milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Company was persistent and I told them to not call me anymore. Then one day, I received a call from my mother advising that she was informed about my debt from this debt collector. I do n't believe it was right to release this information, as they informed her about the amount I owed. This was my first issue with the debt collector. 

Then, in good faith I began to have scheduled payments taken out of my bank account every month with them in 2015, then one month I called in advance advising them that I had a new job and since I now would be working with the state, I would be paid monthy instead of biweekly and needed to have a payment date moved. They agreed. However, the amount was still taken out of my account and I received overdraft fees. 

I then, called and asked them to reverse this. And the debt collector said that I never had called. I find this to be unethical. I did everything I could to do the right thing. I had to call my bank and tell them that this was unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX claim that notification was sent to an address that was and address that was a temporary that I had n't use for 3 years, even though they had my correct address. XXXX XXXX XXXX XXXX XXXX went in front of XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with out notifying me and lied to the Judge that he was suiting me for XXXX XXXX Bank alleging I owed XXXX XXXX Bank {$17000.00}, XXXX XXXX believed XXXX XXXX XXXX lie and awarded his a judgement, I was not made aware of this until I went to sale my home on XX/XX/XXXX, I hired and attorney XXXX XXXX of XXXX, GA who arrested on or about XX/XX/XXXX for doing the same thing that XXXX XXXX XXXX does collect checks supposedly for some XXXX else but depositing in he account. Attorney supposedly sent a letter to XXXX XXXX XXXX informing him that instead of me paying him {$17000.00}, I agreed to pay him {$5000.00}, after approx 4 days XXXX XXXX got back with me and informed me that XXXX claimed that XXXX XXXX Bank authorized him to settle for {$11000.00}, because I was leaving to live in the XXXX in I short while I went for it. Then later on I requested a copy of the check ( copy attached ) and noted that it had been deposited in XXXX 's account, I emailed a copy of the check and a letter ( copy attached ) to XXXX requesting a receipt from XXXX XXXX Bank and the statues of and balance of the account. He sent an email to XXXX XXXX but he did not reply to me I emailed XXXX XXXX and got no reply, I requested a friend stop by XXXX XXXX office to see why he did not reply, this friend informed my of XXXX XXXX 's arrest. I am a XXXX service connected Veteran that was unexpected terminated from my Federal employment because this condition that I could not get the VA to address, this caused me to have to go to private doctors for treatment, now I still have medical bills that I expected to use the proceeds from the sale of my home to pay them down. I can not understand how some one can lie to a judge take my proceeds and still lie about it and not give me a receipt from XXXX XXXX Bank because he states he can not talk to me because XXXX XXXX is my representative I do n't think I need to talk to to him to get what I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under XXXX 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX  Refuses to remove it. They hang up on me every time I try to talk to them about this.

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 03/31/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I purchased our home in XXXX 2013 and our mortgage servicing was transferred to BB & T. BB & T has been completely negligent in how they have handled our escrow account and our loan servicing, in general, and has cost us an immense amount of time as a result. They applied a payment incorrectly, only to re-allocate it when we received a collections call and disputed the alleged missed payment. They have also mismanaged our escrow account and, as a result, we believe that they have not given the full refund required under RESPA. They have overstated the premium paid for flood insurance despite our providing them with notice of the error in their records. BB & T has also made a practice of harassing us for alleged insufficient insurance coverage, even though our insurance coverage has always exceeded the XXXX of our loan as well as our property value. After spending countless hours on the phone they finally advised us that BB & T has an undisclosed policy that homeowners ' and flood insurance coverage amounts match exactly. We have corrected the difference and BB & T is still harassing us with letters claiming that we have insufficient flood coverage and threatening to purchase force placed insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (TX).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX I financed a Flat Screen TV through Best Buy for around {$1800.00}. I purchased it on 36 months same as cash promotion. I made all of my payments on time and when I went to make my online payment this month ( XX/XX/XXXX ) my balance increased {$1800.00}. I called the lender, CitiBank to go over this situation. They informed me because I did not payoff the balance of {$610.00} remaining on the loan as of the close of XXXX they added the {$1800.00} to the loan. This is more than the TV cost me 3 years ago. I advised them offered the option of a monthly e-mail payment reminder and I could be eco friendly by paying on line, which I chose. This does not show you when your promotional offer is expiring unless you click the link to the statement, which I rarely did since i would just verify the balances each month based on what I paid the prior month. show you when the promotional offer is up.This is very misleading because unless you click the link, you would never see when the promotional offer is expiring. I offered to payoff the balance and the interest due on the balance and they advised me they would not do this. I spoke with a person named XXXX. He would not give me his last name nor would he give the name, number or let me speak with his supervisor. This is unacceptable. Had they advised me of this on the monthly payment e-mail reminder I receive, I would have paid this off in full. They told me I am responsible for this. I was mislead about the interest being retroactive on the original loan amount nor was I ever advised on their monthly e-mail pay reminder the promotional offer was expiring. I realize this is on the monthly statement but I decided to go green with the payment reminder to be eco friendly and it cost me because unless you click the statement link, you will never see this. I have no problem paying the interest due to my mistake but not on the original loan amount. I truly believe this is a deceptive practice promoted by CitiBank to take advantage of honest people. I am sure this has happened to many others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Mortgage debt) with KONDAUR CAPITAL CORPORATION (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On X/XX/17, I purchased a property from XXXX. Shortly, thereafter, I was called by a representative from Kondaur Capital Corp. stating they held a senior loan on the property ( taken out by XXXX XXXX, deceased ) that I purchased and demanded I complete a payoff to prevent foreclosure of his mortgage. ( Neither me or my corporation have any contractual obligation for those debts. ) During our email conversation, I instructed both both the representative, XXXX XXXX, and the main office that I only wished to be contacted in writing to the address listed on the state of Florida 's Division of Corporation for my corporation. However, they continue to email me to threaten me with foreclosure and to pressure me into accepting their offer for {$3000.00} in exchange for my deed in lieu of foreclosure for a property that I have over {$70000.00} invested in. Because I have consistently declined that offer and have stated that there would never be an acceptance of such an offer, continued emails to make such an offer are harassment, which is illegal. The most recent email came in yesterday at approximately XXXX XXXX. I want this activity to stop and for KCC to be held accountable to the fullest extent of the law for their unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account was paid off and has continued to show late payments. The payments showing are still showing late.I spoke to the company and they stated they are NOT reporting it late.  ( I   'm not sure who is reporting it, but it is incorrect ).      CAPITALONE  Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened   XXXX   Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated  XX/XX/XXXX  Balance {$5300.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$5300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone (  XXXX  )  XXXX  Contact Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX  Ownership Individual  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Failed to pay DISPUTE GUIDE >

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Today, XX/XX/2018, I was advised that because of a freeze on my credit data reporting by Experian, a prospective landlord and XXXX XXXX XXXX XXXX in XXXX, CA could not check my credit. I had placed freezes on all 3 credit reporting agencies after the XXXX data breaches a couple of years ago. I have my Freeze PINs so I logged onto Experian and followed their directions to remove the freeze, but I have spent several hours at it and keep getting a message that they are unable to do it. I tried calling the telephone number at which I am supposed to be able to remove the freeze, but the robot voice only offers the option to place a freeze, but not to remove one. I've been at this for hours and have been frustrated at every attempt. I can't reach a human being at Experian of get their processes supposedly in place for this to function. I can't even get into the XXXX website.

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 07-05-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XXXX17 I tried to cash a check at the Wells Fargo branch in XXXX VA. A client of mine has an account there and I tried to cash a {$200.00} check that he gave me. I was asked for two forms of identification which I provided- A valid Virginia drivers license and a current credit card. Then I was asked to provide a thumb print. I find that outrageous and probably illegal. How can an FDIC insured bank be allowed to accumulate non client fingerprints? <P/>When I refused to provide the my thumbprint, they refused to honor my client 's check.

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 09/23/2016 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Billing statement

Complaint: When I log into the Chase Sapphire Visa website, the total " Pending Charges '' amount displayed is inaccurate. If you add up the itemized pending charges, they total more than the " Pending Charges '' amount displayed by Chase. For example, on XX/XX/XXXX, the web site displayed my total " Pending Charges '' as {$730.00} but the itemized charges listed below that number actually total {$1700.00}. Please see attached screen shot. I contacted Chase about this issue at XXXX on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know what this bill is and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This complaint concerns ED Financial 's unwillingness to reapply a payment. On XX/XX/XXXX I made a payment to my ParentPlus loan for {$8500.00}. This was a tuition refund from my daughter 's college because she decided to take a term leave. Therefore, I immediately made the corresponding payment to my ParentPlus loan. 

However, EDFinancial misapplied the payment to my other student loans which I have been repaying over an extended ( 20 year ) period since XXXX. I incurred these loans when I was in grad school. I suspect EDFinancial applied the payment to these loans because it had a 4.125 % interest rate versus the 6.31 % ParentPlus loan. 

I contacted the servicer on XX/XX/XXXX by phone and by email to request reapplication of the payment into the correct loan group. EDFinancial replied on XX/XX/XXXX asking me to contact the new servicer instead. Unfortunately, I do n't have access to the new servicer yet because my original student loans ( from grad school ) are now under review for the Public Service Forgiveness loan program. I am afraid that if left uncorrected, my loan balance that qualifies for loan forgiveness will be lower by {$8500.00}. Also, I will be left with a ParentPlus loan with a higher interest rate. 
I am hoping you can help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (I do not know) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/22/2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Rash Curtis and Associates contacted me twice after receiving a certified letter asking for proof of debt and to cease and desist communication. The letter was received XXXX XXXX at XXXX. 

I then received a robocall and after a brief dialogue, informed the first representative that I work at home, the call was interfering with my job, and I previously asked not to be contacted. A couple hours later, the robodialer called again and the second representative confirmed notes from the first call. 

The frequency of automated robocalls indicates the beginning of a harassment campaign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease

Complaint: I was reviewing my ( 3 ) credit reports and found an error. It was information from Chase Auto Finance ( Chase Bank ). The reports states Paid, Closed. {$1300.00} written off. I contacted Chase in the earlier part of XXXX XXXX, stating that my car note was paid in full and not charged off. I received a response on XXXX XXXX, XXXX, indicating that I have paid off my loan and the title was also sent. By XXXX XXXX, XXXX, my credit report was still indicating " Charged Off. '' Chase sent me another letter on XXXX XXXX, XXXX, indicating that they would research and review the issue. On XXXX XXXX, XXXX, I received a refund check from Chase indicating that I overpaid on my car note. However, my credit report is still reflecting as " Charged Off '' and it 's listed as a negative account. I am only requesting that the information be updated and as paid in full and not " charged off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I opened a Stash Rewards credit card and set up my online account. I made a few purchases then XXXX large purchase of around {$2200.00} that was declined and set off a fraud alert on my account. I called Synchrony Bank to inquire why the transaction was declined and the told me I needed to send in identification verification to them in order to lift the hold from my account. They said it had to be mailed in and not sent by email. I mailed them the items they requested. Two weeks later I called them up to find out the status and was told they did receive my ID documents and still needed to review them. She said I would be informed of their decision in 7-10days. Three weeks have passed without a word from them. Today I received an email stating my payment is past due and to log into my account to make a payment. I attempted to do just that but I 'm still locked out of my account. 

I sent the documents they requested and still have no access to my credit line or the ability to make a payment. I need help resolving this matter with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There has been a huge miscommunication between XXXX XXXX AND XXXX  ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.

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