milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX   serviced my mortgage for one of the government mortgage holders.  Huntington Bank  bought   XXXX   XXXX   XXXX       In a letter dated  X/XX/2017 ,  Huntington Bank    reported to me that my hazard insurance expired. It did not. They demanded I provide evidence I obtained new coverage. On  X/X/2017  at  XXXX  I corrected the mortgage information with  XXXX . They were to provide the evidence directly to  Huntington  at  XXXX . During a phone call on  X/X/2017  at  XXXX  for  XXXX  minutes, that evidence was accepted.     In a letter dated   XXXX  , Huntington Bank informed me that they paid, or schedule to pay, an insurance renewal premium and received another billing notice from a different insurance company.contacted me again with the same request. During a phone conversation on   XXXX   at  XXXX  for  XXXX  minutes, Huntington demanded I provide evidence of hazard insurance for the period   XXXX   to   XXXX  , a prior period. During the same call,  Huntington  rescinded the demand and stated I would receive a letter confirming cancellation of lender provided coverage around   XXXX  . They affirmed I had no other obligations in regards to providing any other evidence.     In a letter dated   XXXX  , Huntington Bank verified receipt of the evidence, but did not verify the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX , a prior period. They resumed their demand for evidence of insurance and stated I am responsible for the annual premium of {$910.00} without that evidence. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They did not call back. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them again. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They returned my call at  XXXX , and in that  XXXX  minute call,  XXXX   XXXX  informed me that a policy had been bound already.  XXXX  left a direct fax number.     From the  XXXX  web site, I printed my policy declarations for the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . That evidence, and the  XXXX  letters were faxed from my home phone to  XXXX   XXXX  at  XXXX , but has not been accepted at the time of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: A few years ago I got a loan from Ace Cash Express and I paid it off. All of a sudden they started taking money out of my account, when I questioned them, they said I took out another loan. I have bank statements to prove that I did n't get a loan from them and had my bank reject all requests from them. I told them if they provide me with the paperwork that proves I got a loan out, then I will talk with them about repaying them back. They have not done this and now I am getting calls and threats from random companies phone numbers saying they are going to take me to court and suspend my license. I actually spoke to the " attorney '' ( which I looked up online and could n't find her name anywhere ) and they said they would email me the information showing that I got a loan with them. Never got the email. I said I would gladly review the information with my lawyer if they sent it to me, but they could never get it sent to me. I hate the threatening calls they leave me, but I guess I will just have to keep ignoring them and hopefully they will stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX   XXXX ,  XXXX  I contacted chase auto finance regarding my  XXXX   XXXX   XXXX  financed through them. At that time I called to confirm what payment needs made to avoid charge off and the last day to make it. The rep advised that the payment was {$640.00} to avoid charge off and I can make a payment on Sunday  XXXX  via  XXXX   XXXX  or  XXXX . Meanwhile chase bank charged off my account on Friday  XXXX  the same day that I called and did not advise of this. They allowed me to send a payment on  XXXX  and did n't advise that it was charged off on  XXXX  and lied and said I had until  XXXX . I needed until Sunday so my paycheck was received Saturday in the mail to cash it and that is the only reason why I had to wait to Sunday. Meanwhile they received {$640.00} from me on Sunday but still have my account in charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Got a call, was very unaware of unpaid debt I used fincial aid to pay for the apartment. Never received any mail or email about paying the debt our phone calls and voicemails. When explaining my situation and saying I was willing to pay the amount was doubled what is shown. I tried to ask for lower payments because I was in school the representaitive I had would not work with me asked to speak with her supervisor she said she was and I asked to speak with the supervisor above her she refused. Asked for account number to pay debt online she refused made me very nervous that she was n't who she said she was and somehad stolen my information.

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 03/29/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previously lived at a community due to a divorce I moved out. I turned in my divorce decree and the filed and signed one after stating that I was no longer living at the apartment and therefore will assume no responsibility to that address. My ex spouse stayed, I am not sure how long. Hunter Warfield appeared on my credit in late XX/XX/XXXX I believe. Never before had it appeared NOR had I received any letter from the community or I would have had it addressed and corrected. Hunter Warfield wont give me details on the debt. They claim they did not have that document I sent it to them. they stated they needed to speak with the community. The community states they are under new management and can not locate my file. I have been stuck in limbo with both companies since they can not file a file. I have supplied the information I have that is legal documentation stating only my ex spouse is at the apartment and only he is responsible. The collection agency wont answer my calls and just email me with a generic email stating they are investigating. This has been since late XX/XX/XXXX and the debt is illegally still on my credit report! Please help me remove this debt I do not owe. I can provide this legal documentation if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Debt collection (Credit card) with GreenSky Trade Credit, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX I bought a XXXX smart phone at a XXXX store. I told the clerk I needed to connect to internet on multiple devices, including streaming XXXX. She sold me an unlimited data plan to meet my needs. When I got to my son 's home I looked at the papers the XXXX clerk gave me and noticed there was no invoice detailing the service -- such as how much data, when I would be billed, for how much etc. There was only a receipt for the phone itself. I immediately called the store to complain about this and was told the store would be closing in 30 minutes -- not enough time for me to go back there to get an invoice. The next day -- Monday -- my grandkids visited me so I could not go to the XXXX store for the invoice for services they neglected to provide. On Monday I attempted to use the phone 's data to connect to the internet on one device and also connect to netflix using firestick on my TV. I was able to connect to either one or the other using the XXXX 's phone hotspot but I was n't able to connect to two devices at the same time. I owned a {$25.00} smartphone that comes with a limited amount of data per month. With this really cheap phone, I am able to connect to both a laptop and watch XXXX on another device AT THE SAME TIME. So I know what 's possible and I dispute the XXXX clerk 's description of the XXXX XXXX as a " high end '' phone if it ca n't do what my cheap phone CAN DO! 
On XXXX morning, less than XXXX hours after I bought the XXXX phone, I returned it to the XXXX store where I bought it, citing the reasons given above. The clerk said he would refund {$1.00} to my XXXX card mastercard but would charge me a {$50.00} restocking fee. I asked why and he said because it was a high end phone. I consider iphones to be high end phones. I pointed out that the XXXX phone did not perform as was promised and was not able to do what my super cheap smartphone can do. I told the clerk I would dispute the {$50.00} restocking fee with the credit card company. I did dispute the {$50.00} restocking fee. XXXX issued me a credit on my next statement, but now the full amount of {$51.00} AGAIN appears on my XXXX card statement. Furthermore, the sales clerk I returned the phone to lied right to my face. He told me XXXX would " waive '' the {$5.00} data charges I incurred for the incredibly short time I had this phone, but XXXX actually did charge my XXXX card {$5.00} for the data. I did n't dispute the {$5.00} data charges because I actually used a small amount of data.

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 03/15/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Shopping for a loan or lease

Complaint: First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with STERLING JEWELERS, INC. (NC).
Issue: Unsolicited issuance of credit card

Complaint: I went into Kay Jewelers to make a purchase and resize a ring and while there, I was asked if I wanted to open a line of credit/credit card. Multiple times I said no, but they gave me lots of information and confused me and at one point, they said I had to give them my social security number. When I questioned them as to why they needed it, they just repeated to me that they needed it. I did n't know why they needed it and I was confused. I went back the next day with my daughter to cancel the purchase and repair, get my jewelry and money back they said that they needed my social security number to open a credit card. I again told them that I said multiple times, NO I did n't want that, but the manager said that I must have agreed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The Merchant XXXX XXXX and XXXX XXXX, according to the debt collecter, Portfolio Recover Associates, LLC, sold them the debt. I never received a bill from The XXXX XXXX or XXXX. When I asked the debt collector what it was I bought, they could not provide that information. When I asked them to provide my signatures on the CC slip, they could not provide that either. The representative told me that I set up the account without knowing it. What really hurt me is that the debt shows bad on my credit report. Therefore, they probably have my social security #. I know they at least have the last XXXX. They have called my house also to try to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2018 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: Hello, XXXX XXXX reported to XXXX, Experian, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.

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 07/18/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (NV).
Issue: Can't contact lender

Complaint: Cash Central at XXXX XXXX XXXX XXXX, XXXX UT XXXX phone XXXX XXXX XXXX obtained a HARD Inquire from my XXXX credit files on XX/XX/XXXX without having my application for a loan fully completed. I could not provide XXXX references in order to have my application fully approved to procede with the application for a short term loan ; consequently, my application NEVER was approved. Cash Central decision to traspass my XXXX files with a HARD inquire had damage my financial needs since a HARD inquire had lowered my CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Chase has violated there own Terms and conditions. I have a current, open, and active Chase Premier Plus checking account. Chase offered me this account because of my Military service. Looking at the Chase terms and conditions from the Chase document, " A Guide to Your Account '' for Chase Premier Plus Checking account holders, Page XXXX explains Overdraft fees. In particular, it states, " IF WE RETURN THE SAME ITEM MULTIPLE TIMES, WE WILL ONLY CHARGE YOU XXXX RETURNED ITEM FEE FOR THAT ITEM WITHIN A 30-DAY PERIOD ''. 
I have had {$34.00} overdraft fees that Chase has charged me from the same returned item within the 30 day window. SEVERAL times I have called and given Chase the opportunity to reverse these outstanding charges and credit my account back. My requests have been ignored and denied. I warned them that my point is validated and advised that I would have to take next steps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Managing the loan or lease

Complaint: I opened a wells Fargo loan at XXXX XX/XX/2016. Never made a late payment and usually paid more than the minimum payment amount. 
On XX/XX/2016 I received a vague unsigned letter from Wells Fargo Executive Office stating that due to risk my account has been closed. 
This action negatively affected my credit score. 
In XX/XX/2016, My wife and I closed our Wells Fargo checking and savings account siting Wells Fargo corporate ethics as the reason for closing our accounts. I believe that this current Wells Fargo negative action is retaliation to closing our checking and savings accounts with them.

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 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient misused my information and unauthorized a double payment last XXXX on my auto pay plan. They tried to hide it by not having a scheduled payment in XXXX. I still received a notice for a reminder about a payment coming out in XXXX. I contacted them and received the money back for the unauthorized amount. I was told that if I send my bank statement to them that shows the overdraft fees that I received on my bank they would refund me the money. I still have yet to see that money. I then called them in XXXX to make sure there was n't a payment coming out. They had to remove it. I told them that I wanted the last XXXX scheduled payments on my yearly income based plan to be canceled. I also asked to have my banking information removed from my account. When I talked to them about the income-based repayment plan they tried telling me the only way to do it is to have automatic payments set up ; which is complete XXXX. My bank information is none of their business. In the last three weeks, my mother has received multiple phone calls on her cell phone and home phone. I have received XXXX phone calls and have also received multiple emails. This is a form of harassment and I am sick of this company. I will not pay them any money until they give back the money I am owed and placed on a payment plan that I feel comfortable with. The amount is XXXX thing but the way I pay the amount is a completely different thing. I understand the company is being sought by the Federal Government and feel I have been mistreated by this company. They have taken advantage of me and have illegally broken contracts! I took the money out from XXXX XXXX Bank at a certain interest rate. Navient then bought the loans and doubled, nearly tripled the interest rate. I never signed a contract with Navient and still have the original documents of the contracts I filed with the bank. My name and signature are on those. This is a definite unlawful act by Navient and justice must be made to them. They are profiting off of people like me. I was making payments and now I do not feel comfortable working with this company. I would much rather have my loans bought out and removed from this company than have to deal with them again. I am tired of the harassing emails and phone calls and going after my family needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I am a retiree on a very small pension and bank with Chase bank. There are times I will incur insufficient funds for no more than XXXX days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than XXXX hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.

Company response to consumer: Closed with explanation