milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has refused to correct a mistake with my SSN when they took over my loan from XXXX. This has caused me to file incorrect ( overpaid ) Federal Tax returns for several years. They also reclassified the loan from VA to conventional.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Equifax and XXXX are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: They called and said they would give me a hardship settlement if I paid them right now with debit. They said checks and credit are not acceptable. He said he would be forced to go further if I do not pay and take me to court. They then proceeded to harass me at work, I did not give them my work numbers. XXXX XXXX is the name he gave me XXXX. The ladies name was XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lien Enforcement Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company, Lien Enforcement , Inc - Wrote a letter, as I will attach, threatening for me to pay a fine of XXXX for a fine for a towing company for a car I DO NOT OWN ANY LONGER. We have already been to the XXXX and filed our release of liability, last XXXX 2015 -We have called to confirm, and XXXX also advises we are not the owner. The company threatens to report me to debt collection, and when calling to notify them that we are no longer the owner and that we can provide release of liability, they inform us " it will do us no good. '' They need to do their work, and notify the correct owner of car, as XXXX can confirm that information for them. They are a SCAM company, trying to bully other owners into paying money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with Optio Solutions, LLC (WI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. 

Clearly they have ignored my written instructions in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a chapter XXXX bankruptcy listed on my credit reports with all three credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all three credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: I got the XXXX corporate rewards ( XXXX points = {$250.00} ) card and I lost it in XXXX 2017. I called XXXX then to send me a replacement card immediately in XXXX 2017. I never received the replacement card and i forgot to follow-up on this request. I called the same number today and they are telling me that card expired in XXXX 2017 and there is XXXX balance on it. This is unfair because they did n't send me the replacement card and now it expired. Did they wait for the card to expire so that i dont get any money back? It is {$250.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NV).
Issue: Shopping for a loan or lease

Complaint: I am XXXX of the victims of XXXX minority borrowers to pay higher rates to Ally Financial, according to a complaint filed at federal court. U.S. Justice Department and regulatory claims that the firm helped car dealers inflate the cost of auto loans to XXXX and XXXX borrowers. Due to a very high interest rate, it 's been very difficult for me to make the car payments. I 'm currently in the XXXX and last request for extension and so I have exhausted all. Pleas help me with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (OH).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I took out a car loan from a local car dealer, and was toldthat it was simple interest with no prepayment. To my surprise afterwards, and my fault for not reading the entire contract, there was a prepayment penaltySo with that said, I have prepaid the loan to {$.00}, but I am now gettingharassing phone calls from USBank telling me I am past due even though it isnot due XX/XX/XXXX. I have spokento more than a dozen USB representatives, trying to explain that I haveprepaid it, they acknowledge it, and even sometimes even embarrassed. Theyexplain, that there computer system can not handle the prepayment, andthat they will continue to call me. They state the only way that they will stop isif I pay the prepayment fee, which is not owed. How do I get USBank tostop the harassing phone calls?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Auto debt) with BRite Financial Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have a car loan through Brite Financial. I was told at the dealer that I would pay bi weekly but I am being charged weekly which is resulting in me being late every week and every month. I had this car going on three years with only a two-week balance as of right now. I informed the agents that i can not receive calls during the day only after XXXX ( 6 months ago ) and I have received at least 15 calls per week since then. Today I received 5 CALLS!!!! I already made my payment today but they call me back to back. This is presenting an issue with my work. I told several agents to make note that I ca n't have calls until after XXXX XXXX. They said they would switch me to bi weekly once I had a XXXX balance. I borrowed money twice to get a XXXX balance and I was told the only person who can change my payment frequency was off which resulted in another weekly payment and made me ineligible to change my frequency.

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 01/15/2018 about Debt collection (Credit card debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA not mine / No knowledge of the account / too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My bill with American Express was due on XXXX XXXX. The amount was XXXX. I pay my bills on time. I decided to pay XXXX, about 2 weeks before the due date bringing the bill down to XXXX. One week before the due date I received an email from American Express informing me that if I did not make a payment immediately the bank May suspend charging privelegs. This is not the first time I have received threats and harassment prior to the due date attempting to intimidate the cardholder to pay the bill prior to the due date, I called them and was very clear that the bill would be paid on the XXXX and not before because this is when I get paid and I have a budget. I also told them I have a mortgage but never receive intimidating emails threatening to cancel my mortgage if I dont pay it earlier than the due date. I have had my card fir 25 years with them. It is outrageous that XXXX contacts their customers with these threatening demands and they should be made to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Money was not available when promised

Complaint: On Tuesday XXXX XXXX, 2017 I went into my Chase bank branch. Made a wire transfer from my account in the USA to my account abroad, XXXX. I have wired money before and it has taken two business days.
The transfer did not go through after two business days so, I called the branch on Thursday X/X/17. They told me that technically they have until X/X/17, but that they will look into it. The branch manager called me back and said that all was good that the money had been released.
I arrived into XXXX X/X/17 and no still no money ; I was to close on a home here today X/X/17 and nothing.
I called on X/X/17 to inquire about wire transfer, they said it should be released within 1 hr. Monday X/X/17 still nothing, they said it was out of their hands and that I should call the Chase Wire department.
I called the Chase Wire department ( this international call will cost me a lot of money ) and they said that the wire transfer should be here by X/X/17 ; and still nothing.
Today is X/X/17 and nothing. This is ridiculous, I am stuck abroad, with no money.
**The worse part is that within the phone calls made, I have spoken to several representatives, some passing me on to others, and some even telling me that the transfer does not exist on my account.
For example yesterday I called XXXX, one customer representative said that the money was released X/X/17 ; when I inquired about the delay, she passed me over to another  representative, the other representative told me that she did n't know what transfer I was talking about since she did not see any wire transfer- as you can imagine I was upset. This representative suggested that she contact he branch manager to inquire about this.
She called he branch manager and his response was that the wire had gone through and that I should have the funds available today X/X/17.
That international call lasted over 55minutes. There is major miscommunication between the representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: Chase is reporting XXXX missed payments and charge off on name as authorized user I never put myself on an acct please have them remove from that acct asap thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon recently obtaining my credit report through transunion and XXXX, I discovered a debt showing in collections through a company by the name Midland Funding LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their telephone number is XXXX. They provided an account number of XXXX on my credit report. I have never held an account with this company and they are attempting to collect a debt that I did not make with them. I have never signed nor agreed to open any account with this company. I am certain this company has no agreement between them and I which I signed and agreed to. I feel this company is attempting to collect monies from me that I do not owe them. Judging by the Fair Debt Collections Act, this company is wrong by trying to collect money that I do not owe to them. I have attempted to settle this dispute by sending this company a letter of dispute via certified mail. I would like them to cease collection attempts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi, I requested for a detailed statement of an amount that a debt collector is requesting for me to repay for a cell phone service I had for over 10 years. The debt collector/original collector sent me a bill with the full amount due with no description/breakdown of the amount owed. Can you please look into this issue. 

Original Creditor : XXXX Collector : Diversified Consultants , INC Account # XXXX Agency File # XXXX Balance Shown # {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Fraud on my student loan by XXXX.Multiple violations of Higher Education Act.. Denied unemployment deferment in XXXX 1999, for job searches that were not required as of XXXX XXXX, 1999. Loan was forced into repurchase by XXXX XXXX XXXX but Navient continues to try to collect more money though loan was paid by offset year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (VA mortgage) with MOVEMENT MORTGAGE LLC (NV).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX our family got stationed at XXXX, we moved into a apartment in search of a home prior to our household goods being delivered. We found a home and on XXXX XXXX asked our lender ( XXXX XXXX ) what documentation was needed for a pre-approval, We provided the documents and had completed everything with the realtor paperwork ( contract ended on XXXX XXXX XXXX ), inspections, {$2000.00} in XXXX and were ready to order the appraisal. On XXXX XXXX we gave the lender the green light to order the appraisal. On XXXX XXXX or XXXX the lender said the appraisal was ordered. We received several emails and phone calls from our realtor regarding the status of the appraisal and on XXXX XXXX reached out to our lender and asked about the appraisal because we havent heard anything yet. The sellers, the sellers realtor and our realtor requested some sort of documentation/proof that the appraisal had been ordered and XXXX XXXX refused to show anything reflecting the appraisal had been ordered stating it was " against their company 's policy ''. On XXXX XXXX our deadline/end of contract we still had no information on the appraisal. Our lender claimed it had been ordered and again refused to show anything proving the appraisal was ordered. We really wanted this home so our realtor reached out to the sellers requesting an extension on our lender XXXX XXXX word that he would close on the XXXX of XXXX. On XXXX XXXX My account was charged XXXX $ for an appraisal fee by movement mortgage. The home was placed back on the market and we received a cancellation from the seller on XXXX XXXX due to the inability of our lender XXXX XXXX to be honest and his failure to fulfill the duties the job required him to do. XXXX XXXX we asked lender why my card wasnt charged for when the first appraisal was supposedly ordered. XXXX XXXX response was When the seller is covering costs we initially charge all orders to our account & then it 's applied at closing on settlement statement as a " cost '' & then paid by seller. When this one was re-assigned to the new appraiser there was obviously a chance of it going south due to seller backing out so it was then charged to you at that time in case it did n't close so it would n't be our expense. On XXXX XXXX I called the VA and asked them if they have any information of the 1st appraisal being ordered, the only information the VA had was when the house was purchased previously in XXXX and then XXXX XXXX XXXX when my account was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I was scammed by Core Advisory Group called them back in XX/XX/XXXX when I received their mail advertisement stating I can get help with stopping my foreclosure sale which was scheduled for XX/XX/XXXX. The advertisement is all bunch of lies, telling me I can get a lower monthly payment, interest rates at 2 % and I was a eligible to be a plaintiff to file a lawsuit against my lender and plus their XXXX program can stop any foreclosure process. They are full of XXXX and nothing but thieves that did nothing for me but lie and stole my money. I signed up with this company on XX/XX/XXXX. They sent out a notary person to have me sign their documents and collect my money. After I paid this company a total of {$3600.00}, my house was immediately sold and they did not do what they said they would do to save my house and I want my money back. This is a complete scam. Around XX/XX/XXXX, I tried to ask for my refund but they make me go through their reconciliation process and fill out more paperwork just for my money back and they did n't even responded back with a refund offer until XX/XX/XXXX almost 5 months waiting for an answer just for them to tell me they are only giving me back {$720.00}. These crooks should be locked away for doing this to people. They did not do what they said they would do and that 's to stop my auction from happening to my house and get me a loan modification approval. This company also tried to get me to file for bankruptcy which I do not understand why would I pay them {$3600.00} for nothing when I could had used that money to hire a real lawyer? I feel they do not deserve a penny and I want them to return the rest of the money that I paid them {$2800.00} plus notary fees of {$120.00} so the total {$3000.00}.

Company response to consumer: Closed with monetary relief