milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Debt collection (I do not know) with Risecredit, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Continued attempts to illegally foreclose and violate CFPB Mortgage Servicer rules. 

I received the attached response from Dovenmuelhle in regards to my mortgage loan. They state that I was I was sent a notice of breach on XXXX XXXX, 2015, but just five days before that on XXXX XXXX, 2015 I had sent in a payment of {$820.00} via XXXX. The following month ( XX/XX/2105 ) I sent a payment of {$640.00} via XXXX and the following month ( XXXX XXXX, 2015 ) I sent a payment of {$550.00} via XXXX. ALL payments Dovenmuehle has neglected to credit to my account as well as other payments I have paid after this. 

In this attached letter from Dovenmuehle, they state they sent me XXXX refund checks ( {$800.00}, {$700.00} and {$710.00} ) ... I only received XXXX for {$710.00}. Conveniently the ONLY check they mention a check number for is the only check that I did receive. 

I have been making payments for the past year that Dovenmuehle has not credited to my account, which is a violation of CFPB rules. I have attached proof of payment from XXXX that I made payments at the time they are claiming I had a " notice of breach. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: I am a victim of the inquiry issue I have called and called their customer service would not help and take care of the negative inquiries reporting to My credit report here 's a list of things that I want removed!! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: In XXXX, I opened a CitiGold account pursuant to an offer ( see attached ) to earn XXXX American AAdvantage miles upon meeting certain requirements. After meeting the requirements, I contacted Citi to confirm that I had done everything, and they confirmed ( see attached ) that I had qualified and should expect miles by XX/XX/XXXX. I recently talked to them, however, and they said that I do not qualify! I 'm upset ; I opened this account in response to their offer, and now they 're saying they wo n't honor the bonus, despite saying I qualified! Additionally, since I thought I would be receiving the bonus, I 've had to keep the account open and accrue a $ XXXX/month service charge. 

All I want is for Citi to uphold their end of the bargain!

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 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: unlawfully Interruption of Charge Privileges I HAVE AN AMERICAN EXPRESS CARDS THE DUE DATE IS THE XXXX OF EVERY MONTH XXXX IS CHARGE CARD THE I HAVE TO PAY IN FULL EVERY DUE DATE THE OTHER XXXX IS A CREDIT CARD THIS IS THE SECONT TIME THEY PUT A HOLD ON MY CREDIT CARDS WHEN IS NOT EVEN CLOUSE TO MY DUE DATE AND THEY ASK ME TO MAKE PAYMENTS EARLIER THEY REQUESTED ME TO MAKE PAYMENTS BEFORE THE DUE DAY OF MY PAYMENT AGRETMENT ACCORDING TO THE AGREEMENT OF THE CONTRACT THAT I DID WITH THEM AND THEY DO THIS ONLY TO THE XXXX AND OTHER XXXX THIS COMPANY AMERICAN ESPRESS HAVE A HISTORY OF PROFILING IN THEIR COSTUMERS SPECIALLY ON XXXX AND XXXX PLEASE OPEN AND INVESTIGATION AND MAKE SURE THEY DONT BREAK THEY CONTRACTS AGRETMENTS AND PROFILING ON THEIR COSTUMERS, HERE IS THEIR LATTERS AND I THINK IM A VICTIM OF PROFILING. unlawfully Interruption of Charge Privileges

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (VA mortgage) with Shellpoint Partners, LLC (VA).
Issue: Trouble during payment process

Complaint: Were being lied to by XXXX XXXX. tell us our payment will be adjusted back down to original amount if we paid an additional XXXX by one XXXX and it remained at the increased amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/2017 Receivable Performance re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LAW OFFICES OF ROBERT S. PERRY, P.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A garnishment attached to my payroll check in XX/XX/XXXX and paid in full in XX/XX/XXXX based on the payroll record. The attorney ( XXXX XXXX XXXX ) reinstated the garnishment XX/XX/XXXX stating he never received all of the payments. He stated that payments were only made to him up until XX/XX/XXXX. My employer ( XXXX ) has not provided requested information showing me who the payments were made to and when. The attorney refuses to go to the courthouse to check to see if the payments are there and have not been applied. He stated he checked the electronic records and they were not there and the only way to know if there were received and not applied ( which he said the court does ) was to go to the courthouse. I asked him how soon he would be going to the courthouse and his reply was " not for 3 or 4 months ''.

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 03/17/2016 about Debt collection (Medical) with NRA Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Nair & Levin, P.C. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've contacted Nair and Levin about a debt they state I owe. I requested from them in writing several times verification of the debt and which they failed to provide. My most recent one was after I sent them a letter stating that I would like verification and this time I faxed it over and still did n't receive a response from the debt collector. The debt collector has violated the fdcp by not validating the debt. If this matter is n't resolved I will file a federal lawsuit. I 've ask for validations to be sent in the mail, verbally, by mail and by fax. This was not done, therefore the debt is not collectible. I have also filed various other complaints regarding the business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted more than  10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't e nough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year thoug h. Get S.S.I disability at this  adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

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 01-10-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (RI).
Issue: Deposits and withdrawals

Complaint: Three months ago I file a complaint stating what happen with my TD Bank account where {$200.00} dollars practically disappear from my account. Three weeks after my complaint I received a letter from my local branch manager to talk about how we can fix the issue. It took me one month and a half for him to called me back. Today is been four months since my first complaint and counting. As I stated before on XXXX I try to transfer {$100.00} from my savings to my checking account, I made a mistake and transferred {$100.00} to my savings instead of my checking, it took me just two seconds exactly for my to realize my mistake and fix the problem right away. The next day I saw that my account had insufficient funds and I call customer service to find out why this happen, What I got was an attitude from the representative and no solution to this problem. This is not how banks should deal business, I know they have policies in place to protect their business but XXXX thing is that this bank took the money on fees when I did n't even take that money out of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Customer service / Customer relations

Complaint: In XX/XX/2015, I applied for a Chase Slate Credit Card with a promotional offer that would help me improve my credit. The offer was a balance transfer offer. After applying i received a letter from chase that was dated XX/XX/2015. This letter stated that they had received my request for a balance transfer and would transfer the approved amount to the identified account. The account that was identified was the INCORRECT account.The letter advised me that if it was the wrong account or i wanted to cancel the balance transfer that i should notify them by calling XXXX before XX/XX/2015. Upon noticing that they had identified the wrong account I immediately called and requested that they NOT transfer that money into that account and gave them the correct account. Without any regards to my request and complying with their letter, CHASE continued and transferred the monies into the account. I have notified Chase over XXXX times over the phone and have spoken to Credit Customer Supervisors more than XXXX times. I have been given the same story that it would take up to 30 days to process any resolution to this matter. It has been well over 30 days and i have note received any resolution to this issue. Chase has continued to fail to contact me with any solution to their negligence in depositing the money into the wrong account. The option to " UPDATE '' or 'CANCEL '' the balance transfer has been ignored after we complied with there letter and have made repeated attempts to have them correct their mistake. Meanwhile chase has begun to receive payment on an balance transfer that was erroneously deposited into the wrong account and has done nothing to correct the issue. I have now inherited another payment to a XXXX that i did not want the payment going to. The intended Chase offer was to transfer a card with a higher interest rate and a balance that would be covered by their card. Chase chose to pay into a account that would not be covered by the credit extended. Thus creating another debt / bill for us.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, I discovered a fraudulent charge to my Chase checking account from XXXX XXXX for {$2100.00}. I called my bank and they reversed the charges. On XX/XX/XXXX, I received a document from Chase Bank saying that they were reversing the charge to my account. When I called Chase, they said they could do nothing about it since XXXX XXXX refuses to reimburse the funds taken. I called XXXX XXXX and they refused to refund the money since the person who took the funds had my debit card information, including the three digit code on the back of the card. I am waiting for a fraud id number from XXXX XXXX. I was told to take this information to my local police force 's fraud division. Even with all of this, there is no guarantee that I will get my money back. From what I understand from my conversations with Chase and XXXX XXXX is that there were areas that both companies could have done to stop this from the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract with  Ability Recovery Service. I  have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX . I am not responsible for this debt with  Ability Recovery Service .

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: IM not sure if i should make another complaint. but there 's no way of adding info to original complaint. this complaint is about what information equifax investigated on the XXXX XXXX tradelines the last time i disputed them online. EQ makes you pick a certain reason for disputing. when none of the choices were the reason i was disputing. i will upload these pages. so when i wrote in the comments section that i was disputing the payment history and codes and status of the XXXX accounts. i figured they would read that and investigate accordingly. but they didnt they just investigated the choice i made out of the XXXX different reasons to investigate. thats it. that 's why im making another complaint. i already disputed the XXXX XXXX tradelines again. saying in the comments again why i was disputing the same as above. i wanted to make this complaint before they screwed me over again. i believe EQ does this on purpose to make it easier to verify info. they never verified payment history, payment codes, reason for transfer. was due to XXXX discharge. my student loans were forgiven. and they never investigated any of that with XXXX pages of uploads to prove my point. after all that they only looked at the line i checked above. " The results are : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. '' thats the response on XXXX accounts. and even that info is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My credit report shows a couple past paid off Chase mortgage accounts as not being closed. I would like those to be updated to properly reflect the payoffs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16, I went to the ATM located at the M & T bank at XXXX XXXX XXXX XXXX, XXXX, VA around XXXX. I use this ATM on a regular basis usually every other Thursday when my payroll has been directly deposited into my account. I attempted to get {$310.00} from the machine. The ATM made a long grinding noise and did not complete my transaction. No monies were dispersed to me. I left and went to work. I checked my online account for verification that my account was not debited. However, my account had been debited for the {$310.00}. I immediately contacted M & T bank to inform them of the situation as well as the branch where the ATM is located. M & T bank issued me a provisional credit of {$310.00} pending their investigation. I received a letter from M & T bank dated XXXX/XXXX/16 informing me that they determined that the transaction in question was processed correctly and no error had occurred and they were denying my claim. They then erroneously reversed the provisional credit of {$310.00} on XXXX/XXXX/16. I immediately contacted M & T regarding this matter and they informed me that I could submit a letter requesting that they re-open the investigation, which I drafted and faxed to them on XXXX/XXXX/16. As I informed them in my letter they should pull the film and look at it and they will see that no monies was dispersed to me when I was at the ATM on XXXX/XXXX/16. M & T bank wrongly debited my account for {$310.00} and I want my money to be correctly returned to my bank account. My payroll check is directly deposited into my account every other Thursday and a deposit was made on XXXX/XXXX/16 so there was no issue with the funds being available. Given my stellar banking relationship with M & T bank which spans approximately 20 years I strongly disapprove of their handling of this matter. This makes me very uneasy as a consumer that a banking institution can incorrectly take monies from my account. No monies were dispersed to me from the ATM on XXXX/XXXX/16 and M & T bank wrongly took monies from my account. I want and need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A medical collection attempt from Medical Data Systems. One is dated XX/XX/XXXX and the amount is {$75.00}. The other one from the same company is dated XX/XX/XXXX for {$66.00}. I have no records or knowledge of any medical services from those dates or those companies. 

I submitted a dispute and this company did not verify the debt. The accounts were removed from my XXXX report, but have yet to be removed from XXXX and 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 07/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is TERRIBLE!!! My previous complaint # XXXX regarding my XXXX mortgage was FINALLY taken care of, but NOW I have a new problem with them and my XXXX Mortgage!!! I get my XXXX XXXX statement for my XXXX mortgage in the mail yesterday, which shows my previous balance of {$12000.00} of which I made a PAYMENT of {$180.00}, which would bring my NEW balance to {$12000.00}!!! But instead of CREDITING my account ... .Ocwen ADDED the {$180.00} payment and now my NEW BALANCE is {$12000.00}????!!!! Only Ocwen would ADD a credit to a balance and not DEDUCT it from the balance!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Payday loan () with Premier Recovery Group (PA).
Issue: Can't contact lender

Complaint: Harassing phone calls about a XXXX loan from 2008 that I never took out. Threatening phone calls at work and on cell phone saying that I will be arrested and prosecuted, or worse. Will not give me address for a debt validation letter, nor a name for their company other than TAG ( Titan Alliance Group ). The call back number is XXXX. The sad thing is that my employer is a XXXX, and that still does n't stop the calls.

Company response to consumer: Closed