milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have yet to find anyone to help me at Bank of America. I am getting the run-around from Bank of America employees and staff. A Bank of America rep has told me on multiple occasions that my fraud dispute is being investigated to no truthful answers. I was told by an employee of Bank of America to escalate the matter by calling the police. The police then told me that it was a postal inspector matter. The postal inspector 's office then told me it was a police matter. So here I am. I basically, opened a secured credit master card through Bank of America - and before I even received the card, {$1000.00} dollars had been spent without my even receiving the card. I reported the situation to B of A 's fraud department and that is where the runaround began. 
Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was employed with JPMorgan Chase & Co. from XXXX XXXX XXXX. During part of the XX/XX/XXXX year, I was receiving short term XXXX where I was entitled to 60 % pay. On XXXX XXXX, XXXX I received a letter stating I had been overpaid through XXXX XXXX XXXX XXXX pay periods. This letter is titled " 2nd Notification of Overpayment ''. I never received the first letter. Also, I have lived at the same address since XXXX, have a locked mailbox, and check and open ALL mail Monday - Saturday. The letter states that I owe {$1900.00} upon receipt of the letter. I contacted accessXXXX at JPMorgan Chase and spoke with a representative who said he could find no mistake in my pay to indicate that I was overpaid at all. He escalated my call to Sr Specialist XXXX XXXX. XXXX supplied only the amounts I should have been paid before taxes. He said he is unable to supply an after tax amount that should have been paid so that I could compare it to my bank statements. He claimed the ability to " compute '' taxes is impossible. He also said he could not provide me with documentation to prove the total amount listed as owed is actually a correct calculation of what I owe and not larger because of an incorrect tax calculation. How can he be sure its correct if he is telling me tax computation is impossible to begin with? He advised that I could not make any payment arrangement with JPMorgan Chase because I am not a current employer. If I did not pay the full amount on the day I called then he would report me to a collections agency. He assured my credit would not be impacted. I 'm finding that hard to believe. He also said I would be barred from working in other financial institutions if I did not pay the funds. I have been provided with zero documentation to validate these claims. Nor has the company agreed to get documents to me by any method. I do not believe I was overpaid because JPMorgan Chase paid an amount directly to me with the assumption that those funds were due. I lawfully received those funds and spent them with the knowledge and assumption that those funds were due to me. At no point did I initiate those funds myself into my account, nor did the company contact me for 3 years to report an error. XXXX refused to provide me with contact information or even the name of the case worker handling my case.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this. 
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with Curtwright & Klein, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company Kurtwright and Klein LLC has called me three times over two days in an attempt to get contact information for my deceased father 's widow. I have told them I do not know how to contact her, and I firmly told them in every call not to call me back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Vehicle loan) with V and H Portfolio (FL).
Issue: Problems when you are unable to pay

Complaint: My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (OH).
Issue: Managing the loan or lease

Complaint: I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a Capital One card that I set up automatic payments on. Some how the payments were only made for the first month and they deducted twice the amount that was supposed to be deducted. I called them and they advise it was a mistake and refunded my money. For the next 7 months, no payments were made on the account. I was not aware of this as I work nights and my wife handles the checking, until I received an email that my account was going to be closed if I did not make a payment in the next two weeks. I made the payment and immediately called them. They investigated it and reviewed my past calls and confirmed that this again was their mistake. They advised me that my card would be reinstated and that any late payments would be removed from my account and record. None of the late payments have been removed. I have disputed this with all the credits beroes and Capital One always comes back and states the reporting is accurate. They do not take the time to review my past calls or the record.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Payday loan) with Alliant Capital Management LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I applied for a payday loan to help my XXXX sons who just stated college XX/XX/XXXX, I was XXXX that afternoon when I went to work, XXXX XXXX XXXX was told verbally of my situtation, XX/XX/XXXX I return a call from Alliance Capitol Mgmt XXXX XXXX, I explain to her that I 'm still unemployed, she started asking can someone help me I let her know my family is helping me from becoming homeless, she ask what about unemployment, I told her that it ended and I was n't getting enough to pay back an loan, my concern was keeping a roof over my family, she got aggressive asking about my income tax, if I own my home and how much was my employment, she was wrong on so many levels, she even said I knew I was getting fired. I am under alot of stress and I do not need this

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a rented instrument from XXXX XXXX XXXX and returned it. Upon checking my credit report I noticed an item in collections for {$2700.00} and it was from XXXX XXXX XXXX. I called them and they sent me a copy of the receipt showing my returning the instrument, I them filed a dispute with XXXX XXXX toTranswrld ( the debt collector ) and when the decision came back it was unchanged although I attached a copy of the receipt to the dispute. I am trying to repair my credit and definitely do not need derogatory items that do n't belong there. Any help you can give me would be greatly appreciated. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On Fed XXXX, XXXX I received a call from XXXX. My boyfriend answered the phone and the man on the line wanted to speak with me. I was unavailable so I called back the next day on XXXX XXXX, XXXX and a lady named XXXX answered. I could n't understand what company she was working for and asked her what this is about. She did n't ask me for any information & I figured she pulled up my info based off of my caller ID. She said it was about XXXX XXXX XXXX XXXX XXXX debit. I told her I did n't know what she was talking about since I paid off XXXX garnishments last year & my credit score has only been increasing since then. I asked her when the last payment was and XXXX said XXXX XXXX. When I checked my credit report, my last payment to XXXX XXXX Bank was actually XXXX XXXX. Not sure why she told me the incorrect information but it started to feel fishy ... .something did n't seem right, a bit like a scam. She never asked me to verify who I was other than I told her my name at the start of the call but she never verified my birthday, Social Security #, address, etc. She never told me " this was an attempt to collect a debt. Any info obtained will be used for that purpose '', nor did she advise if the calls are monitored or recorded. She told me I owe {$1600.00} plus {$5000.00} fine & court cost or I could go to jail for 5-7 years. She caught me off guard & I got upset, XXXX XXXX XXXX. I asked about a settlement & she put me on hold to speak with an attorney about my case. I was on my lunch break and could n't remain on hold any longer and just hung up. She called back 2 other times that day & left me a message saying to call them back otherwise they will have to move forward. I never called back because I could n't trace back their callback numbers to any law firm. This seems like a scam. It has been 2 weeks and I have not received any validation of the debt. XXXX left me a last voicemail on XXXX XXXX, XXXX saying the attorney is moving forward & I will be summoned for court & she even said my current address on my voicemail. Kind of creepy since I 've never verified any of my information with this lady/company and I 'm not sure how she knew my personal information. I 've lost sleep over this issue lately and have had some stress issues too. I do n't want to go to jail and have never been threatened like this before. I thought according to the F.D.C.P.A. that they ( bill collectors ) had to go by customer service now and not bullying someone. 
Here are the phone numbers for this " attorney 's office '' -- yet I can not find any exact listing on the internet. Why would n't a law firm 's phone number trace back to them when I try to find out who they are specifically? 
XXXX XXXX XXXX ext XXXX ( this # comes up as a fax machine # for XXXX XXXX in XXXX XXXX , FL XXXX XXXX XXXX Thank you for your review and help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Mortgage debt) with Real Time Resolutions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt appears on credit report. States that it is a mortgage loan for one month. Not my mortgage loan. Nobody takes out a mortgage loan for one month and for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing the loan or lease

Complaint: I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our house XXXX XXXX, 2016 and the XXXX house was paid off. Our last statement from Carrington mortgage stated that we had an escrow balance of {$1300.00}. We just received our escrow release check for {$770.00}. We called Carrington to see why we did n't receive our full escrow amount and they stated that they paid the property taxes on XXXX XXXX. Our taxes were {$1000.00} so that does n't make any sense if you do the math. I called the county to confirm and they said they only received one payment for the taxes, which was from XXXX at closing, so Carrington mortgage did not pay our taxes. There was nothing else due in XXXX to come out of our escrow, only the taxes. I have attached the receipt from the county to prove that only XXXX paid, our last mortgage statement showing the last escrow balance before paying off the loan, our refund check, and the annual escrow disclosure statement to show that nothing else was due from our escrow account. When I contacted them to get a resolution they said that I would have to reach out to the Carrington research department. I did fax them over all the same info. We want the remaining balance of our escrow back of {$550.00} and were depending on that full amount of the escrow money. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Billing statement

Complaint: I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in XXXX. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in 6-10 business days. While I do not know if this is a regulatory issue, it seems the intent of Synchrony is to withold information from clients who wish to continue receiving paper statements. Being over XXXX, I am not comfortable relying soley on this delivery method.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: Experian Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. Experian is reporting fraudulent information to possible creditors. XXXX is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what XXXX sends to my creditors.

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 06-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This Debt was Charged of in XX/XX/XXXX with XXXX. In XX/XX/XXXX it went to Asset Acceptance LLC. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, Asset Acceptance , LLC, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with DISCOVER BANK (MO).
Issue: Credit card protection / Debt protection

Complaint: A criminal in Massachusetts called Discover and requested a card in our name and number on XXXX XXXX, XXXX. Discover asked them questions which answers could be found on our driver 's license. They did not use security question answers which I assumed they would. They received a card on XXXX XXXX, XXXX and began charging at XXXX in XXXX, MA ( the first charge which was {$210.00} ). Then charged another XXXX charges at different times at XXXX each over {$200.00}. They also went to a few fast food places and a XXXX in XXXX, MA ( both charges over {$200.00} ). 
We found out about this when my husband tried to use his Discover card on Saturday, XXXX XXXX, XXXX and it was declined. He told me when he got home and I immediately called Discover Card Services. They said that they had sent out a card to a person claiming to be my husband, XXXX XXXX, in Massachusetts. I asked why they did not call me or email me to verify the request. They said that they had tried " several times ''. I never received a call or email. I told them that I had not received a call or email. I have credit card protection with them which I pay for annually. Some protection. 
Can you help us? 
This same scenario happening to us XX/XX/XXXX with our XXXX XXXX. 
They gave us the same response of having called and emailed several times. I never received an email or call. The charges also originated from Massachusetts. 
Something is occurring at these credit card companies that, in my opinion, appears to be internal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.

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