milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2015 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I filed a complaint with Barclay Card and FreedomPop and I am coming back. There is inaccurate disclosures from BarclayCard and FreedomPop. 
Charge was {$280.00}. FreedomPop agreed to refund {$260.00} and Barclay will cover the {$16.00}. Freedom pop responded with only {$250.00} within 5 business days. 
I also never pre-authorized FreedomPop to charge my card again, they just have my credit card info for the first charge. Any mediation, arbitration, dispute with merchant should be done with myself and the merchant only ... and Barclay should stay out of it. I went through bankruptcy once and I want to stay in control of my expenses. 
I attach my XXXX account with their set up ... all pre-authorized charge, recurring, non recurring ... so the consumer can manage it ... not the credit card provider.

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 Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Around XX/XX/XXXX or XX/XX/2016 I called Nationstar Mortgage and told them that I 've mailed via USPS Certified Mail a payment in the amount of {$6900.00} which was the total amount due to cure the default/delinquency. I even offered to give the USPS Certified Mail Tracking Number to the Nationstar Representative, but she told me that it was not necessary. The Representative told me she would enter this information ( payment being sent ) in the system. And that everything was good ; that the property is not in foreclosure. 

XXXX XXXX, 2016 I called Nationstar Mortgage to check on the status of my file. The Nationstar Representative tells me that Nationstar referred the file to Nationstar 's Foreclosure Attorney on XX/XX/XXXX ( one or two days after I spoke with them ) and that they were returning the {$6900.00} payment I made. The representative told me that now, in order to cure the default - I need to send Nationstar Mortgage {$8500.00} plus any Attorney Fees and other fees that Nationstar Mortgage had advanced. And that I had until XX/XX/XXXX to come up with the additional monies. 

Incidentally, the Nationstar Representative told me that she would request from Nationstar 's Foreclosure Attorney the amount of the attorney fees they charge ; which she added, could be anywhere from about {$200.00} to {$2000.00} or more depending on what the Foreclosure Attorney charges ; that she would know the exact amount next week. But one thing is for certain, I had until the end of the month ( XXXX XXXX, 2016 ) to come up with the additional monies. 

To re-iterate, during my phone call around XX/XX/XXXX or XX/XX/XXXX, Nationstar Mortgage lead me to believe that everything was going to be fine and that I had nothing to worry about. But on XX/XX/XXXX, I was shocked to learn that Nationstar Mortgage is foreclosing. I performed and paid in full the {$6900.00} what Nationstar Mortgage told me I owed to bring the loan current. It is clear that mistakes were made by employees at Nationstar Mortgage. And what Nationstar is doing in foreclosing my home and making me pay more costs is UNCONSCIONABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (OK).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Horrible Customer service. Account number on my billing statement was not correct. I waited XXXX minute to get a not accurate payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I severed my services rendered by XXXX communications. I paid for all monthly services delivered by XXXX and set a date to end my subscriptions. XXXX alleged that I was under contract and would have to pay fees. I did not acknowledge any such agreement to be in place and asked for proof of said contract. None was given. XXXX failed to end my subscription in which I have correspondence lending to the fact of the date it was to expire. They pursued charges related to their own neglect in the matter and assessed fees associated with a contract in which I have no knowledge of. My refusal to pay the combined alleged debt gave cause for them to turn the matter over to DIVERSIFIED CONSULTANTS, a debt collection agency. I have no affiliation with this group and they have made no considerations on my behalf warranting any type of communication. I ignored all attempts of communication by DIVERSIFIED CONSULTANTS. In the month of XXXX, 2015, DIVERSIFIED CONSULTANTS reported the alleged debt. As a result, my XXXX score went from XXXX ( reported XXXX ) to a XXXX as reported by my bank when I inquired about a loan. I entered a dispute with XXXX which was denied without detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MI).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Today, XXXX XXXX, 2017, I received a Netspend prepaid, direct deposit XXXX that I did not request. I never visited their website, never spoke with then on the phone and never sent postal mail, yet, I received a card in my name today.

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 09/14/2015 about Mortgage (VA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to LoanCare. I have my loan payments to my mortgage/escrow account automatically deducted from my checking account each month. I ave never been late or missed a payment. I received notification from my homeowners policy holder XXXX that payment for my homeowners policy had not been received for the past two month and that my polcy was thus cancelled. I in no way was informed nor authorized any changes to my escrow account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XX/XX/XXXX I tried to retrieve my free credit report, but could not get it because the preselected security questions did not match any of my personal information tied to my name, date of birth, and social security number. In XX/XX/XXXX my mailbox was broken into and my my mail stolen, but the local police caught the suspect and I began the task of filing a report to pursue criminal charges for identity theft. That same year my family 's apartment I was watching was burglarized and my briefcase was stolen containing pertinent vital information on myself and my child. I have a Offense Report, but have never heard back fro the United States Postal Service or the local investigator handling my case. I was shocked to learn that my data is now linked to credit cards, home loans, car loans, and bank accounts through the questions asking specific details showing my personal data linked to these charges. When I was unable to make a correct match I could not receive my report from Experian or XXXX because the automated questions think I am the thief and I must now prove who I say I am to both these agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS ACOUNT SHOWED UNDER MY XXXX AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX erroneously reported a debt with XXXX XXXX XXXX for {$830.00}. I have never had a loan nor received any money from this company. This has adversely effected my credit. I want this removed from my Trans Union and XXXX credit reports as soon as possible. Furthermore, I 've never received any correspondence that would have given me the opportunity to dispute the debt.

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 04-09-2017 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( XXXX ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported 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 03-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX at XXXX XXXX I made a cash deposit of {$1000.00}, all in {$100.00} bills at a Chase ATM. The ATM then ate the cash, all of which was new and did not have staples or any metal pieces to interfere with the transaction. 

The machine then printed a receipt that confirms a deposit was made, but not the amount, that the machine " has experienced a technical error '' and that I should call Chase customer claims. I did that immediately, explained the situation, and was credited {$1000.00} while they " investigated my claim. '' Two weeks later on the XXXX, Chase sent me an email saying the investigation was complete and that the XXXX credit would be removed, and that was the last of the matter. 

I have called the claims department, branch manager, supervisors, and all have told me that 1. the footage of my transaction has not been reviewed 2. the cameras in the bank are pointed at my face, not at the money, so there is no way to review the cash I physically deposited. 

I asked XXXX supervisor why, if Chase ATMs can just swallow a client 's money and there 's no way to prove it on camera what happened, why should anyone use Chase ATMs? She told me " I do n't use the ATMs, they can break. '' I can not believe that a major organization like Chase would be so unable to confirm a deposit made at an ATM inside XXXX of it 's branches, in the middle of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted repeatedly by creditors trying to collect debts owed by ex son in law, XXXX XXXX XXXX, XXXX XXXX is purposely giving my phone number out as his. XXXX is currently XXXX. XXXX is purposely giving my number out to harass my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX Account # XXXX Please have this deleted on my report. This has been paid and I never use it again. 
Please update my records and credit score.

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 09-12-2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NE).
Issue: Money was not available when promised

Complaint: I have a money order drawn on Wells Fargo Bank an no one will cash it. My bank sent it back to me no account found ... .it is dated 2005 ... but from what i read online and what is on the back of the check there is a fee for cashing it ... .which is fine ... but the bank was given the cash to send it to me ... .so someone has the money but at this point seems like profit to them since they wo n't pay me the rightful owner ....

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 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EXPERIAN WANTED TO RESPONSE TO YOUR INVESTIGATION THAT YOU CLAIMED TO HAVE FOUND. # 1 YOUR investigation were and is incomplete because I never Got any of the original sign documents from you in which the FCRA 609 STATES CAN YOU PLEASE SEND ME THOSE THE LAW STATES THAT YOU SHOULD HAVE THOSE ON FILE WHEN THE CONSUMER REQUEST THEM. SO HOW DID YOU COMPLETELY VERIFY THE ACCOUNTS # 2 THE LAW SAY NOTHING ABOUT ASKING THE ORGINAL CREDIT FOR THE FRCA 609 ACT PLEASE EXPLAIN? THE LAW STATES IF THE REPORTING AGENCY CAN NOT VERIFY THE ITEM HAS TO BE REMOVE SO MY MAIN QUESTION TO YOU IS DO YOU HAVE THAT OR NOT?

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 6 inquiries on my report. I contacted the companies to have them removed and they told me to contact the bureau to have this taken care of as they could not. I contacted XXXX  and they removed the inquiries within a week with no problem and I placed a fraud alert on all of my accounts.

I then contacted Transunion and they refused. Informing me that the companies had to do it. So they are sending me in circles with no resolution or willingness to assist me. Only refusal.

The companies are as follows : XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 11/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Making/receiving payments, sending money

Complaint: Hi, I am a Bank of America customer living abroad. I had money transfered to BOA from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Bank of America, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Bank of America ). BOA is not responding to the trace sent by XXXX. In speaking to BOA they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both Boa and XXXX but they were of little help. Again, information from XXXX has been sent to BOA regarding my case as XXXX has opened an investigation. For some reason BOA has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My name is XXXX XXXX and I currently have a Business Account with Bank of America, " XXXX XXXX ''. I have over {$5500.00} of overdraft fees in the last three months and a  larger amount totaled over the span of being a so called " Loyal Customer ''. I believe their is a flaw in their XXXX XXXX, which they have purposely planted, that manipulates personal accounts also called in the business world as " Petty Pinching '' where they attack small account with petty amounts at a time where there is no option for the customer to regain their money. This amounts to over millions of accounts, which ( {$35.00} ) simple overdraft fees could help with their corporate stocks immensely with free money stolen from their own customers. I need help suing Bank of America for my money back and to stop " Petty Pinching '' from affecting others in the future. They are aware of this buy either play XXXX or are blind to the situation from the inside of their corrupt corporation. I also believe that with the help of some tech savvy guys they could find the exact flaw in the system.

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 02-11-2017 about Mortgage (Other mortgage) with Hunter Warfield, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: HUNTER WARFIELD INC placed an incorrect credit information to XXXX. 
Instead of correcting the records, they demand my personal information to correct their information. Based on the letter from them, they did n't even get my names correct. Without a paper signed by me, they called it " Verified '' to XXXX. If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: About 2.5 years ago we could not afford our mortgage payment. We requested a modification. They asked for a mountain of information and we provided it all. 2.5 years later we have not made a payment and they have not foreclosed. We are in fear any day we could be kicked out. We need a resolution. Either they foreclose or restructure our loan. My name is XXXX The lender is Select Portfolio Servicing. Our loan number is XXXX Their phone number is XXXX We

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Payday loan) with National Principal Group, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone has been calling my phone and family members about a loan that was done on line that I did not do and I have never taking out a payday loan online for any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: as my statements on my account show. The bank has been charging me processing fee, after processing fee. Dispersing money constantly from my account. Week after week. I have been stressed over the matter. And would like something to be done about it. Requested that they put a stop on overdraft fees. and they still continued to overdraw me. I felt as if they have stolen money from me. Purposely.

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