milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I was defrauded by an individual who claimed he was purchasing a piece of furniture with me. He agreed to a purchase price of {$520.00}. He sent me a XXXX money order, which seemed fishy but possibly legitimate, for much too much money, XXXX money grams for {$930.00}, or {$1800.00} total. I communicated with him via SMS that i had received too much money, he stated that the extra was for the shipper, and he was having multiple items picked up. He requested that I take out the delta in cash and forward to the shipper via money order, whose name he sent me. This is where I was social engineered, and it retrospect it was not a smart move. 

I then *waited* for the money to show as " settled '' in my checking account, which i did. I assumed that this meant the money was legitimately in my account and available for withdrawal. I took out XXXX {$1300.00} in cash and sent the guy a XXXX for that amount. 

Then, trying to arrange for pickup, on XXXX the buyer claimed that his child had gotten into an accident and he could n't buy the furniture anymore. I got extra suspicious, and checking out my Chase balance was alarmed to see that the funds from the original money orders were being reversed. So I know this was all a fraud from the beginning. 

I approached Chase 's fraud department to dispute the withdrawal, since they had cleared the money order funds. They referred me to their customer contract where they state they can " withdraw any money from my account at any time for any reason '', which i told them was horrible customer service. 

Thus my complaint. Chase Bank must see fraudulent money orders often, and should have protected me a long customer from this by NOT SETTLING FUNDS until they were cleared by XXXX -- like most credit cards would do automatically. I 'm quite upset!! In other words, do n't trust Chase with money orders that " cleared '' actually means anything. Because it does n't.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Prepaid card (General purpose card) with U.S. BANCORP (WA).
Issue: Advertising, marketing or disclosures

Complaint: I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. 

I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.

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 Payday loan, title loan, or personal loan (Installment loan) with SUNTRUST BANKS, INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On  XXXX , I signed a contract with  XXXX   XXXX   XXXX   ,   XXXX , to have my home painted with  XXXX . Shortly after the work was completed I received notice that the loan had been sold to   XXXX   XXXX  , a program of SunTrust Bank, a Georgia banking corp., in  XXXX , Georgia. My minimum monthly payment on loan #  XXXX   XXXX   XXXX   XXXX , was set at {$130.00}. Nearly every month I made payments of {$150.00}, but some months I paid double that amount, {$300.00}. In  XXXX ,  ( o r possibly sooner, not sure ), I started receiving notices by mail as well as phone calls that I was behind in my payments. I tried asking the callers how I could be behind when I was making payments that were in excess of the minimum due and was therefore, in reality, ahead of schedule. I was never given an answer. The only response from them was, " When are you going to pay. '' After several rounds of this I quit answering the phone calls. I continued to make 'extra payments but no matter how much I paid ahead, the calls and notices continued. In  XXXX , I sent a letter to  XXXX  outlining the payments I had made vs. the minimum amount due and showing the amount that I was ahead by. I have never been given the courtesy of a response. It should be noted that it was a long time before I started receiving a monthly statement. The first one I find in my file is for  XXXX . In  XXXX , I sent a second letter to  XXXX  with a {$500.00} payment. In that letter I reiterated the info and facts of the first letter as well as a request of credit for all late fees and charges I have made by their errors as well as a payoff amount for the loan. As of this date, I have received no response to either of my letters. I received a debt collection letter dated  XXXX , that states that I am behind {$260.00}. There is no credited acknowledgement of the above indicated payment of {$500.00}. On their paperwork they have indicated, " There is no prepayment penalty. '' Yet it is clear to me that I am being penalized for doing just that. I am at a complete loss as to how to have this problem rectified, thus I am contacting you because I want to pay off this loan. I want to pay what I owe but nothing more than that. Thank you for your time, interest and assistance in resolving this matter!                    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 03/31/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Application, originator, mortgage broker

Complaint: I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. 
I tried many other Banks and help. No good. 
They bought XXXX XXXX mortgage in a heart beat. I was out! 
This is a terrible Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Today on XXXX XXXX, 2016 I have received 3 phone calls from Receivables Performance Management. Every time I answer my phone, its dead air and they are not speaking. I call back and got disconnected on more than 6 times. I placed a cease and disease on my account to stop contact me because of the harassment number of phone calls in one given day. After I placed the cease and disease on the account I received another phone call from Receivables Performance Management.

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 01-10-2018 about Debt collection (Medical debt) with The Schreiber Law Firm, PLLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received several calls from a local number to XXXX ( XXXX ) XXXX XXXX XXXX or XXXX XXXX. The latest call was on XXXX at XXXX XXXX MST. They were attempting to collect a debt from the XXXX XXXX XXXX for a medical bill that was paid sometime prior to XXXX. 
I have not lived in XXXX since XXXX or visited the XXXX XXXX XXXX XXXX since XXXX. 
When I asked the company name for which they were attempting to collect a debt they hung up. When I called back they told me it was for the XXXX XXXX XXXX XXXX threated to send me a subpoena to XXXX county court then hung up again. XXXX XXXX XXXX would not give me the date of the original debt, continued threats to send me a subpoena and hanging up. 
After 4 attempts to call back and speak with them, I gave up. 

I am disputing the fact that there is even a debt and if there was the debt would be 22 years old well  beyond the Statue of limitations for medical debt for XXXX ( 6 years XXXX Revised Statutes Title 13 S.80-103.5 ) and XXXX ( 6 years 78B-2-309 )

Company response to consumer: Untimely response
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE 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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: on XX/XX/XXXX i mailed in a dispute in reference to an account being collected by professional debt mediation account number XXXX as being a incorrect account number in the amounts of {$650.00} an {$580.00} i also spoke with someone at the credit reporting agency and i was assured that this matter would be reinvestigated and corrected and i recently recieved a reply back stating it has been certified an will remain on file when i know its reporting inaccurately, futhemore, i also disputed a public record filing [ chapter XXXX bankruptcy ] on XX/XX/XXXX which i requested verification of there method of verifying this information they failed to provide me with any documentation i aslo went as for as to provide the reporting agency [ experian ] with a copy of a letter i received from whom they claimed to have verified the info from stating they dont communicate with any third party creit bureaus along with a copy of a letter where i had a security freeze place on my XXXX/XXXX credit file and they still havent corrected the error

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 05-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (I do not know) with Timothy C. Runyan, P.C. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I HAVE XXXX JUDGEMENTS ON MY CREDIT REPORT FROM 1998. I DO NOT RECALL THESE CREDITORS NOR DID I KNOW I HAD THEM ON MY REPORT UNTIL I APPLIED FOR A MORTGAGE AND WAS FORCED TO MAKE PAYMENT ARRANGEMENTS WITH THESE ATTORNEYS/DEBT COLLECTORS. ITS BEEN 20 YEARS SINCE I RECIEVED A SUPEANA AND I DID REPLY TO JUDGEMENT AND NOT HEARD NOTHING. I WAS TOLD IF I COULD PROVE THIS ISNT MY DEBT I WOULDNT HAVE TO PAY IT. I DONT RECALL THIS IS FROM 1998. WHAT CAN I DO?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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 09-07-2016 about Mortgage (Other mortgage) with Royal Pacific Funding Corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: I and my co-borrower have recently canceled our purchase of the property at XXXX XXXX XXXX CA, due to bad communication practices and a botched loan process from our loan officer XXXX. Now we also are dealing with the bully tactics from the seller Realtor/broker XXXX who is trying to take our {$10000.00} Escrow monies that are protected by a Contingency. These XXXX characters need to be investigated and reprimanded. Also, the seller Realtor/broker XXXX had his license suspended last year XX/XX/2015!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Penn Credit Corporation (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (LA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX 21st Mortgage sent me a letter in regard to my first complaint # XXXX. The payoff amount at that time was {$870.00} good through XXXX XXXX and {$890.00} good through XXXX XXXX, XXXX. When I called XXXX XXXX, Staff Attorney it was changed from those amounts to almost {$3000.00}. I had explained to him that I wanted to pay it off and he did n't comply he paid the insurance and now I have to pay this amount. I have called them on numerous occasions and now they are sending me a foreclosure notice because of this saying I owe them {$870.00} or they would take my home. I tried to call XXXX XXXX, a financial counselor and he hung up in my face. The next thing I know I am talking to a woman who is being rude to me and think she can say and talk to me how she wants, I immediately told her I wanted to speak to either XXXX XXXX or XXXX XXXX. She left me on hold for approximately 25 minutes and they ( meaning 21st mortgage ) sending me to different places and different people. This company and their scare tactics has driven me to become XXXX and afraid. I am a XXXX Veteran with XXXX XXXX XXXXXXXX due to XXXX and XXXX XXXX. They refuse to let my daughter speak with them and when I am on the phone with them, they are threatening me and telling me there is nothing you all can do about it. I would still have to come through them and they can make my life a living XXXX if I do n't pay them. Since then I have called my doctor and explained to them I am having XXXX  because of this event that is taking place in my life. I ca n't sleep or eat and I am losing weight not trying to lose and my XXXX XXXX is very high. PLEASE I AM A VETERAN THAT NEEDS HELP AND I DO N'T KNOW WHERE TO TURN AND WHAT TO DO. During Hurricane XXXX there was a trailer company that came to XXXX XXXX La and everyone was so devastated they wanted to come home and brought trailers from these people, and so did I. 21st Mortgage have ripped off a lot of people old and XXXX because they do n't have anyone to fight for them. If I owe them {$3000.00} why are they sending me a book for another year that I owe them how is that possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Rent Recovery Solutions has been showing duplicate collection items on my credit report and will not remove the duplication. I have filed disputes with all credit bureaus and Rent Recovery continues to state the debts are valid. I have never received any statement from this company as to the debt owed and can only say that I did live in XXXX XXXX XXXX at one time and rented XXXX unit. There is absolutely no way that there should be XXXX identical items on my credit report and there should at least be some communication in writing showing what the debt is. This appears to be a very shady company, but I want the duplicate item in my credit reports cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Hello, About 1 month ago, XXXX 2017, I opened a credit card through XXXX credit services, which they promote ad nauseum on their website. When you activate the card the system asks you if you want future XXXX purchases funded with the credit card, or if you 'd like to keep your regular payment method as the preferred method of payment. I chose NOT to have the new credit to be used as a payment method. I then checked my settings to be sure that my credit card would not be used as the payment method. 

When I made my next XXXX purchase the payment went directly to the credit card. I checked my settings again and they were set to have my bank account as my payment method. I made another purchase through XXXX and it went onto the card again, and then a third time. 

I contacted XXXX and they basically said they must have made a mistake, but there was no way to change the purchase method, it was too late! I then canceled the credit card and my regular XXXX account and told them to send me the bill for the balance on the credit card. They have not sent a bill. I have tried to speak with them on several occasions, simply to pay my bill but they say my account has been closed and they are n't able to see anything in my account. I have asked for a bill over and over again and on several occasions, they have hung up on me or transferred to an automated phone system. This has happened many times. 

I opened the credit account in order to build a credit history and had planned on using it very judiciously, now my credit report states that I have opened too many accounts then closed them. This is fraud. What can I do? There are no email addresses or other phone numbers to use to contact XXXX. I fear my credit is suffering through no fault of my own. 

Thank you for any help you can provide,

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 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citi Bank closed my account without notification. The account showed me that I was a XXXX balance and my savings was XXXX. They gave me no communication saying that they would be closing the account. They told me that I was XXXX dollars overdrawn of which I have no record of, no email, no online alert or message and no balance fluctuation online. I spoke with a supervisor who stated that he would reopen my account in 2-3 days. After 2-3 that account was not reopened and they lied to me saying that it had been more than 30 past due but in fact by their own statement " that account was overdrawn by XXXX on XXXX XXXX and closed on XXXX XXXX, which is 7 days.

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 06/16/2017 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am having problems with BMW financial with my loan. At first I requested for a date change and they messed up and made me pay an extra payment. At that point I requested for the change to be placed back. I then went and made a payment on the account. Apparently the last  XXXX  digits to the account were transposed and they were not able to collect the payment from my   XXXX   XXXX   account. At this point I noticed that my credit beurea reflected a late payment. I called BMW financial and spoke to them and verified the last  XXXX  digits of the account. When I realized the last  XXXX  numbers were transposed I made a pay ment for what was behind and I also paid a month in advance. They are not working with me on this as they can clearly see it was a transposed number and as soon as it was fixed the payment went through. They are not being helpful and there customer service agents are very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: BarclaysCard shut my account down with out any warning, mentioning some unspecified violation of bank policy. They seized roughly {$1000.00} worth of points. Please help me get a refund check for the roughly {$1000.00} worth of points they stole.

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 10/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have received correspondence from this company both by mail and by phone call. They claim too be collecting for capital one for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.

Company response to consumer: Closed with explanation