milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with Executive Financial Consultants, Inc (MO).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Today, I received the second call from Executive Financial Consultants regarding a debt they were attempting to collect from an exam I had back in XX/XX/. 
I told the collector, a young woman, that I had paperwork explaining my coverage, as well as paperwork from my insurance company that my exam was fully covered and no bill was due. I asked how I was to go about disputing this debt. The collector was extremely rude, so I asked to speak with a supervisor who would be more helpful and less condescending. The collector rambled off something even more derogatory and put me on hold. Eventually, a recording came on and said my conversation would be recorded. Then, a man got on the line saying he was a supervisor. I explained the events that occurred and that I was looking to resolve this collection issue. The man began to argue with me and said the only way to resolve my debt is to set-up a payment plan with Executive Financial Consultants. I told him I had paperwork that I want to turn-in, which said I was covered by my insurance and asked how he suggest I go about disputing the collection from my medical exam back in XX/XX/. Again, the man began to argue with me and did not offer any kind of route to help me resolve this problem. When he finished what he was saying, I told him " thank you for calling, but I'm going to contact my insurance about the issue and try to get it resolved some other way since they weren't allowing me to dispute it with Executive Financial Consultants. '' The man then replied " WHATEVER, '' and hung up on me. 
Perhaps customer service isn't part of their job at Executive Financial Consultants, but there's no reason these people should be so nasty. At the end of the day, aren't we all on the same team? Let 's help each other, instead of attacking one another. 
I would like something to be done about the attitude of the people who work for and represent Executive Financial Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I purchased a car after filing Bankruptcy in XXXX, I purchases a XXXX ... XXXX I lost my job and nearly lost my life ... I was homeless got behind on my car not which I had to live in after having a place to live.. I contacted NATIONWIDE SOUTHEAST Financial Company to assure payments will be made and they were. I was in accident XX/XX/XXXX, Although I was not injured my car was hit not bad however.. I contacted my insuracne company and proper party to get my car repaired. After going the hardhsip and two accidents in the month XXXX i advised them to picked the car up after it get repair, and that I no longer can afford the payments because I was homesless amost a year and needed to keep a roof over my head .... The first week I was constantly got calls and i was told once the car is sold I will be responsible for the balance.. I check my credit and they XXXX for XXXX..And my balance is XXXX ... I was taken advantage of there is no way a XXXX is worth or should be XXXX dollars .... This is hendering me from getting any kind of car, I sent you all a copy of whats on my credit ... 
Account # XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} Monthly Payment - Past Due Amount {$2500.00} Highest Balance - Terms 66 Months Responsibility Individu

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I obtained a $ XXXX home equity line of credit from Bank of America ( then XXXX Bank ). Unbeknownst to me, the terms of this HELOC were : 10 year draw period followed by a balloon payment, with no repayment period. The typical terms for most home equity lines of credit are a 10 year draw window followed by a 20 year repayment period. During the financial crisis of XXXX, I was forced to max out the line of credit due to financial hardship from unemployment. When the 10 year draw period came to an end in XXXX, BofA ( Bank of America ) wanted a $ XXXX balloon payment. I did not have $ XXXX saved up to make a balloon payment. Also, my loan-to-value ratio prevented me from qualifying for a refinance. This situation forced me into a modification agreement with BofA. During the modification trial period, my credit score suffered collateral damage by dropping XXXX points even though I continued to make timely payments to the line of credit. The modification was completed in XXXX XXXX with the following terms : 180 months, fixed payment of {$380.00}, fixed rate of 3.25 %. Fast forward 7 months, it 's now XXXX XXXX. I receive another package from BofA with new modification closing documents. I call BofA for an explanation. The rep said there were minor changes to my agreement that amounted to my payment adjusting in small increments based on the number of days in that particular month. I specifically asked if I still had a fixed rate of 3.25 %. I was told Yes. I then said I would n't sign documents until the terms were appropriately reflected in the new paperwork. In response, I was told that 's not possible and furthermore, that if I did n't return these documents, my modification agreement would be void. Hesitantly, I signed and returned the modification documents. Fast forward another month to XXXX XXXX. I receive my first statement from BofA post the new agreement. My payment jumped from {$380.00} to {$490.00} and there 's also a note stating that in the next billing cycle, my rate will jump to 3.75 %. 
I am beyond appalled. I was blatantly lied to and taken advantage of. For starters, I should have never been put into the situation of needing a modification in the first place. If Bank of America would have put me in a consumer friendly product like most lines of credit that have a repayment period built in, then this entire situation would have been avoided. Now for them to force me into signing a 2nd set of modification documents that were purposely vague, confusing, and misleading is beyond sleazy. This situation is deserving of corrective action on the part of Bank of America.

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 02/23/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America closed out a file that we were processing a short sale on with no explanation other than the investor denied the file. Now that we have received an offer on the home for the short sale on XXXX/XXXX/15. BofA has now closed it our again in the Equator system. The reason this time was because FHA/HUD denied the file which is not correct. XXXX the negotiator who was assigned to the file advised us that their was no reasoning as to why they wanted to close the file, so we contacted HUD directly and escalated the issue with them personal. I have spoke with XXXX at HUD informed us that they never denied the file at all and that he would have management review the information. Bank of America in little words is on HUD 's XXXX list as they are having several complaints about the way they service their loans. The new case # with HUD is XXXX. XXXX at HUD who has been the only person talking to about these issues, is really helpful to us in this situation at the moment. Usually when a investor denies a file for a certain reason, the negotiator person assigned to the account at the lenders will contact us to inform us. At that time we would take the appropriate actions to adjust or agree to their request so we could proceed with approval of the short sale of the home. We turned in our offer to Bank of America in time to the ATP ( approval to participate ) expiring. We also could of closed on this short sale of the home several times before if BofA would n't close this account out every time or would take so long to complete the modification requirements prior to proceeding with the short sale and or reviewing the file before the buyers walk. We have had XXXX buyers walk on this property because of the lengthy time and/or person assigned to work the account not working it or to even review the information or documents sent in. The BPO/Apprisal came back at $ XXXX and the offer we got is $ XXXX, which is a good offer to meet the BPO/Apprisal net. From my point of view they just want the property to go to foreclosure and not work with us or the sellers on short sale of their home. Bank of America never followed short sale protocol and/or the investor requirements or request. HUD/FHA is highly upset with BofA and is implementing new procedures for Bank of America to follow, which will hopefully help the situations in the future. HUD/FHA is constantly having their property closed out and go to foreclosure instead of helping the home owner like they are supposed to and or required to do. Please help in anyway possible ... 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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I see CBNA pulled my credit and I never authorized 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 12-04-2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Shopping for a loan or lease

Complaint: I 'm an XXXX. Because of this I feel as though I was discriminated against when getting a loan from Honda Financial Services. For some reason I feel as though something is n't correct and I believe I was overcharged interest on my car loan. If possible I would like someone to look over my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I tried to link my XXXX credit cards using a third-party financial app ( XXXX ) and was told that XXXX wo n't allow this. It is my right to use my financial data how I see fit. Especially when credit card companies and everyone else are giving my data to security sinkholes like XXXX who then get hacked. I do n't want or need my financial data to go to XXXX but I have no say in that, either. At least I should be able to monitor my accounts in a way I feel is best. XXXX should not be able to block 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 05-08-2015 about Mortgage (Conventional fixed mortgage) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: unfortunately I did not ask the right questions about this " simple interest ''. I went through an ugly divorce in which I have the obligation of the automobile and all the remaining payments. They were more then happy to give me an extension during these rough times, but unbeknownst to me my principal balance wasnt budging a bit!!!! I bought the car brand new in XX/XX/XXXX and it is now XX/XX/XXXX and the principle has only moved a couple thousand dollars. This can not be legal!!!! I am giving them their payment every month Where is it going???? HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Alpha Recovery Corp (VA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX I received a warrent of debt letter when trying to call the lawyer I was connected to the debt collector they are impersonating a law firm the debt collector is XXXX XXXX XXXX this account has already been charged off

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX-XXXX. they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( ALASKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: REF Complaints # XXXX Dear Citi Card and Federal Trade Commission!

I am disagree with the solution for the complaints # XXXX ( Attach you will find the receipt Date XX/XX/XXXX ). I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} ) on which I file a dispute. Here are that merit a dispute/the receipt : X I only authorized this merchant to charge me one ( 1 ) time in the amount of {$4.00}. I did not authorize any other charges from this merchant. ( See Receipt ) X The receipt said the cost of this item only {$4.00} NOT {$89.00} or {$94.00} NO part of this receipt approve merchant send their product to my home more than once X NO part of this receipt asking the buyer cancelled to avoid future billings X The merchandise never arrived and the item never was delivered to my door.

X My number one reason to file with FTC because Citi bank manager told me more than 10 times : The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant REF to XX/XX/XXXX Reverse {$89.00} OnXX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF toXX/XX/XXXXReverse {$89.00} o Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant o I told Citi bank more then 10 times : I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant.

The item never arrived the item never was delivered to my door.

Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

o Citi bank said/reply more than 10 times : You support to file as dispute NOT fraud The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant I certify that the information I provided is accurate to the best of my knowledge.

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 09/21/2016 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I asked the person on the phone to not call my place of employment, several times. However, they continue. We can not receive personal calls at work. I explained that to them. I got threats of arrest and they also sated I was irresponsible and I should act like a lady and not just hang up the phone when they call my job. I have told them that I can not pay a lump sum on any debt, but they throw out threats and attempt to intimidate me. I would like them to stop harassing me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I gave notice and left the apartment paying all rent in full. I left the apartment due to XXXX XXXX instances which there was theft to my property and that my life was in danger due to possible fire. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My truck was totaled. My insurance carrier arranged that I receive a rental car. I went to the merchant XXXX XXXX XXXX and they required that I give them a credit card to reserve {$30.00} until the insurance company issues payment to them. My insurance company investigated my insurance claim total loss. My insurance carrier found out that the person that totaled my truck was uninsured. At this time, XXXX XXXX XXXX charged my credit car {$3300.00} without my knowledge.

Company response to consumer: Closed with explanation