milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Debt collection (Medical) with California Business Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. 

- The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX of 2015 JP Morgan Chase Bank contacted me saying the servicing of the student loan I held with them will be transferring to XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX. The Final payment to be sent to Chase was the XXXX bill, then starting with the XXXX bill, the payment be sent to XXXX. However, A letter dated XXXX XXXX and XXXX dated XXXX XXXX & XXXX were received from The XXXX XXXX to both myself and my cosigner of the loan stating that JP Morgan Chase Bank provided them the account information for collection activity of a payment. I contacted The XXXX XXXX via their website contact form after receiving the first letter on XXXX XXXX, 2015 stating that it was a mistake and that payments were now being sent to XXXX. I have not gotten a response from them. The XXXX letters dated XXXX XXXX & XXXX addressed to myself and my cosigner from The XXXX XXXX I received today in the mail, XXXX XXXX, 2015. There has not been an attempt from a representative of Chase to contact either myself or my cosigner regarding what the payment was before giving information to a collection agency. As the payment info pdf via XXXX attached shows, though a little late, both XXXX and XXXX 's payments have been received and credited to the account. All supporting documents will be attached. Contact info for The XXXX XXXX is also available on each of the XXXX pdf 's attached since they are not in the database here.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Back in XX/XX/2015 I had taken out a Pay Day Loan with XXXX.The Loan was {$400.00} and about 2 weeks later I had gotten caught in a bind.It was some things I had to pay and I was n't able to pay the loan back.To get help it was a Validation company that I joined call XXXX They sent Validation letters to XXXX to see if they are licensed to do business in the state of Alabama.And several months later I had found out that they was n't.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Credit card debt) with Greene & Cooper Collections LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent Green and Cooper a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by Greene and Cooper. I have now started to receive letters from Greene and Cooper again today XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Bank account or service (Checking account) with DISCOVER BANK (MN).
Issue: Account opening, closing, or management

Complaint: Opened checking account with Discover Bank and fully expected {$300.00} from signup bonus. Emailed Discover twice, said I was eligible and that they were looking into it by escalating my issue. Waited for 1 month+ expected bonus post date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2015 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Simm Associates, Inc. ( XXXX ) XXXX contacted me regarding a private student loan. My daughter has several private student loans cosigned by other people. I have cosigned for my daughter but am unable to pay the delinquent payment. Simm Associates contacted me at my husband phone number I told them contact me on my cell phone number only. 
When they contacted me on XXXX XXXX, XX/XX/2015 at XXXX, the representative said I owed them {$87000.00} dollars of which I cosigned in my name. This is extremely untrue. 
I am not a cosigner for {$87000.00} I want them to stop calling me and send me emails only. Also, I want to send any funds to XXXX the originator of my loan in which I cosigned for daughter which totals {$16000.00}. I am no able to pay the full amount but would be willing to make a payment that is reasonable due to my financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with 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 04/25/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Late fee

Complaint: I have been an Amex cardholder for over XXXX years. I have always paid my bill on time and in full. I mailed my last payment on XXXX XXXX for payment due XXXX XXXX. I received my bill and was charged {$170.00} in late fees and interest as my payment was received XXXX XXXX. I called Amex and was told there was nothing they could do. I could not figure out how it took XXXX days to go from XXXX to XXXX. They just kept saying they would not do anything to remove the charges. I called again the next day and XXXX told me that I was a valued cardholder but she would do nothing to remove the charges. She told me that I was not a desirable cardholder since I paid my bill in full so they did not make any money off of me. I also have a XXXX Amex so they pay me to use the card in the form of the rebate check. Lastly I was told that I should have considered it was tax season and mailed my payment earlier. So basically it was all my fault and they refused to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I believe my student loan servicer, Great Lakes, is engaged in some shady practices. I have personally stayed on top of it, but I am tired of having to constantly make sure I 'm not getting screwed over and I 'm concerned that other people are getting screwed over because they do n't know any better. Here are some examples : I 've been repaying since XXXX XXXX. I started on IBR and moved to RePaye when it became available ( XXXX ). When I attempted to renew my IDR app in XXXX, Great Lakes " misprocessed '' my application and used my salary rather than my XXXX from my tax return. I know they are supposed to use XXXX, but none of my peers appeared to know that at the time. How many students are n't getting the relief they need or forgoing retirement and healthcare spending in order to make their student loan payments? 
When I renewed this year, they tried to move me off of RePaye to the more expensive IBR plan. After I called, their customer service rep said this was a mistake and that I would remain on the RePaye plan. 
Finally, Great Lakes claims that if I do n't renew my IDR app yearly, my monthly student loan payment will go up to {$1300.00}. However, when I use the studentloans.gov estimator, the standard repayment plan payment is only {$790.00}. The {$1300.00} number is the number that I am expected to pay at the END of the RePaye payment term. This does n't seem correct to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received phone calls and tried calling back to find out about the debt. 
No written correspondence was sent to me. 
I informed company that I paid the debt and I emailed proof. 
I called back to confirm receipt of my proof of payment and they refused to accept my proof. 
They also refused to contact the initial creditor ( XXXX ). 
I spoke with XXXX XXXX ID # XXXX who refused to provide last name.

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 06-12-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (OH).
Issue: Trouble during payment process

Complaint: Loancare purchased my mortgage from XXXX in XXXX 2017. I had already made my XXXX payment to XXXX and have since made my XXXX payment to Loancare. Both checks have cleared the bank. I have explained to Loancare on  multiple occasions that the XXXX payment was sent to XXXX and have assured me that they would get that from XXXX. But, they have continued to hassle me duringXX/XX/XXXX for the payment and I just received a default notification in the mail with threats of foreclosure. My credit rating is very high, because I always pay bills on time. This is nothing short of harassment.

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 Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is reporting on my file and at no time have I received the documents that prove ownership neither from this company or from Experian, which I already submitted a complaint about. I have disputed this 3 times and they did not include the notice of dispute on my credit report which is in violation of section 807 ( 8 ) of the FDCPA as well as section 623 ( a ) ( 3 ) of the FCRA. I will either be suing them for up to {$1000.00} in small claims court or they must permanently remove this unverified item from 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 07-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both Equifax and XXXX may be using unfair and inappropriate questions in their online screening and verification questionnaires prior to sending an online free credit report. Their motive may be to sell an online service providing that report, since many people like me do not trust the security the postal mail for sending and receiving a ready-made identify theft packet of information. Specifically, both Equifax and XXXX have asked me, when applying for an online report, whether I have a retail credit card for which the provider is XXXX XXXX. The tricky part for holders of XXXX XXXX is that originally the provider was XXXX XXXX, but that changed some years ago to XXXX XXXX XXXX. There are XXXX issues here. First, are XXXX or XXXX of these credit bureaus using XXXX XXXX as the correct answer, which was true at one time but has not been for a long time? Second, how can the consumer be expected to know the correct answer to such an arcane question anyway? For years I had mostly no problems getting an online report, but that has changed, despite no change of address or anything else relevant on my part. Given these perhaps inappropriate screening questions, and perhaps other such questions, my real options are to pay for an online report or get a free postal mail report, neither of which is a very good option, and the credit bureaus gain revenue from my dilemma, whether their questionnaires are clumsy and inappropriate by design or by accident.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  X/XX/16   , I made a purchase and used sister as my reference. Later, I learned she was a co-signer on acct. My sister was not present during transaction. On  XX/XX/XXXX , I went to the store and had the application redone to remove sister off account so that items would not go on her credit. I paid {$140.00} towards a different finance company as a down payment to start a new contract. A few weeks later I noticed the item on my credit report and my sister informed me that it was on her credit report also. I called Synchrony Bank and spoke to  XXXX  twice. I faxed documents showing original paperwork on  XX/XX/XXXX  and then new paperwork on  XX/XX/XXXX  showing credit back to Synchrony Bank. Synchrony Bank removed item few weeks later and now it is back on my credit report and it was never removed from my sisters credit report. I have sent paperwork showing the new finance company as well. Synchrony Bank still will not remove items from their account and my sister and my credit report. The new finance company is a rent to own company. Synchrony Bank has been reporting to my credit reports and my sister 's credit report negative information which they should not be doing since the account is no longer with them. In the attached documents, you can clearly see dates, the credit amount that Synchrony Bank is suppose to credit on the account and the new finance company with its amount and dates of transaction. Synchrony Bank is illegally trying to get me to pay for items that are not on their account and in the meantime are reporting negative information to all   XXXX   credit bureaus which has caused great harm to m y credit score and my sister 's credit score. There is suff icient and clearly recognizable documentation showing purchase, credit to be returned back on Synchrony Bank account, and new finance company with same items and amount to be started with new company. As i stated above, the new finance company is a rent to own company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO  XXXX  CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received free-and-clear property ( primary residence ) in a divorce settlement in XXXX, XXXX. I then took out a HELOC loan with Bank of America ( " BOA '' ) to pay for debt incurred on the property to pay for renovations. In XXXX, the HELOC amount was rolled-over to a conventional, 30-year fixed mortgage ( sold to XXXX XXXX ) with BOA. However, BOA never filed the necessary paperwork to put the HELOC into a second position. Technically, I had ( XXXX ) first mortgages. Foreclosure was filed XXXX XXXX, XXXX. Because XXXX loans with considered first mortgages, they were treated as coupled together by the foreclosure documents. BOA kept the HELOC open on my credit report until XXXX, XXXX and erroneously reported late payments for years XXXX, XXXX, XXXX, XXXX. BOA admitted verbally that they were in error with the filing of the mortgage documents, with the title company, and with their internal accounting system. I have never received documentation concerning these transactions as promised. As of today, I am being denied credit for inaccurate information reporting by BOA to all XXXX credit rating 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
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Real Time Resolutions, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone obtained a loan using my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
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: Yes they transferred to XXXX. Whom I promptly paid for delete. All other creditors deleted per XXXX   request.

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 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX  we sent a payment of {$500.00 } to  XXXX  Barclay card. T hey cashed that check on  XXXX   XXXX  and we have the  XXXX  transaction in writing to prove that. I have called   XXXX  7+ times and spent over 7 ho urs on the phone with   XXXX   and they still continue to ask for the SAME info and the same questions EVERY SINGLE TIME I CALL. They are saying it is n't there issue but we have the copy of the  XXXX  records showing that this was cashed by  XXXX  on  XXXX   XXXX . I 've had several managers PROMISE that they will take care of it and the issue still is n't resolved. I am beyond frustrated as the interest is accruing and I still have no resolution. The customer service here is beyond AWFUL and I have wasted DAYS trying to resolve this. We have faxed copies, our bank has faxed copies and  XXXX  never has received anything but a " blank copy ''. I have sent a letter to  XXXX  stating I am disputing the full balance as they have taken our money and misplaced it!! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief