milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit line increase/decrease

Complaint: Without my permission Bank of America has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.

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 01/15/2016 about Credit card () with Continental Finance Company, LLC (CT).
Issue: Other

Complaint: I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is about the Equifax data breach. The breach lasted from XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 
I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Owned XXXX on damage debt and settled payment on XX/XX/2016. They sent collector Transworld System , Inc. Collection Agency that it was not collected w/ letter dated XX/XX/XXXX. I have copy of credit card payment of the debt was collected by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 account reported by XXXX and the original creditor was XXXX XXXX XXXX XXXX XXXX with a balance in the amount of {$500.00} was removed from my credit files and reinserted on XXXX XXXX, 2016 under PHNX Financial services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with Law Office of Linda Strumpf (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted back in XXXX and threatened with jail and liquidate all of my assets if I did not pay for an account opened back in XXXX. The attorney XXXX XXXX has been harassing me since XXXX. When I was contacted again in XXXX I told them I already paid it off. They preceded to call my job and spoke with HR several time, called me at work harassing me so I agreed to pay so they would stop calling at work, sending a sheriff to my home to serve me. I have made over XXXX in payments and now they are sending another court document that I now owe the same amount again and additional fees totaling {$5100.00}. XXXX XXXX, XXXX. has run my credit/social security again on XXXX/XXXX/XXXX without my consent ; to retrieve my address and sue me for the same charges I have paid for twice already. This is fraud. She keeps selling the same fraudulent account ( Under XXXX, which is her husbands company ) to other attorneys to collect from me and then selling it to another attorney and tack on more fees. This is now the third or fourth attorney. When I ask for a certified letter with documents on what the account was, the charges breakdown. They tell me they ca n't but will can send me an email. Once I told them I was going to file a complaint and seek legal council, two weeks later I receive a judgment from the court. I need help, they have now contacted my employer and sent a sheriff to my office. I need some assistance as I will need to seek an attorney. The new attorney now reaching out to me is named XXXX XXXX, PA. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I do not have ANY LOANS WITH XXXX. 
yet Transunion keeps updating my credit report with the same inaccurate information. XXXX negative accounts I am NOT 120 days late on any loan through XXXX. Contacted them via phone and no record was found. Even through FEDERAL LOAN HISTORY WEBSITE. XXXX there is no current balance due or no past due balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our loan with XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, we paid off that loan- we paid {$60000.00} through XXXX XXXX on behalf of XXXX XXXX . However, during that time, the loan was transferred and the payoff never netted a release or satisfaction of mortgage. The loan shows transferred/sold to a new lender/servicer in XX/XX/XXXX. We are in need of the mortgage release/satisfaction of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (WA).
Issue: Closing on a mortgage

Complaint: HELOC with XXXX was transferred to Specialized Loan Servicng of XXXX XXXX Colorado. HELOC was paid off on XX/XX/XXXX. Specialized Loan agrees that it wa satisfied. XXXX County Wa records office is still showing the debt on the county record. It is file number XXXX. Amount is {$69000.00} recorded on XX/XX/XXXX. XXXX has gone out of business. Since Specialized Loan agrees that the HELOC was paid off, I do not understand why they do not notify XXXX County Wa. Although they say they already did this. XXXX XXXX XXXX XXXX XXXX Wa is the property address.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Hello CFPB, This is my second complaint against the credit reporting agency that keeps allowing collections to show on my credit report. The last two letters I 've sent the bureaus detailed what happened and included all of the necessary documents to handle the matter on their end. XXXX made multiple attempts to get this fraud case complete ad never with.

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 12/27/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Trouble during payment process

Complaint: I have had a mortgage with XXXX XXXX for over XXXX yrs. and now my loan has been transferred to SSL ( Specialized Loan Servicing ) which I am VERY, VERY unhappy about. I have been on XXXX XXXX 's bi monthly program for the past 13+ years which saves me significant interest over the life of the loan. But SSL does not offer a bi monthly payment service and so now this change ( that I had no control over ) is going to cost me significantly more over the life of the loan and this is NOT what was agreed upon with my loan officer when I got the mortgage with XXXX XXXX. 
Is there anything that can be done?

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 04/24/2017 about Debt collection (I do not know) with SECURITY FINANCE CORP (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector called multiple times even after i told them to stop .The person they are calling for i do not know told them that several times but they continue calling!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX     XXXX    XXXX   XXXX    XXXX    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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I am writing to ask for your help in investigating why Chase Bank recently closed my credit cards and then subsequently ceased all business with me. I have been a Chase Customer since XX/XX/XXXX. I have paid my credit card bills on time and have never left a balance on any of my Chase Credit Cards since opening up my first credit card with Chase inXX/XX/XXXX. I have all of the bank statements to prove it as well. 

On Friday XX/XX/XXXX my Chase Personal Credit Cards were all working in the morning and in the evening they no longer worked. I called up Chase and all they would tell me was that they had ended their credit card Relationship with me, as per their terms and conditions, which simply state they can close your account for whatever reason they want if they so choose. I asked for a real explanation as I have been a loyal customer since XX/XX/XXXX and have never even missed a payment. Unfortunately, Chase only provided me with the same line we can close your accounts whenever we want as per the cardholder agreement. There was no warning, no explanation, and no one willing to give me a real answer. I followed up with an email to the customer service team onXX/XX/XXXX and received a similar message. 

I subsequently spoke with a Chase Executive Member ( whose name I can provide ) who called the Chase Closure Team who also was unable to give me with any more information, as she stated that the Closure Team would not give her an answer either on XX/XX/XXXX. I find this to be extremely puzzling. How is it that the Chase Executive Office can not even get a straight answer from another department within Chase. 

I then got a letter from Chase on XX/XX/XXXX stating that my credit cards were being shut down. Again, when I called, I received the same response. Chase reserves the right to close your account for whatever reason they want as per the cardholder agreement. 

On XX/XX/XXXX I called the number on the back of the Chase Sapphire Reserve Card that I had. The woman responded by telling me that the account was closed, she couldn't see why and that there was no way to get it reinstated. I asked her to transfer me to a supervisor. The supervisor told me to write a letter with my complaint and to send it to their corporate office but that I was never going to receive an honest response. 

I feel that I deserve a real explanation. Is Chase really saying that unless they can make money on me, my business is not welcome? Am I really being punished for being on top of my finances? I would appreciate a real explanation and any help in this matter. Ideally, I would like my accounts reopened as I have done nothing wrong. This has also ruined my credit which is truly unfair. Again, another reason why I feel that my accounts should be reinstated. 

Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: I applied for a credit card from Citi 's website, the XXXX XXXX. On the website when I applied, it stated that I needed to spend {$1000.00} in the first four months to get the XXXX bonus points. When I satisfied this condition, I did n't receive any bonus points and when I asked them why they claimed I signed up for a card that only paid out a bonus when {$2000.00} of spending was hit. -- Had I been told at any point after I applied that I signed up for a card with a {$2000.00} target, I could have accommodated that, but nowhere in my card member agreement or welcome letter or email did it mention that I needed to spend {$2000.00}. My complaint is that Citi is doing a bad job of informing customers of how much they have to spend to hit sign up bonuses after they apply for the card. This is probably so they can have as few variations of letters/emails as possible, but it feels like a bait and switch - I thought I had to spend {$1000.00} to get a bonus and nowhere did Citi say otherwise until six months later when I messaged them and asked where my bonus was.

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 01/24/2018 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP. 
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED. 
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX. 
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING. 
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT. 

I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY. 

XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT. 
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY. 

IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS! 

LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2018 about Debt collection (Auto debt) with Cascade Capital, LLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a debt validation to the creditor XXXX XXXX XXXX to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called Cascade Capital LLC. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Credit card) with National Credit Adjusters, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Adjusters , LLC XXXX Date Opened XXXX/XXXX/XXXX Date of last payment XXXX The above-referenced debt, I have disputed this debt with XXXX back in XXXX XXXX. The dispute was in reference to the account being past the statute of limitations of only 4 years ( XXXX XXXX ) for the state of Georgia. This dispute was honored and deleted from my credit report on XXXX XXXX, XXXX. 

This company is trying to garnish my wages for an account that is stale and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day. 

On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.

Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late. 

Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I ordered a SS card and after 3 weeks I called the social security admin and they said that my card was ordered and mailed. I never received it. Some one is using credit to obtain credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Home equity loan or line of credit) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I attempted to get a modification from XXXX when my husband was XXXX and our income reduced to XXXX person working. XXXX XXXX XXXX could not figure out who our investor was. They claimed we had XXXX investors ; XXXX XXXX and XXXX XXXX XXXX, then changed it to XXXX on behalf of XXXX XXXX XXXX. They filed foreclosure proceeding with the XXXX XXXX court, and it was denied. 
After 4/12 years of sending in the same documents our mortgage was sold to Select Portfolio Servicing. The document requests started all over. Another foreclosure was filed with the court ; I appeared and presented evidence of deceptive lending by XXXX Mortgage my original lender, and XXXX XXXX XXXX inability to resolve the issue in 4/12 years. The judge instructed Select XXXX Protofolio 's lawyer speak with me get copies of the evidence I entered and make a decision within 30 days before she make XXXX for both parties. 
We received a trial payment period from XXXX XXXX 2016. All XXXX payments were made on time as agreed. 
My XXXX concerns are the modification payment is not reflecting on my credit report. Any type of payment a creditor receives from a consumer must be reported. Select Portfolio Servicing is telling me because the payments were trial payments they do not have to report it as payments, and I strongly dislike that policy and need your advice. 

The second concern I have is with the balloon payment we got for our modification and had less than 30 days to have a lawyer read it and advise us on it. This is how we got in trouble with XXXX Mortgage in the first place harassing us to refinance two years after we had just refinance our home with them. 
I do not trust the entire process and would like for someone to please review our case. 
Select Portfolio Servicing Property Owner : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Texas Account # XXXX My contact number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation