milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: I signed up for an American Express XXXX credit card with an awards points offer. I met the spend limit but my awards points are " locked '' because my account is under review per the awards team members I have spoken with. They told me my points could be locked for XXXX8 weeks during the review. I am trying to use XXXX of the XXXX points I have to book travel with my family. I do n't understand why it would take XXXX8 weeks to verify my spend on the card. They do n't expect me to take XXXX8 weeks to verify the charges and make payment when they send me a statement. 
When I called to talk with American Express about this issue they told me that 's just the way it is and there was no one I could talk to about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent Trans Union evidence that I made my mortgage payment on time in XXXX they refused to take it off my credit report

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 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Service Bureau Inc (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with Rent Recovery Solutions (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Credit card) with ARS National Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Credit card) with NORTHLAND GROUP INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: During the time I acquired a debt with XXXX XXXX unfortunately I was XXXX ill and was unable to meet my obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've reported a number of complaints to CFPB regarding Chase Home Mortgage. My home was sold in XX/XX/XXXX through a negotiated short sale with Chase Home Mortgage. The sale closed as a short sale, there was no XXXX and Chase never took possession of my house. Chase continues to report this sale as a Foreclosure and I 'd like to understand why they are permitted to do so when none of the elements listed by the FTC as constituting a foreclosure occurred? Chase is retaliating against me and holding me hostage in my life by purposely and intentionally trying to damage my credit. A short sale is only to be reported for XXXX years and Chase is incorrectly reporting a foreclosure on my home when they do not dispute that the sale of my home closed as a short sale with no bank possession or sale. Why is the CFPB and the FTC allowing this behavior by a financial institution? I 've never had any other negative items in my credit history. In responding to my complaints to the CFPB, Chase continues to call me only to check the box with you bureau and only to say they are reporting correctly and refuse to change it. What are we to do as consumers? There is no dispute and ample proof that my home closed in a short sale with none of the elements listed by the FTC as constituting a foreclosure. What is a consumer to do? 
This is what XXXX is reporting from Chase regarding my home : Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Conventional Real Estate MortgageAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit -- Term 30 MonthsMonthly Payment $ XXXXXXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXXXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late XXXX/XXXX/XXXXRemarks Foreclosure discontinuedThey " referred '' my file to their foreclosure department after Chase agreed to a short sale and the short sale closed - how is this legal? They are preventing me from obtaining financial backing in my professional and personal life and lawyers tell me there is no basis to sue - not because of Chase 's conduct, but because the CFBP has not enforced any regulations against the banks for their misconduct. The FTC should remove their instructions to consumers on how to direct a lender to correct false information regarding their mortgage because Chase has refused to follow the FTC requirements - so what are consumers to do at that point?

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They need to stop calling me repeatedly about a utility bill that was supposed to be under medical certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with I.C. System, Inc. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/2015 I contact my bank and XXXX and there was no charge to my credit card except the amount of {$1.00}. I then asked XXXX what 's going on again I paid you took my credit card why is my account still not working saying I owe you money. 
The lady named XXXX said you are in collections again. 
I said I called the icsystems and I am not in there. She said you have to call them again ok so I did now all of a sudden with her on the phone there was a case in ICsystems.com with a case number of XXXX. She said that case is no longer with us I said how come I never received a letter from you. She said again she could not consult anything with me about XXXX. So not XXXX from XXXX resolution department said that I have to call this number XXXX I said who is this this is the collections she said. 
So I called it and it was XXXX asking me to pay another {$190.00}. 
I said I just paid you this through my card yesterday on XXXX/XXXX/2015 I am not paying you again. XXXX said it looks like the transaction is not going through. 
Its not going through although it took my credit card. 
I said if I get over billed what are you going to do. XXXX said we will take care of it. 
Really like you have taken care of everything so far I am beginning to see a major scam here and I have contacted the FTC.GOV I am also contacting every agency within the government for credit abuse this could also be a possible discrimination case against XXXX XXXX Please help me. 

I have all snap shots proof and documentations and to be honest no federal agency is helping me so it seems so far at all I get harassed daily. 

This is suppose to be a constitution equal opportunity state of XXXX am seeking justice in this equal opportunity state on ConnecticutIn regards to my family members that serviced this state representative XXXX XXXX was my uncle who served at state of Connecticut Representative. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXTel # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (WA).
Issue: Closing/Cancelling account

Complaint: I have been homeless since XX/XX/2016. I have not been able to make payments on these debts due to hardship. I had XXXX and therapy and eventually was not able to do my job and lost my job which caused me to loose my apartment and so forth. I want to be able to clear my debt but now I am currently in a no job and homeless situation. If I could get some feedback on how I can clear these past debts I would greatly appreciate any advice. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Debt collection (Medical) with ENCORE CAPITAL GROUP INC. (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Calling every XXXX minutes from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: For almost an entire year, I 've been trying to work with Experian to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Experian is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Experian because this is not the information I receive when I contact these companies individually. For months, Experian has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.

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 03-09-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is Lakeview Loans and I have called numerous and sent the finance company the proper documents and they refuse to correct my taxes.

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 05/18/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: I been trying to get a loan modification with well fargo bank for the last 3 yrs.it 's look like they 're do n't want to work with me.I feel that i 'm making enough money to work out this problem.please I need help to try to keep my home.thanks.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I got my experion credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called XXXX XXXX XXXX after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from XXXX XXXX XXXX that says to call the credit bureaus! XXXX XXXX XXXX  reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!

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 02/16/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I opened a premium savings account with Chase Bank ( where I already had a checking account ) and the representative told me the linked debit card included up to 4 fee-free withdrawals from non-Chase ATMs. When I asked him to clarify that these transactions would be completely fee-free he said " yes, no fees, it 's just like you are withdrawing from a Chase ATM. We cover all the fees. '' This oversimplification led me to believe I was being reimbursed for all fees related to the ATM draws. For a year and a half, I used this feature and was charged by the processing bank 's ATM for every single transaction. I recently noticed these charges and called to ask why my non-Chase ATM transactions still have fees associated. Though I now realize that these are fees charged not by Chase but by the banks that own the other ATMs, the banker 's oversimplification has cost me money for 18 months. They said they had no way to reimburse me for these costs. I feel that one of the main features that led me to choose this card was n't a real feature at all, and I 'm out of money just because this banker was imprecise. 

I 'll mention that he also set up my debit card incorrectly when he first issued it, and I did n't have ATM access for days, so it seems that he might not have had proper training.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Other financial service (Credit repair) with Simple Solutions Credit & Debt Consulting Inc. (MD).
Issue: Fraud or scam

Complaint: I paid {$800.00} to XXXX, CEO, XXXX Simple Solutions Credit XXXX , AZ XXXX I paid this back in XXXX and XXXX made a bunch of promises over the phone about XXXX major issues on my credit report and they were not legitimate or correct filings on my report. They did not get anything removed and refused to refund my money. 

XXXX also offers others a chance to open their own credit repair business for {$3500.00} or more and she ca n't even repair credit herself. 

I want my money back immediately.

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 03-10-2016 about Bank account or service (Other bank product/service) with FIRST CITIZENS BANCSHARES, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: This was at a first citizens bank on XXXX/XXXX/16 at time XXXX i made a deposit XXXX which XXXX was cash at XXXX i made a withdraw of XXXX from a atm the bank charge me a XXXX overdraft fee i ask them about it and all i got was a run around so they stole XXXX bucks from me

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I REQUESTED DEBT VALIDATION WHICH WAS SENT VIA CERTIFIED MAIL REF # XXXX WHICH WAS REC 'D BY COLLECTION CONSULTANTS ON XX/XX/XXXX/17. I HAVE NOT RECIEVED ANY RESPONSE WITHIN 30 DAYS AND SENT 2ND REQUEST ADVISING THEM TO REMOVE FROM CREDIT REPORT DUE TO FAILURE TO RESPOND TO MY REQUEST FOR DEBT VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order. 
I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.

Company response to consumer: Closed with explanation