milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Bank account or service (Other bank product/service) with DISCOVER BANK (WA).
Issue: Account opening, closing, or management

Complaint: I am a male. My husband and I are both males. We both recently applied for a credit card from discover. 
Shortly after we received a phone call from one of their representatives. 
After confirming my information he said that i was approved for a credit card. 
Then i asked him to check my husband 's application status. 
He said that he wants to talk to " HER ''. I repeated that he is my husband and that he 's a male. 
Then he asked to talk to my " WIFE ''. I repeated again that he is a male. 
After that he said " Oh boy! '' I asked him twice : " Did you just say that? ", He did n't answer. 
He asked his name and he said that he ca n't understand me and he wants him to call the same phone number back and talk to someone else. 
I was shocked that this kind of discrimination can happen at such a big company like discover especially on our first day of our business relationship. 
I called his supervisor to complain about his behavior. I was able to record that call. After a couple of hours she left me a voice mail confirming the whole situation and she said that the person is just going to be reprimanded and trained. 
I called her and asked to cancel my credit card. She said that she can try to do so and will call me back the same day. She never called back. 
I 'm so upset with Discover especially after they still want to have a homophobic employee working for them after " training ''. 
This situation is horrific and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: HFC ( household Finance Corporation ) fraudulently altered loan amounts and property description from originally agreed on terms. They foreclosed and proceeded to evict without repairing the fraudulent numbers. I committed the contract to rescission in 2007, when HFC refused to address any of the issues. Since then, they have continued to force us to abandon the property ( illegally, because there are XXXX other property owners on the fraudulently sought after acreage ) by threats, foreclosure, false trustee sales, and writs for eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I had {$24000.00} in my personal checking account ( XXXX ) and have been trying to close and liquidate the account for weeks. I need to fire Chase and move on. Chase claims there was an issue with a LLC account that I am signatory on, but has shown no proof of this. This LLC is actually wholly owned by another LLC. Chase took it upon themselves to pierce two LLC 's and instantaneously steal my personal family assets. These assets, are the income of my wife and myself. Chase, via XXXX and XXXX have given me tidbits of information, just stating this LLC received a fraudulent wire, and offered no proof of wrong doing. I am simply just asking to learn all the facts of their claim. Chase told me to call a XXXX, a bank that I am not a client of. XXXX will not speak with a non-client. Today is the 22nd day I am without my money, and XXXX will not return my calls. I was supposed to be on vacation with my family in XXXX and this trip is destroyed, as I can not meet them there, while we all have time off.
While Chase did take my money, I notice they charged me fees on my account and I assume my Chase Credit Card is assessing more fees, as I can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: I have an account with PNC Bank a/c # in XXXX FL. On XXXX/XXXX/2015 I noted a pending premature charge of {$74.00} from XXXX ( # I had authorized them to charge my account on XXXX ), however they processed it early. I called the bank to advise that the charge should not be paid, as it was early. They said there was nothing they could do until it was actually charged and to call back after the charge was posted. I called XXXX and they admitted the charge was early. ( recorded conversation as they always advise ) Today it posted and I called and on a XXXX, XXXX said they would refund the charge. The bank charged me {$36.00} for an overdraft fee which the refuse to reverse. This was not my error but the bank said their policy was not to refund OD charges ( XXXX, XXXX, XXXX, XXXX ). I spoke with a supervisor ( XXXX ) who said the same thing. XXXX claims that I authorized the premature charge but I clearly stated the policy should begin on the XXXX of XXXX. I asked for printed proof of the early authorization to charge but i was not available ) Both are unclear about who is responsible for refunding the fee. 
I am a senior citizen on Social Security and {$36.00} means a lot especially a week before my next payment. I think the bank should do the refund as I advised them in advance not to post the charge ... they did anyway plus the OD charge and no one wants to make me whole ; refund the {$36.00}. .Whoshould do it ... I think the bank should, I told them not to process the charge in advance and they did anyway I need the {$36.00} I do not need to give away money like that..I did not make an errorThank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt. 

Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN. 

This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below. 

In an effort to maintain your security, we have encrypted your attached eNotice.

To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.

2. When prompted, enter the last 4 digits of your social security number for your password.

* Please note the above attachment link will expire in 90 days of receiving this message.

If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.

If you have any questions about your secured eNotice or need assistance, please contact us.

Sincerely, XXXX 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 04-11-2018 about Debt collection (Other debt) with First Credit Services Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI. XXXX ) SENT A COLLECTION NOTICE FOR XXXX ON XX/XX/XXXX. I CANCELLED MY MEMBERSHIP IN XX/XX/XXXX BECAUSE THEY CANCELLED XXXX XXXX AN EXERCISE CLASS AND THE REASON WHY I JOINED THE GYM. THE COLLECTION AGENCY STATED THAT I OWE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE PROOF THAT I CANCELLED THE MEMBERSHIP AND CALLED TO SPEAK TO XXXX XXXX ( MANAGER ) WHO APPOLOGIZED AND ACKNOWLEDGED THAT THE AMOUNT IS WRONG BUT STATED THAT HE COULD NOT DO ANYTHING ABOUT IT BECAUSE IT HAS ALREADY BEEN SENT TO COLLECTION AGENCY. FIRST CREDIT SERVICES , INC. XXXX. XXXX   XXXX XXXX XXXX XXXX, XXXX, NJ. XXXX IS WHO SENT TO COLLECTION NOTICE ON THEIR BEHALF. I ALSO SPOKE TO XXXX AT THE GYM WHO STATED THAT THE AMOUNT IS WRONG HE WOULD NOT GIVE ME HIS LAST NAME BUT XXXX XXXX WHO ALSO WORKS AT THE GYM SUBSTANTIATED THIS INFORMATION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Bank continues to report inaccurate information to the the major credit bureaus ( Experian, XXXX & XXXX ). Just recently I filed a complaint with the Better Business Bureaus regarding the inaccurate information being reported. I have tried on numerous occasions to resolve this with XXXX XXXX directly but every time I contact them, Im told that they can not assist me because all of my information has been archived and my account was sold to a collection agency. I have explained to them that no collection agency is reporting on my report, it is only them ( XXXX XXXX Bank ). I was also just made aware that my credit score dropped 19 points when I contacted Experian to find out why, I was told that XXXX XXXX Bank reported a recent charge off as of XXXX XXXX, the account the are reporting falsely was first reported in XXXX. They are re-aging my account and providing more inaccurate information, which should be illegal to do, ( please provide me information on this ). 

I believe they recently reported to retaliate for the complaint I filed with the B.B.B Please have them remove this account immediately. 

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 non-monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company repeatedly contacts me from different numbers from Texas, XXXX, Georgia, Pennsylvania, West Virginia, Virginia, Arizona. All of the day and night..7 days a week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was alarmed when I obtained my XXXX XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. XXXX XXXX XXXX is reporting to them the wrong activity date.

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 01-05-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Trouble during payment process

Complaint: I bought my property in XXXX XXXX for {$290000.00} and was financed through XXXX XXXX XXXX XXXX. Within 2 months the loan was sold to Chase Home Mortgage.My initial Mortgage was {$1800.00}. This amount quickly doubled within 2 years First it was {$2200.00} and then {$3600.00}, but when it got to {$4200.00}, i contacted a broker who worked with Chase to get my mortgage reduced and my interest rate peg at 5.35 % for the life of the loan.After this I noticed my principal balance started increasing and I contacted Chase about this in XXXX and XXXX. I was told that they ( Chase will look into it. On my last review I noticed that my principal balance has ballooned to {$340000.00}. I called back to Chase in XXXX XXXX and I have been in constant communication with them since. The contact man is XXXX XXXX who told me in XXXX XXXX that an issue was discovered and it was a mistake made by Chase.He said and amount of {$88000.00} will be deducted from my Balance and a check for 20 % of tat amount will be issued to me which will be reported to the IRS as an income to me. On XXXX XXXX, XXXX I received 5 letters from Chase and they want me to have a 6.45 % interest rate as against 5.35 % that I had before and an increase of {$980.00} in mortgage payment to begin XXXX/XXXX/XXXX just 5 days away. Everything was just unfair to me. I did not make a mistake, they did.i had not asked for a refinance so why would my interest rate be adjusted to 6.45 %? The claimed that I had paid {$110000.00} to date so why is my reviewed principal balance now {$220000.00}. They have not issued me a check for the 20 % of the recalculated amount that was misapplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt Recovery Solutions reported to the credit bureau that I owed {$380.00} from a past XXXX bill. XXXX claims that I do not owe anything. Debt Recovery Solutions contact phone number does not work to try and call to dispute. When researching the company, they reported false claims to the credit bureau multiple times.

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 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with POLARIS HOME FUNDING CORP (GA).
Issue: Application, originator, mortgage broker

Complaint: I received an urgent notice about my mortgage in an official looking envelop. This was unsolicited and did not indicate that it was a marketing flyer. It refered to 'guideline changes ' and that I was selected for a 'reduction progarm ' which will 'lower my monthly payment significantly. ' This, it turns out was untrue, but assumed they would pay off my fixed rate loan for a variable rate loan, however, the variable rate was n't much better than my fixed rate and did not amount to a 'signficantly lower payment ' compared to my current mortgage. This letter was alarming, deceptive and felt predatory in its design. In the fine print I see that it is a solicitation from XXXX XXXX XXXX and XXXX XXXX ( contact information in the attached pdf file ). I feel their tactics are the type that regulatory reform was intended to eliminate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Me and my wife purchased a vehicle through XXXX XXXX XXXX back in XXXX of 2016, and when my wife filed a Ch. XXXX, it did not affect us making our car note payments on time ; however, because my wife filed a Ch. XXXX, BBVA will not allow us to make our car payments on line. 

We pay BBVA on the phone, but for the last two weeks, we have being trying to pay our car note, and their recorded message tells us to leave a call back number, and a representative will call us back ; but no one has called us back yet. 

BBVA has made it very difficult to make payments to them, and you would think it would be just the opposite, all we want to do is conveniently make a car note payment. 

Just because my wife filed a Ch XXXX, should not stop us from been able to pay online, they treat us as if we are a second class citizen, because of a Ch XXXX that did not even affect us paying them!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/2016 I request my credit report from XXXX, XXXX, and XXXX. I noticed that there was an impermissible credit inquiry made by Diversified Consultants , Inc . Furthermore they even furnished a debt collection item to my XXXX and XXXX Credit report. On Tuesday XXXX XXXX 2016 I sent notice of intent to sue, informing the company of their violations and requested that within five days they send me documentation of an application I 've completed for services, employment or credit from their company. It is Monday XXXX XXXX, 2016 and I receive a call from a representative at Diversified Consultants , Inc. who was requesting my information before they verified who they were. I received multiple calls from this number since XX/XX/2016 and when I would answer the phone it was always dead air. I never heard representative speak except for the call they made to me today. My main concern is that I never executed any services with this company and do not know who gave them my private information. This company has captured my identity and damaged my credit standing by invasion of my protected interest and by inserting negative items on my credit reports. I intend to follow through with private right of action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Closing on a mortgage

Complaint: My home has been forclosed. I went into an offer to buy with a purchaser. Wells Fargo agreed to a short sale. I was informed that the property would be auctioned off on XXXX XXXX, 2017. Now WF has informed me that hey have cacelled the short sale option because they have not heard from my realtor. This is a converstion that has been recorded and documented in ref to my realtor. I have provided all requested info as well as my realto. I owe XXXX I was offered 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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Credit line increase/decrease

Complaint: I have been having negative financial issues with my bank ( Capital One ) concerning my line of credit on a credit card I have with them. This began in 2011, just after my husband passed away. I had credit XXXX cards with Capital One at that time. I had a credit line of over {$10000.00} on the first card. No sooner had my husband died, the credit limit on that card was brought down to {$500.00}. I also noticed Capital One was using my {$85000.00} mortgage on my house toward XXXX credit, which I understand is not supposed to be used for these purposes. I closed that first card. 
Two weeks ago I applied for a greater line of credit on the second card, which has a limit of {$5000.00}. I was denied the increase because " Recent use of this account 's existing credit line has been too low. '' However, I have charged up to {$800.00} on this card in the past, and I have pristine credit including well over XXXX XXXX score ; pay all my bills on time ; pay the full amount ; never went into delinquency ; never made a low payment, and this account has never been past due. Also, Capital One did not tell me what a suitable charge amount is. 
I feel Capital One has been discriminating against me and its practices have been deceptive, especially since this all occurred after the death of my husband ( six months later ) whose finances were separate from mine. I have always had pristine credit. It appears also that my credit from other banks have not been harmed because of this issue with Capital One. I would like to know what options I have. Are they allowed to use my mortgage amount to determine the line of credit for a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Allied Interstate LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We received a telephone call from ( XXXX ) -XXXX at XXXX XXXX on XX/XX/2018. When Our answering machine came on the caller hung up without leaving a message. We looked the number up and learned that this caller is a Debt Collection Agency by the name of Allied Interstate. We are Seniors. We do not have any outstanding debt. We do not want these People calling Our Home ... especially at unauthorized hours and not stating the nature of the telephone calls. If These People have a Legal Debt They're attempting to collect ... It would seem that the initial step would be to contact the Individual in writing via U.S.Mail. We don't owe any monies to anyone. We are requesting Your assistance in stopping these harassing and illegal telephone calls. Please Help Us. Thank You. ~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