milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Payday loan, title loan, or personal loan (Title loan) with Financial Asset Management, Inc. (UT).
Issue: Can't contact lender or servicer

Complaint: XX/XX/XXXX-took {$250.00} title loan on XXXX XXXX XXXX XXXX. XX/XX/XXXX made {$120.00} payment. On XX/XX/XXXX. Took another {$250.00} additional. Balance {$370.00}. XX/XX/XXXX. Made {$100.00} payment. XX/XX/XXXX extradited to Colorado on old warrant. Unable to make payment. XX/XX/XXXX husband went to XXXX XXXX XXXX. Attempted to make a {$200.00} payment for me. They did not accept it. Said I was the only one that could make a payment. XX/XX/XXXX. Harrassment begins. The tow driver assaulted my husband. While trying to repo my vehicle. The tow driver then began to contact my family my husband 's family and all of our friends. Stating they were the XXXX police and that I was wanted for felony Grand theft. And that I assaulted the 6'5 '' 290-320lb tow driver. I 'm 100 pounds soaking wet. I ca n't get thru to anyone to clear the matter up. Now when I check my account balance. It 's reads no debt owed. Yet I have no title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I never heard of this company before and I do not know how they have my number in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Thursday, XXXX XXXX 2017, XXXX XXXX PST, and other times Robocaller identified self as " Trans World Systems, INC > '' Recipient informed that call is to collect debt ( unknown type. ) Instruction given to call " XXXX XXXX XXXX '' at " XXXX '' An I.D . code = XXXX was given.

Robocall came from " XXXX XXXX '' " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong address on credit report. I have never lived in XXXX XXXX, KY.

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 12-02-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a savings account with CitiBank ( hereinafter " the Bank '' ) in response to the Bank 's mail offer. Under the offer, the Bank promised to provide me with a cash bonus of {$300.00} if I fund my savings account with a deposit balace of {$25000.00} - {$49000.00} by XXXX/XXXX/16 and maintain the minimum deposit until XXXX XXXX. I have met all the requirements, but I have not received any promised cash bonus from the Bank as of 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 monetary relief
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXXCFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX and subsequently, I want JPMChase to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
XX/XX/XXXX, I applied for JPMChase Mortgage Refinancing for my JPMChase ARM Loan XXXX, for which my JPMChase-calculated Credit Score was about XXXX 
XX/XX/XXXX JPMChase represented to my Homeowner 's Insurer, XXXX, that it had Closed on my Refinancing Package for my JPMChase ARM Loan XXXX on XXXX XXXX XXXX XXXX IL XXXX  seven ( 7 ) days BEFORE my scheduled XX/XX/XXXX XXXX XXXX, Closing at XXXX XXXX.
XX/XX/XXXX JPMChase 's Appraiser conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to JPMChase. That day, JPMChase represented to my Homeowner 's InsurerXXXX XXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with JPMChase as Primary Beneficiary, for my {$120000.00} First Mortgage, and as Secondary Beneficiary, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via First Class Mail, by XX/XX/XXXX XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED.
XX/XX/XXXX, JPMChase Mortgage Specialist XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XX/XX/XXXX, XXXX XXXX I arrived there by XXXX XXXX XX/XX/XXXXI continue to assert my federal civil right to review my HUD-1 for my XX/XX/XXXXRefinancing Application.
I want JPMChase to use the Highest Credit Score that it has calculated for me, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had multiple servicing issues with MB Financial, mostly with payment submission. 
Issues that I have experienced include : 1. Website availability - I have made multiple attempts to make payments, but received errors due to website not working. This has caused multiple sign-on attempts. I do n't understand why the website would not be available during payment due date times ( seems like a way to maximize late payment fees ) 2. Customer Service Wait Times - When I have had payment acceptance issues ( not my fault ), I would call customer service to make the payment. Wait times have normally exceeded 30 - 45 minutes to talk to a customer service representative. 
3. XXXX XXXX XXXX - I have had to have my user name re-issued multiple times. This has been caused by system changes and servicer conversions. This has caused payment submission issues. The difficulty in getting my user name took multiple website attempts and calls to customer service. 
4. Account Information Validation and Saving - It is common place in today 's payment acceptance world to both save account information to submit payments and have a recurring option to submit payments. MB Financial has neither. Also, when I have submitted account information, they have no validation to insure account information is entered correctly. 
5. Bankruptcy Declaration Letters - For each payment I have submitted, I have received information regarding bankruptcy rights and collection of delinquent accounts. I am neither in Bankruptcy ( or have ever filed Bankruptcy ) or delinquent on my account. This has caused a high level of anxiety that they are incorrectly reporting my loan status and treating me as a Bankruptcy account. 
6. Incorrect Account Information - MB Financial 's systems have provided incorrect information multiple times. I have used their automated system which has provided inconsistent information with their website. Additionally, I have tried to provide account information on the automated systems and they are unable to authenticate my account. I do not have confidence in their ability to manage my account and the financial transactions I complete. 


This servicer has been very unprofessional and needs to improve its processes and procedures to meet basic customer needs. They are definitely operating on a shoe-string budget as evidenced in their technology and customer service. Hopefully they will improve as many other customers in good standing are being treated in an unfair manner and we are paying for this company to service our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I went to pay my payment for my line of credit mortgage loan. I talked to the teller and XXXX XXXX, branch manager. They were not able to give me any details of my payment that I was paying. XXXX said that he only can see that I owe {$380.00}. I asked about my right to see details. All he can see the amount due, He also said that I have to pay late fees to remain current. No other information is available at the branch. 
This is so upsetting that one can not see what we are paying on. XXXX said that I have to reaffirm the account in order to see anything. He did offer a amort schedule, but have to order and it takes XXXX days to get it. How can one see what they are paying on. 
Earlier I called the XXXX. no one can see the account under my ssn but I had to have the accout number of XXXX. They were not able to help me to get information since this is a bankrupt acct and must reaffirm inoder to see or get help. 
This is just absolute loan fraud, discrimmination and mistreatment of customer. How can I see what I am paying. I told XXXX that I am getting screwed by US Bank since I am not see details. XXXX and his branch is totally powerless to help, all they do is take money. Customer service ca n't help either. US bank needs to investigated for loan payment practices, change terms, amounts of how they can charge. I am not able to get any information of the loan amount changes, rate and terms. One may have to default since this is viewed as loan fraud. Please investigate US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! 

I refuse to pay any more money to them. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, we paid our mortgage with Wells Fargo in full. We were not required to maintain an escrow fund, but had done so voluntarily. We made demand for refund of the escrow, but Wells Fargo, although crediting full payment as of XXXX XXXX, did not make a bookkeeping entry showing a 'refund ' until XXXX XXXX. As of this date, XXXX XXXX, we have not yet received our money, over {$4500.00}.

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 07-06-2017 about Debt collection (Other debt) with Prince Parker & Associates (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I owed XXXX XXXX XXXX XXXX, it 's now {$100.00} after paying them {$50.00} every two weeks.They said I could make payments, since it was closed account ( I switched to XXXX ). It was sent to XXXX XXXX who call me none stopped, I explained I was paying on it to XXXX and that I never received anything from XXXX XXXX. I 've asked them 3 times to stop calling, they said they would. XXXX XXXX and her manger XXXX. I got another phone call today XX/XX/2017 and XXXX yelled at me and said that this was collections not costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Clarity Services  Inc  -  XXXX ,  XXXX  Manager.  XXXX  XXXX  XXXX . Obtained a copy of my  Clarity  Credit Report due to a loan denial. Notice Items reported incorrectly including items that have been  discharged  thru Bankruptcy and inquiries that are as old as  XXXX  on  XXXX / XXXX /  XXXX   Contacted Clarity and spoke with a rep (  XXXX   )  to file a complaint, was told that I needed to speak with a supervisor (  XXXX   )  and was transferred said supervisor, she was very polite and stated that would look into my accounts, as far as the inquiries, she stated is their policy to report those for  five  years, to which I advised her that was against FCRA  .   XXXX  said that she would talk to her Manager (  XXXX  ) and would call me the next day. On  XXXX / XXXX /  XXXX   since I received not calls I contacted Clarity again, spoke with  XXXX , she apologize as she was not able to contact me when promised. She gave me feed back on the collections and said that as  Far  as the Inquiries her  Manager   XXXX  was upholding their policy of  five  years, but that I could speak with him directly. She tried to transfer me but the call was disconnected. Received a call from  XXXX , he asked me where I was getting the information, I advised FTC and FCRA, again upholding their policy and advising that FCRA does not state a  two  year limitation on Inquiries and that I could dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has been charging me {$580.00} a year for hazard insurance. The property is already fully insured by my HOA. it is a condominium. I only own the space between the walls. They bought insurance to pay for the restructure of walls and property that are already fully insured and do n't belong to me. I just discovered they were doing this for XXXX years because they were hiding the charge by debiting my loan. It was not done through escrow or was i ever notified nor given a copy of the policy. They hid the charge by calling it an escrow disbursement. but no escrow disbursement occurred, it was a debit to the loan. I was aware I had a separate {$550.00} escrow disbursement each year. They led me to believe that this was the same transaction. This is fraud. I finally discovered what was occurring after they finally titled the loan debit a " XXXX '' payment this year which alerted me to the charge. My hazard insurance is through the HOA. the property is fully insured as required by the terms of the loan. My mortgage company surreptitiously and fraudulently bought additional coverage to benefit financially from the commission from the insurance company and put an additional debit to my loan to charge me interest on the insurance cost. It should have been an escrow charge

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Bank is sending incorrect info to third party apps and wo n't even send a daily update.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, opened XX/XX/2017, amount {$420.00}, is being falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with JNR Adjustment Company, Inc (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a displaced XXXX XXXX student. I did not received accreditation for the program that I was enrolled in for the school closed before I could receive it. I attended XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX between the dates of XXXX 2014 and XXXX 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: I purchased some stools online from XXXX using my American Express XXXX XXXX XXXX. My card comes with Return Protection from American Express. When I received the stools, I attempted to assemble them, but I determined that I did not wish to assemble them. I was unable to return them to XXXX due to the weight and the awkwardness of the box. I contacted American Express and filed a claim for Return Protection. I spoke with a representative on the phone and faxed the claim paperwork to American Express. Not only has Amex provided extremely subpar customer service ( multiple emails asking for the same claim documentation and requesting that I call multiple times ), I was then told my claim was denied for the items not being in like new condition. I explained that the items are in like new condition and I can prove it. I was then told to call back AGAIN. It is an endless cycle of poor service to avoid paying any claims. I would like my claim approved. I am willing to mail the stools to American Express for their review. 

Also- when I opened this account I was offered XXXX bonus points if I spent $ 5k in the first 90 days. After I applied, I received another offer for XXXX bonus points, addressed to me. When I asked them to honor this, they refused and told me to cancel my card and reapply. After I receive my bonus points on this card, I will be ending my relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have been disputing the same collection for to years. The account in question is a collection for a checking account with what was then XXXX XXXX. The date of assignment with the collection agency was XX/XX/XXXX. This account remained open and active with XXXX XXXX until XX/XX/XXXX at which time I closed the account with a XXXX balance due to XXXX being unwilling to allow me to have a checking account unless I had overdraft protection. So I closed my account. I disputed the collection with all XXXX CRA 's and it was deleted from all but Experian. In my multiple disputes of this account I have sent Experian documentation of both deposit and withdraw activity on the account in question AFTER the date that the account was said to have been put into collection. I also sent them documentation from XXXX stating the account was closed with a XXXX balance on XX/XX/XXXX. Experian 's response was that they verified the account info with the collection agency, and the the collection will remain. I believe that Experian is violating the Fair Credit Reporting Act, and the new settlement agreement that all XXXX CRA 's entered into the the NY state Attorney General.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation