milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A company called XXXX XXXX is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$600.00} but I have never done business with them and I have never received any letters or notices from them. The account number from Convergent on my credit is : " XXXX ''. This is the second collection company within the past year to try and collect this same exact sum of money from me. Another company called XXXX XXXX XXXX is also currently working trying to collect {$600.00} but they have a different account number. XXXX XXXX 's account number is # XXXX. How can it be possible for two collection companies to try and collect on the same debt? Is n't this illegal? Also, why did XXXX XXXX not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these two companies. There is a 97 % negative review rating and over 923 consumer complaints listed on the XXXX XXXX XXXX XXXX website for XXXX XXXX! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

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 08/21/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Trouble during payment process

Complaint: I am not past due on my mortgage and I attach again their representative sent me an email verifying they doubled my escrow balance and owe me a check for {$12000.00} I still have not received my check and would like my check immediately!

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 Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Balance transfer

Complaint: Recently I opened a Barclaycard Arrival Plus credit card. Part of the offer included a 0 % interest balance transfer for first 12 months. I initiated a balance transfer from my XXXX XXXX Credit Card in the amount of XXXX on XXXX/XXXX/15. However Barclaycard initiated a second balance transfer in the amount of XXXX that I did n't approve. I noticed this on XXXX/XXXX/15 at which point I both called their customer service line, and opened an online message/ticket. After two weeks of no resolution, I was finally able to get a hold of someone who could answer my questions, and they told me they were unable to reverse the balance transfer, at which point I would need to contact XXXX and ask for a check in the amount of the second balance transfer amount, and then pay my Barclaycard down with that money. Since I did n't authorize this charge on my card, I fail to see how Barclaycard sending money to XXXX is my responsibility? My credit card came with a promotional offer if i spent {$3000.00} in the first 90 days, I would be rewarded with XXXX miles. However, since they have effectively maxed my credit card out with a double balance transfer I of course am unable to use the card. Also, it is making my debt ratio look much higher, and potentially pulling down my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (UT).
Issue: Application, originator, mortgage broker

Complaint: I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In  XXXX  of  XXXX  I got my  XXXX   XXXX   XXXX  financed through Citez  ens One Auto Finance.
( 1 ) I received my first statement and then I never received one after that. The only way I could make my payments was online because any other way they charged, But that was the only thing I could do online, ( 2 ) the webs  ite did n't allow me to view any of my statements.   Each month, my payment due was  XXXX  I payed almost {$150.00} more than the payment due. When I called to see how much I owed on my loan, it just didnt seem to add up to what I had been paying.   When I started investigating this to see where all of my extra money was goin g ( thinking  it would automatically go to principle. ),  ( 3 ) they told me that all extra payments went half to interest and half to principle. I called multiple times to ask for a statement to be sent to me so I could see exactly where my money was going, since I could n't pull it up online. ( 4 ) It took four weeks for me to receive my statement in the mail. ( 5 ) I wa s told that they were not allowed to email it to me and it would be a  XXXX  charge if I wanted it faxed.   After being fed up with trying to contact them and receive information I went to my local credit union and started the process of refinancing my truck through them.   When I had to make my last payment through Citeze ns One Auto Finance, ( 6 ) I entered my account to find that now I was no longer a ble to pay  XXXX  and now I was ONLY able to pay  XXXX  and nothing less . ( 7 ) That me ans that changed my payment without consent from me, and also did n't give me an option to put my extra payment towards principle.   I lost over {$1300.00} with this company because I was under the impression that my extra payment went to principle when only half was going to principle, I was told that there was no way they could move it all back to principle.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2017 I requested Wells Fargo Bank to pay my Water/Sewer Bill to " XXXX '' using their 'Bill Pay Service ' from my checking account. The XXXX payments sent on XX/XX/2017 [ {$30.00} and {$170.00} ] went to the wrong XXXX address. The payments were not credited my account with/by XXXX. XXXX required me to send payment again and I did. I filled a complaint with Wells Fargo and they refused to cancel the payment. They replied " our research has confirmed that this payment with no error on our part. '' I believe they had a duty to determine the depositor of these XXXX checks was the Payee Specified [ XXXX ]. They claim they have no way to retrieve the monies intended for XXXX [ specified payee ].

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 07-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls repeatedly from different numbers. Called at home and work. Made threats about attorneys. I do not owe this Company, however, they are not interested in hearing what I have to say.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (PA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I fill out a application for a jcpennys credit card, and the lady at the jcpennys said her credit score was  XXXX  hundred and she got approve for jcpenny card. My score is  XXXX , and they did not approve me and I fill like u got discriminated against.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX offers free XXXX XXXX monitoring through Trans Union. 
Scores. XXXX XXXX : XXXX XXXX A drop of XXXX points. I use all my credit cards every month also paying my balance is off in full every month demonstrating responsible financial behavior I sent a copy of Trans Unions explanation why the XXXX XXXX dropped so much which does not apply to me. I enclosed a photo copy of the XXXX XXXX XXXX fico score chart and copies of bank statements reflecting Usage and payments of credit cards

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 02-10-2017 about Credit reporting () with JPMORGAN CHASE & CO. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made monthly payments on a Chase credit card via auto pay through their website. The payments showed made each month when I logged in as well as on my monthly statements.Then in XXXX of 2016, they reversed every payment saying my bank refused them. We are talking years worth. My bank said they never returned any payments. Since I could n't see the payments coming out of my bank, I paid Chase very soon after each time they hit my account with returned payments. They did that in about XXXX batches totally almost {$5000.00}. Then, they reported to the credit bureau that I made these payments late! I do n't know what happened in the inner workings of Chase Bank and my bank XXXX, but to my knowledge those payments were being made each month in a timely manner, my proof is my statements from Chase. In all those years I have n't been late on any payments. As soon as the problem arose, I paid Chase. They should n't have reported me as willingly making late payments, when I had no knowledge there was a problem with my payments to Chase until XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection showed up on my credit report from " Allied Collection Service '' in XXXX XXXX, NV ( original creditor XXXX XXXX. After numerous attempts to get Allied to remove collection from my report at the directive of XXXX XXXX the agency hung up on us, then told us to contact the 3 agency 's directly and laughed. XXXX XXXX had tried very hard to help and the finance manager for XXXX had personally called Allied directly to resolve the issue only to be hung up on. XXXX XXXX has detailed notes in the system of the last 2 days of actions. 
The chief compliance officer for Allied Collection Services went as far as to yell that I had a false statement and I was pretending I had a Lawyer. XXXX XXXX XXXX XXXX. ( Attorney at Law ) my attorney for years contacted them and let then know that they were not complying with the request of the original creditor. 
XXXX XXXX has also said they they will take the actions of the agency under review and might terminate the contract because of the behavior and defiance of the management and officers in reference to the unethical way they treated both the XXXX XXXX employee 's and myself. 
Please take my appreciation and thanks in advance for any and all help you might be able to provide. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Rewards

Complaint: Rewards points incorrectly subtracted from account in the first quarter of 2015 on a purchase and my account has been negative in excess of over despite me continuously using my card and earning rewards. Spoke with XXXX via Discover chat who confirmed that this should have not occurred. Transcript attached.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: In  XXXX  of   XXXX    XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) r eceived an execution on money judgement for a charged off credit card debt. The deb t collectors of Lustig, Glaser and Wilson  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issue, the CFP can get to the right people to make this right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I am undergoing a short sale and have submitted all of the requested items through the realtor. The realtor sent me a screenshot from XXXX on X/X/2017 that said " Thank you for uploading all the requested documents. This short sale file has completed the processing phase and is now in transition to the auction phase. Please allow 5 to 7 business days for the reassignment and initial negotiator review process. The negotiator will contact you regarding any additional information that may be needed. Thank you. XXXX XXXX Also this was received today " This message is to inform you that the offer submitted in XXXX via the tasks has been received and is now being referred to XXXX  to conduct the Offer Validation Program. Please keep in mind weve saved a spot for the original offer to participate in the online marketing event. Simply have the buyer call XXXX customer service at ( XXXX ) XXXX or XXXXXXXXXXXX and theyll assist the buyer in getting registered. Auction dates will be set within the next 7-10 business days and will be available on the XXXX website once set. These dates will not be provided please be sure to check XXXX for the dates. Keep in mind the following : 1. ) You will remain fully involved with your listing. 2. ) Your commission stays 100 % intact. 3 ) XXXX Services are paid independently of your commission. '' From XXXX XXXX from XXXX. <P/><P/>As you can see I and the realtor are doing precisely as directed by the lender and I 'd like to do a short sale to prevent a foreclosure however it definitely appears that the bank wants to foreclose as I received a notice of Trustee 's sale today. <P/>There is an existing offer and the home is going through a short sale auction where the winning bid may purchase the home, but I am not sure they will be able to if their is a Foreclosure Sale date in about a month. <P/><P/>Please help me avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CITI Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 02/26/2016 about Consumer Loan (Personal line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Managing the line of credit

Complaint: I took out a personal loan from Wells Fargo in XXXX of XXXX. I have been receiving letters from them for close to a year, asserting that I am behind by XXXX payments. My payment, per month is {$210.00}. By their calculations I now owe a total of {$1500.00}, which includes unpaid late charges of {$740.00}. I sent XXXX copies of my checking account statements, showing the payments were made. I have been unable to resolve this issue, with the most recent correspondence, from XXXX XXXX, XXXX XXXX XXXX - XXXX, stating that XXXX payment on XXXX XXXX, XXXX was made and applied completely to interest, as " no payments had been made for three months prior. '' She never addressed the copies of my statements showing proof of my " missing payments ''. I have been to the branch office in XXXX XXXX, PA, but to no avail. They state they can not do anything about it, that I must call the company directly, which I have done numerous, numerous times. I would appreciate any assistance that you could 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 04/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up to get all XXXX free credit reports on http : //freecreditreport.com/ on XXXX/XXXX/2016. I also disputed information to all XXXX credit reporting agencies and those things were taken care off. XXXX of those steps required an Experian, XXXX and XXXX logins to be created. I noticed that they charged me {$21.00} on XXXX/XXXX/2016. I logged in into Experian.com to see the situation. Their opinion is that I signed up for Experian Credit Tracker. I cancelled it right away on XXXX/XXXX/2016. I never signed up for that service. I already have the same Experian Credit Tracker through Experian ProtectMyID. I talked to Experian customer service ( XXXX, id # XXXX ) on XXXX/XXXX/2016. They said that they would not refund {$21.00} money.

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 01/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with Alacrity Collections Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a bill to XXXX XXXX XXXX and XXXX on XXXX/XXXX/2016. This payment was posted to my checking account on XXXX/XXXX/2016. As per XXXX at Patient Services, the payment processing service for XXXX XXXX XXXX and Imaging, their records confirm that my payment was received on XXXX/XXXX/2016 and the account was sent to collections on XXXX/XXXX/2016. As it is unlawful to attempt collection on an account that has been paid in full, I request an immediate investigation of this alleged violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Settlement process and costs

Complaint: THE LOAN CALCULATIONS DO NOT ADD UP AMOUNT FINANCED {$180000.00} FINANCE CHARGE {$130000.00} TOTAL PAYMENTS {$320000.00} ANNUAL PERCENTAGE RATE 4.389 % TOTAL INTEREST PERCENTAGE 59.192 % IM WRITING ON XXXX/XXXX/2016 IM SUPPOSED TO CLOSE ON XXXX/XXXX/2016 PLEASE HELP ME THANKS

Company response to consumer: Closed with explanation