milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Weinman Acquisition Group (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/2017 XXXX PST Approx Received a phone call from Weinman Acquisition Group - XXXX Threatened to serve me papers for a failure to appear in court - advised the lady she was in violation of the Fair Credit Reporting Act and that I would be submitting a claim against her and the company she is representing. She stated that she was not in any sort of violation of the lam and that I would be served with papers to appear in court for a lawsuit. Immediately after the phone call - I received notice that my mother had received a call from the same lady ( *the mentioned phone number is a direct line ) stating that she was just told that I was going to be served papers if I did not return a call and that I would be sued for a failure to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company XXXX is reporting on my transunion in collections and I spoke with XXXX, this is an broken lease or owed money to a rent office or something of that matter the address on this is never been an address of mines so I disputed it once I found out. Transunion claimed to have verified it, however they did not prove it with any of my correct information this is not my account and never has been. Transunion had 30 days to prove it and they only said that it is valid. They did n't provide or have any proof. This is why I have fraud alert on my credit files

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 06-07-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Struggling to pay mortgage

Complaint: We are   trying to request a short sale - Chase received the request recently and denied the request because the home was rented for a period of time.
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The home owner had to relocate due to a family emergency. At that time, the home had negative equity ( could n't sell the home ) so renting was the best alternative.
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Fast forward 3 years - the home is now vacant - tenants moved out - and home owner needs to sell the home.
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Chase has decided to deny the short sale request because the home was rented for more than a year.
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Please help me explain to Chase that the seller only rented the home because he could n't sell it 3 years ago due to the negative equity position and h  e did n't know anything about short sales.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The managers at the XXXX raised my rent to {$550.00} while still advertising the same aprtments XXXX bedroom for {$540.00}. I did n't agree to pay her {$550.00} so I did not renew. Now I am being charged {$1100.00} for fraudulent claims. Including that I moved out on the XXXX of XXXX however I have statements from the storage place that I returned the XXXX to. All through email. So there are records showing the lies and deception tactics to rob citizens of our money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 

1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.

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 12-03-2015 about Debt collection (Credit card) with GMA Investments, LLC (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had a credit card with XXXX who sold to XXXX XXXX. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was diagnosed with XXXX and had to go through surgeries and treatments. I got behind and filed my creditors with Consumer Credit Counseling, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took two or three payments from my account. I planned on {$45.00} begin taken from my account on the 3rd or 4th payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the 2nd or third payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit determination

Complaint: I had just relocated to another city to start a new position and wanted to purchase furniture with 0 %. Athough my credit is in the high XXXX 's and I have a long standing relationship with Synchrony Bank, they declined me for an XXXX XXXX XXXX account because of " insufficient credit history on file ''. This is crazy as I have a long history of credit both with them and other institutions. This created a hard inquiry on my account. When I called to inquire ( originally I feared some sort of fraud ) after being transferred at least XXXX times for over XXXX minutes, they chose to resubmit ... it was declined again and now I have a second unfavorable inquiry against my credit score. It is as if they intentionally submitted to harm my credit score because I was not happy. In addition, is n't it incompetence doing the same thing ( resubmitting ) again. It WILL have the same result without human intervention. So I asked to speak to supervisor as now I have XXXX hard inquiries and XXXX declines and when he got on the phone he hung up on me when I told him I could not hear him! In the end, Synchrony Bank is harming people 's credit due to potential incompetence and harmful/rude customer service. There should be regulations against practices that harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Incorrect negative report by Bank of America on XXXX and XXXX I was recently informed of negative information reported by Bank of America included in the file XXXX and XXXX maintains under my Social Security number. This amount is the result of numerous attempts made to Bank of America to remove pre-authorized payments on my account. I maintain records of all these communications to the banking representative at the branch in XXXX, CA which were unanswered. These numerous contact attempts and requests for action by me as the account holder were neither answered or acted upon. As a result, the lack of communications and customer service caused service charges which I was attempting to avoid. Eventually, I had no choice but to close the account to avoid further arrears. Despite further contact with the branch in XXXX, asking to resolve these service fees, nothing was done. After my account was closed, Bank of America never contacted me as to the status of resolving the fees charged to my account from XXXX 2015 till approximately XXXX 2015. To the best of my knowledge, I never received a bill or statement from Bank of America informing me that an amount was still owed to them. I have sent copies of all communications by email documenting these attempts to talk to my account manager to dispute the information on my records that suggests I did not communicate at all. 

Please validate this information with Bank of America and provide me with copies of any documentation associated with this " amount owing '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record maintain under my Social Security number and provide an updated report from XXXX and XXXX. I also request that any amounts owing be reviewed and recalculated if warranted. I would like to clear up any monies owing.

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In late XXXX to early XXXX, my mortgage loan servicer, Ditech, had been undergoing significant internal software changes. Twice there were disruptions on payment due date notifications, and when I attempted to pay, their system did not register it correctly. Ditech even waived late fees in acknowledgment of fault. Now, there are XXXX 30 day late payments negatively affecting my ability to refinance. Multiple customer service calls were had in which there was understanding conveyed it would be remediated. I 'm also a flight attendant and often travel, making communication and opportunities to resolve matters more difficult. Ditech agreed they were at fault for the reporting errors but have yet to adjust for the bureaus. Please help to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Medical) with Greene & Cooper Collections LLC (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a call on XXXX/XXXX/15 at XXXX from Greene & Cooper XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of XXXX XXXX XXXX and that they took over the account. I told her that the the office of XXXX XXXX was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with U.S. BANCORP (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a copy of my credit report and noticed Elan Financial Services reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of FCRA reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Elan Financial Services. I sent a vertification letter with no response.

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 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I paid {$150.00} for 3 months of forbearance and only used one month. I was told to call when i was ready to use the remaining 2 months as I had already paid for them I would n't have to pay again. They are now passing the phone around to other people in the office and laughing at my request. They are telling me to pay another {$150.00} for another forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: Due to Hurricane Irma, I sustained economic loss and incurred financial hardship. I live in south Florida, and we were declared a natural disaster area by our governor. As such, I called my mortgage company, Specialized loan services and requested a 3 month deferment due to my financial hardship. SLS stated they could only approve 2 months and not 3 months. I received a letter in the mail dated XX/XX/XXXX that my 2 month deferred was approved and my next mortgage payment would be XX/XX/XXXX. The 2 months that were deferred were moved to the end of my loan to XX/XX/XXXX. 
This month, I called SLS to make sure they credited my XX/XX/XXXX payment correctly, and the service agent stated that I had a deferment and the two months that I skipped would be due in XX/XX/XXXX, which is essentially a balloon payment. I was never notified in writing and only found out as the customer service agent told me I did n't have a deferment, but a forbearance with a balloon payment. 
I am attaching the letter from SLS from XX/XX/XXXX which agreed to the deferment and extending the 2 payments to the end of my loan. 
Since this is in writing, I am asking that they honor their original agreement. 
As of this writing, XX/XX/XXXX, I have not received any notification in writing that I am in forbearance. 
I feel like they are setting me up for failure. 
Lastly, although I am in deferment and or forbearance, SLS charges a late fee on my account these pasts months as well as XX/XX/XXXX, and I made a XX/XX/XXXX payment. 
Your assistance is appreciated.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My issue is related to the creditor XXXX XXXX. I have notified XXXX XXXX in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by XXXX XXXX I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and XXXX XXXX has n't provided me with anything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information by having a vulnerable public-facing website that allowed hackers to access and distribute my personal and financial information. Equifax did not directly notify me of the breach, instead I found out through the news. Now, because of their mistake, the burden is on me to additionally protect and monitor my credit for the foreseeable future. They are doing the bare minimum to assist their customers in the aftermath of this breech, offering only a year of free monitoring service that will be auto-renewed after a year, potentially costing me money if I forget to cancel it. If I choose to freeze me credit, that cost would be mine to bear. 
NOT TO MENTION the insider trading that took place when several of their executives sold their stock in the company before the breach was made public. Totally unacceptable and morally reprehensible!! 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I, and all of their other customers, are compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with Financial Business and Consumer Solutions. (FL).
Issue: Delinquent account

Complaint: A company called FBCS is trying to collect on a debt from 10 years ago on behalf of XXXX XXXX. A debt that no longer exists. I have double checked my credit report and this debt is non-existent. I explained this to them today and claim they will " remove '' the account. We will see. They have called numerous times, but I gave them the run around until I could verify it was a legitimate company and not just a scam. Surprisingly it is a legitimate company trying to collect an illegitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband died in XXXX 2016 and in XXXX I closed the XXXX account which provided internet, TV an phone services. I was ill and not living in the location where the services were provided. I was asked to send back the routers. I requested that the prepaid carton for the routers be sent to my daughter. The carton was received by her and she went to my apartment and put the routers in the carton and sent the carton back to XXXX. XXXX is charging me for the routers. {$460.00}. However the routers were returned and so I do not owe that money. All other billing from XXXX on that account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my Trans Union,  XXXX and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.

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