the previous representative, I was told that they only way they could " delete '' the listing on my credit report was if I paid the debt but that this was a " XXXX time '' agreement and I needed to make the decision now. Because I had paid the debt previously, this amounted to extortion - I was forced to make a decision to pay the debt again or deal with ongoing disputes with credit agencies providing documents verifying the amounts ( which I have ) with not certainty that it would be removed. Given the lack of certainty and the fact that I was " forced '' to make a decision on the line, I opted to pay the debt. 

At this point, I have already paid the debt and hopefully this will be deleted from my credit reports as promised. That said, these practices at the least are extremely unethical and most likely illegal. First, misleading me about the process with respect to a dispute process and then posting to my credit report without informing me about the result of that process is bad business practice. Second, threatening that deletion would not occur if I did not pay over the phone is extremely disappointing and represent extremely questionable tactics on the part of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: 2 years ago now I got a pay day loan and when it went through the company put it through twice. They have tried to charge me twice now for one payday loan and because of their mistakes that I should n't have to pay for. It was for 150 or so the collection agency has called my family and friends told them about the debt threatening them that they will be sued or go to jail. Doing the same with me I have many many voicemails saved of them trying to act like the cops and black mail money from me and my family. I have tried to settle but they are rude curse hang up on me and say I 'm being charged with check fraud. I did n't do anything wrong and I have read online about a lot hundreds of others that they have done this too for an extra buck it 's wrong and people that do n't know about fair debt collection act do n't even have a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently in the process of purchasing a home and had my credit pulled. It came to my attention that Bank of America posted an erroneous Mortgage Account XXXX with Late Dates : XXXX, XXXX and states consumer disputes - reinvestigation in progress ; foreclosure ; 180 days or more past due. The account shows a zero balance and zero payment due however reflects late payments? This is direct violation of the FCRA ( fair credit reporting act ) and should be removed from XXXX, XXXX, and XXXX completely as it is completely false reporting. My Bank of America mortgage was closed in XXXX. I would also like a letter faxed to me at XXXX on Bank of America letterhead stating this was posted to the XXXX bureaus by mistake and this account is not late nor is it even an open account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different " supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment, loan transfer or a loan pay off. I demand that the loan is closed out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Payday loan () with Oportun Financial Corporation (CA).
Issue: Can't stop charges to bank account

Complaint: Progreso Financiero is Poising my Credit Score every month, I told them 2 years ago I 'm not able to Pay, I was in a Car Accident and was not able to pay, I still owe money to some Medical Facilities and Keep paying as today, but they decide to Poison my Credit and want me to pay more than I can afford and I ca n't, since then every Month they send to the Credit Company 's like XXXX that my Account is Delinquent Account and is Collection/Chargeoff, I been paying other credits cards and other bills on time but my credit is still in XXXX because of them. 

I Send an email to the Credit Companies like XXXX and XXXX and they Still allow them to do it, I feel Hopeless and do n't know what to do, When the financial market broke in 2007 I also lose my Job was not able to pay, I file for bankruptcy and my credit was getting better after that. but I was in an accident years latter and now this Company has been tide my Credit for the last year just because they want to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I had a corporate credit card with American Express. My company decided to leave American Express and move their corporate account to XXXX, at the end of XX/XX/XXXX. I had a positive balance in my account, so I requested a refund, which I had to do through my company, as told to me by American Express. 3 months, XX/XX/XXXX, later I received a refund for around {$250.00}. The next month, XX/XX/XXXX, I get a statement for a bill say I owe exactly the amount of my refund. I call American Express, and I get told that there was a mistake made on their end, that the system shows XXXX checks were issued, and that they will simply cancel XXXX of them and everything is resolved. Next month I get a statement for the amount of the refund plus a late charge. I call again, they apologize and tell me everything is taken care of. They even assure me that it is, and that I wo n't be getting any more statements. Next month I get a statement, still owe the {$250.00}, plus a late charge, and now plus another late charge. I call again and get told it 's resolved, so sorry. Next month, another statement, and then another, and another, late charges added each time, the amount owed grows to {$500.00}. I call and try to get it resolved, but now they tell me the account is closed, been sent to a collection agency. Collections? For what? A mistake they made in their system as they have never sent any proof that XXXX checks were issued, and that XXXX checks were cashed, because that simply never happened. Now they send me a letter saying they will settle my account if I just pay the original {$250.00} plus a little, and not the whole {$500.00}, 14 months later. So I call them up, with the number provided, and they tell me they will open a dispute, but I say I want it resolved now, so I get to talk to the supervisor, who passes me along to card services, who sends me to corporate accounts, who sends me back to collections ( which appears to be in XXXX, not that that has anything to do with anything ). I wo n't hang up until I get to talk to the investigator in the dispute department, but they tell me they do n't have that number and they hang up on me. They have destroyed my credit rating, had collection agencies call me on a daily basis, at both my cell phone and office line, have passed me along to department and department. One time they even said the issue was with my company 's accounts payable department, and I should dispute it with them. I have never in my life been treated so poorly for a mistake not of my own doing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I received a updated credit report in which this company was listed as a new collections account on my credit file for XXXX the company has not tried to contact me at all. I even tried to call and see where this alleged debt came from. They could not even locate me in there system! This debt is causing me not to get financing for a home I have work really hard to get! I have not been contacted and was not notified that this account was going on my credit file. I want this account removed until it is verified and Validated by me according under FCRA.Under Fair debt collection practice act I have the right to have accurate and correct information reported on my file! I also have the right to be notified upon placing a account on my file!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Since XXXX XXXX, 2017, I have been disputing a fraudulent account on my credit report with Central Financial Control ( a.k.a. Syndicated Office Systems ). Syndicated Office Systems continues to ignore my correspondence and instead states the account is in there " Disputes Department '' the same response I have received for the last 3 months. The Customer Service department refuses to transfer me to speak to them directly and instead states that I must send all correspondence via US mail which I have on several occasions. Today I have sent over 6 letters only to receive a computer generated response stating they are unable to clearly read my Drivers License ; this is incorrect I have sent clear copies of my drivers license on several occasions. I have a police report on file regarding this account and have also filled out a Identity Theft Report with the Federal Trade Commission. All documents have been sent via certified mail and fax on several occasions. Syndicated Office Systems is illegally reporting this account on my credit file and is doing everything they can to avoid removing the account. This is illegal! I will attached all copies here as verification of what was sent to Sydicated Office Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with Vantage Sourcing, LLC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

" Dear XXXX XXXX, In the interest of getting this notice to you as quickly as possible, we thought you would appreciate receiving it in an email. Our records indicate that we have your permission to communicate with you at this email address. 
If you are not XXXX XXXX, please click here or call us at ( XXXX ) XXXX to remove your email from our mailing list. 
If you are XXXX XXXX and you do not wish to communicate through email, please click here or call us at ( XXXX ) XXXX to receive no further email communications. 
To maintain security and for your protection, we have securely encrypted the attached document. To open the PDF attachment to this email, you will be asked to enter the last XXXX digits of your social security number as your password. We look forward to speaking to you soon at ( XXXX ) XXXX. 
Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
Get XXXX XXXX XXXX XXXX attachment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015 I wired a mortgage payoff to Ocwen Loan Servicing as part of disbursing a refinance loan I closed. I own a title company and disbursing loans is a major part of my job. The payoff letter states that " ... upon our receipt of the entire payoff amount, Ocwen will execute a release and discharge of the Deed of Trust/Mortgage .... ''. The payoff was wired to Ocwen on XXXX XXXX, 2015, and as of today, XXXX XXXX, 2015 the mortgage remains open of record. I called Ocwen to try to resolve this issue and they told me that they will not speak to me about this matter, only the owner of the property will be spoken to. I am not in the habit of bothering clients to chase down their cancelled mortgage documents and I believe Ocwen is acting unreasonably in this matter. As part of my normal course of work I had to issue a title policy to the new lender at the time of the refinance, giving them XXXX lien position. I did not hesitate to issue the policy because I knew that I had paid the mortgage in full, recorded the new mortgage and the other tasks necessary to fund a loan. I now find myself not knowing what to do since Ocwen is refusing to help me. I am the person that ordered the payoff letter, so I must be an authorized party to speak with them. It is imperative that Ocwen cancel this mortgage of record.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (TX).
Issue: Managing the loan or lease

Complaint: Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. 

When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. 

These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am  XXXX . I suffer from   XXXX   XXXX  y. I was working while attending the school that I obtained a loan for. At a certain point my  XXXX  had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  Mothers  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.

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