milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: APR or interest rate

Complaint: Between XXXX and XXXX XXXX, I purchased furniture from XXXX to take advantage of their two year zero percent program. My XXXX American Express card did not have a high enough credit limit on it, so the sales representative helped me get the limit increased at the time of purchase. I noticed my XX/XX/XXXX billing reflected total interest charged in XXXX {$380.00}. I called XXXX and reviewed my account with them. They agreed there was an error and that the account should not be charging interest. An adjustment was made in the amount of {$480.00}. This was the equivalent of five months interest that should not have been charged. The {$480.00} adjustment reflected on my XXXX XXXX statement. My XX/XX/XXXX statement also included interest owing in the amount of {$81.00}. I called XXXX again. They claimed they fixed the problem and the interest adjustment would reflect on my XX/XX/XXXX statement. When I received my XX/XX/XXXX billing, there was no interest adjustment for the XX/XX/XXXX billing and interest in the amount of {$81.00} was now showing for XXXX. Once again I called XXXX XXXX and explained the situation. Again, they assured me the correction was made for XX/XX/XXXX and XX/XX/XXXX and the adjustment would show on my XX/XX/XXXX statement. When I received my XXXX statement, there was an adjustment in the amount of {$160.00}, XX/XX/XXXX and XX/XX/XXXX interest. The statement also reflected interest owing in the amount of {$79.00} for XX/XX/XXXX. Again, I called XXXX and explained the situation. At that point, they said a supervisor put notes on the account stating she did a re-amortization of the account and that no adjustments should be made because it required one full billing cycle to correct the problem once and for all. They assured me my XX/XX/XXXX billing would reflect the interest credit for XX/XX/XXXX and zero interest owing thereafter. When I received my XX/XX/XXXX billing, it reflected no adjustments for XX/XX/XXXX interest. It also reflected {$76.00} owing in interest for XX/XX/XXXX. At this point, I as a consumer fell that i have done my due diligence in trying to get this corrected. It has now been six months and I have made zero progress with XXXX in rectifying this situation. I am hopeful that you can assist me with correcting this problem once and for all.

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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company phones my home # ( above ) several times a day. They also call my cell #, XXXX, several times a day, except with my cell they call and let it ring one or two times, hang up and call again 4-5 times, then the last call rings until it goes to voicemail. They never leave messages on either # and when I picked up once there was no one there. My home phone caller ID identifies the company as IC System. They use different # s when they call. One is XXXX. Another is XXXX. Both are identified as IC System on my home phone.

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 11-02-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Debt collection (Medical debt) with Capital Accounts, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX and date of birth XX/XX/1988. Please submit proof that this is my 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 Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you. 
looking to see what answer you will get back from caliber home loan. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Amazon 's Synchrony Bank calls me more than 4 times a day and leaves a message every time. I am currently on worker 's compensation and only working part time due to having just had XXXX. I had to obtain a lawyer for this. I have expressed this to Synchrony bank and that I will make a payment once a month, although it will only be {$20.00}. I make the {$20.00} payment every month but they continue to call me more than 4 times a day. They have sent me to collections even though I make this payment and now they are threatening legal action. I was unaware I could even be sent to collections if I am making payments. At least I am making 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 monetary relief
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Focus Holding Company (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with Ward Kilduff Mortgage (CT).
Issue: Application, originator, mortgage broker

Complaint: Numerous errors were made throughout the process of the mortgage, and after 6 months of the broker not being able to close the mortgage, we were ready to switch companies and upon 3rd party review were told the way the loan was setup was not even legal and could have never gone through. Ward Kilduff 's owner, as well as the persona we had worked with, promised to cover the appraisal to reconcile a bit for the past issues. The closing documents had the charge for the appraisal included, and when questioned, a promise was made that the check would be at closing, it was not. I was then informed it would be in the mail when the package arrived to their office, again it was not. I contacted them XXXX weeks following and was told it should be out that week. Another two weeks have passed and the mortgage person has not sent the check or attempted to contact me. 

I have recordings of all phone calls, emails, and texts to verify.

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 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgements and bankruptcy listed on my credit report were not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information  may  have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgements and bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX.
Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 04/15/2016 about Bank account or service (Other bank product/service) with Comerica (MI).
Issue: Using a debit or ATM card

Complaint: Comerica Bank at XXXX XXXX, XXXX XXXX Michigan took our XXXX XXXX Card. My husband went into facility to retrieve and was told they shred cards other than theirs. He went back outside waited for the next person and retrieved our receipt in which they charged a fee. He then called me his wife. I called the branch to get them to send back and was told it was their policy to shred other bank cards. I am very upset about this policy as the inconvenience of having to redo on line accounts is time consuming and costly. Please look into and get a written apology from this ruthless instution. I feel for people who depend on their Bank Card or who are travelling. This Bank should be fined. Our Bank told us this is not the first time their cards were confiscated STOLEN by Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: 1.  XXXX  credit if  XXXX  to old, closed debit card.     Never received to my account. Given the runaround for almost a month now. They are telling me almost every time I speak to " tomorrow '', we do n't know, it " should '' have happened. They have stolen my money and gotten away with it.     Today they refused to open a dispute for this money because they " could n't. '' Item 2. I had a service call LAST MONTH where the work was unsatisfactory and I was scammed. The bank 's alleged protection guarantee is essentially faudulent on everything. They do n't back anything.     3. I was ALSO a victim of identity theft and they sent me a FORM LETTER telling me to open a new account WITH THEM and closed my claim. They did n't take any of it seriously.

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 05/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: We tried to modify our home loans however due to my husband being unemployed we did not qualify. We tried the Keeping yo ur Home Calif ornia and we were told that we could not qualify either. So we have had to use the Short Sale process to avoid a foreclosure. The first lender,  XXXX , would be paid off by the short sale approximately $  XXXX , while Bank of America would not, thus becoming a short sale. The issue is that we had to file bankruptcy as well, so the HELOC was discharged as well. When we first applied for the short sale with Bank of America, they could not find the account. It took a long time to finally have a short sale representative from Bank of America finally find it because it was discharged. The BK department at Bank of America had told my Realtor that we should not have an issue getting approved because some money is better than nothing since it was already discharged. With a sale at $  XXXX  from the buyer, Bank of America would net approximately $ 20k+. In addition, Realtor requested relocation funds, and  XXXX  was going to give us relocation funds but since they are no longer making the approval on the short sale, we have to request from Bank of America. The BofA representative said they could not because it is a HELOC. If  XXXX  forecloses, because BofA wo n't approve us, they wo n't get any money, so it does not make sense to us. We wanted to keep our home! We raised our girls here and were happy, but due to financial circumstances where my husband was laid off, it became very difficult to the point that we almost got divorced due to the stress. Thankfully we managed to work through this issue as well. We are not being unreasonable by asking for relocation funds. With a short sale we would be preventing a foreclosure for all involved. Please assist us in having Bank of America with relocation funds.

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 09-01-2016 about Debt collection (Medical) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received over a dozen calls from " Chase Receivables '' for a {$370.00} hospital bill. I have full coverage health insurance with a {$150.00} hospital copay, which has been paid in full. I explained this several times, even going so far as to email them a scanned copy of the paid invoice to show that the patient ID number they have on file is not the correct number. I have been told at the close of every exchange that they will note this on their records and stop contacting me, yet the calls continue, always on my mobile phone despite my requests that they cease contacting me on a private mobile number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with Eastpoint Recovery Group, Inc (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've received numerous calls from this company called East PointGroup out of XXXX New York threatening me that if do n't call them back they will file a lawsuit against me and take me to court. Now they are calling my parents home number ( I do n't live there ) and also are calling my ex wife threatening them as well with legal action. Their number that shows on the caller id is XXXX I do n't owe any debt to anyone I just checked my credit report today and nothing shows up listed as East Point Group. I would like them to stop calling and harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: The company that I have an auto loan through calls me when I 'm a day late. They call me at least 5 times a day, not leaving any messages. We have asked them to stop twice, and they do not. They claim they use a " dialer '' and they have no control over that.

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 04-06-2015 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal data and allowed my data to be distributed in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Medical debt) with CONGRESS COLLECTION CORP (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX, XXXX XXXX placed a negative report for a collection account on my XXXX credit report. I have no idea who the original creditor is. I mailed a request for verification of the debt to XXXX XXXX, and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

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 04/13/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX does not know JH Portfolio Debt Equities. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.

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