milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Colony Brands, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is reporting to XXXX that I opened an account in XX/XX/XXXX and charged off {$60.00}. I believe I have reached out before because a update was done by them this month but still reporting a charge off with balance owed. It was opened the same month someone opened a XXXX account in my name. There is also a couple addresses on XXXX that are n't mine but one my ex gf. I moved out of state before those accounts were opened. XXXX refuses to remove themselves off my credit despite me disputing and I know they do n't have proof because it 's not mine. XXXX removed the balance I disputed couple weeks ago. I want this removed or I will be forced to take legal action.

Company response to consumer: Untimely response
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a letter of an attempt to collect a debt back around XXXX and XX/XX/2016 from this third party collector. I in return sent the third party collector several Cease and Desist communications ( Which they verified they received ), well within the 30 days I had to response and the collector still placed this debt and called me on my credit report as late as XX/XX/2016, after receiving several Cease and Desist communications. After being notified that something had been placed on my credit, I called the third party collector to confirm date of receipt of this Cease and Desist Letter - and request removal from my credit because I communicated with them within the time frame they request. They told me that they " could not communicate with me unless I send in another letter removing the Cease and Desist communication. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Customer service / Customer relations

Complaint: Bluebird my American Express I dined at a restaurant after a company function. After I noticed there were XXXX charges on my account, XXXX for the restaurant and another XXXX. charge that I did not authorize. After XXXX days it was on hold and I contacted American Express. They stated it was a hotel and the policy was to hold it for XXXX days. I explained it was not at a hotel it was at a restaurant in the mall at XXXX place in XXXX. I contacted the restaurant and they stated it the charges cleared and the file charge is just a hold and should have fallen off. They gave me the authorization codes to give American Express to clear them. After talking on American express they refused to do anything about it stating the system is automated and there is no way to clear the charges. They refused to do anything to assist even after providing the authorization codes and even still after the hotel said they should not have a hold on the funds. They person on the phone continued on stating that even though I did not authorize the charge, because they have my credit card number, they are freely at will to process charges against my card with no authorization and the fraud department ca n't clear them because I did give them my card at some point. Neither the restaurant, nor American Express state they will A : Authorize charges without the consumers authorization, and B : Will hold excess funds for XXXX for dining at a restaurant.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Payoff process

Complaint: My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted BOA in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that BOA would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Other bank product/service) with Remitly, Inc. (IL).
Issue: Account opening, closing, or management

Complaint: I was trying to send remittance ( amount of {$210.00} ) to my sister in the XXXX to pay for the tuition of my other siblings via REMITLY.COM of Remitly INC. I sent the money online on XXXX XXXX, 2015 and paid {$3.00} fee so the money will be received minutes after it was sent. Minutes after I sent the money, I received a message from REMITLY saying its taking some time for their partner bank to respond. So I called them up to check the status of my remittance and they told me the same thing that it is taking sometime for their partner bank to get back to them and they told me that maybe its because it is weekend ( I called Remitly on Saturday and Sunday ) in XXXX. So I waited till Monday but still nothing happened. So I called them up again to know what is going on but they told me the same excuse ( of their partner bank not responding ). I complained to them about why they are charging me a fee for a service they can not deliver. To appease me they told me they will waive the fee. But till now I have not received any reimbursement. The reimbursement of the fee does not really matter as much as to where my money went. They told me that their partner bank still has not gotten to them. I was getting frustrated because the money is already needed to pay for my sister 's tuition. I told them to just cancel the transaction and give m my money back so I can utilize other avenues to send the money. They told me they can not do that and that they will get back to me as soon as they hear from their partner bank. It is now Wednesday ( XXXX XXXX, 2015 ). It 's been 5 days since I sent the money and nothing is happening. I keep calling Remitly and all they answer me is their partner bank has not responded yet. I am writing this complaint because first I needed my money back because I need to send it to pay for my sister 's tuition ASAP ; 2nd the company charges for a service they can not provide ; 3rd Remitly continue to do nothing to resolve my issue. All I need is for the transaction to get cancelled and my money back to me if they can not carry out the service they are supposed to do. 

My name is XXXX XXXX ; phone : XXXX email : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: I made returns on my Bloomingdale 's store account back on XX/XX/XXXX in the amount of {$1300.00}. That left my account with a credit balance of - {$1300.00}. I subsequently requested a check be sent to me for the remaining credit balance and it was. On XX/XX/XXXX I cashed this check and a stop payment was subsequently placed on it on XX/XX/XXXX, reflecting on XXXX. I contacted Bloomingdale 's who informed me that they mistakenly put the stop payment on and that they also closed my account citing that it was an Employee account. I was a former employee, but my account was transitioned to a normal account soon after I quit Bloomingdale 's XX/XX/XXXX. I was also charged a returned item fee for the stop payment by my bank in the amount of {$12.00}.

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 monetary relief
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is not responding to my request. 
Chase bank continues to mis calculate my Escrow and I believe they are mis applying it to someone else account. every year for 3 years they have increased my escrow and its not because of an increase in insurance or taxes. it has been all about a shortage. 
They have not responded to my request for a detailed outlined as to when my account was first miscalculated and why.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It appears that in XXXX, 2017, Equifax improperly handled the financial and personal information of many people, and it appears that I am one of the people exposed. My SSN, name, address, credit card numbers, and other identifying information was released and could be used to damage my credit score and make me liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX and XXXX XXXX bought a home from XXXX in XXXX in 2008 our first loan was though star XXXX which sold our loan to chase well ever thing was good at first until i lost my job we did a loan modifcation application well ever since we did the loan modification ever time the say we default its when you get to the third payment the one that will lock you in well this is my home has been and i have been thought XXXX but i will keep fighting for my home until there is no more breathe in me can someone please tell me what to do how do you get chase to understand

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: We have currently been in the process of a Deed in Lieu since XXXX of 2015. The last information we received was that the paper work was being drawn up. I was told this on XXXX XXXX. My loan POC is XXXX XXXX at ( XXXX ) XXXX. I have not been able to get in contact with him for two months to get an update. I have called several time and left several messages. This is has been an ongoing issue that seems to be an attempt to get me to give up on the pursuance of the Deed in Lieu. The last time I received an update and the status of my Died in Lieu was updated was after the CFPB intervened. I was informed that I needed special paperwork signed and notarized to move forward. This paperwork was submitted on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have made principle payments multiple times. Frequently, these payments have been applied to interest and future payments instead of principle. I have called repeatedly and have taken to writing PRINCIPLE on the payment slip and using highlighter pen so there ca n't be a mistake in the intent of the extra payment yet it is still not applied to the principle balance. Over and over again. The payment slip is not confusing, there is a box for Principle and this is what I use. This issue has occurred multiple times. My statements are misleading, showing very large interest payments - twice what they should be. This same mortgage company did n't pay my insurance and taxes from Escrow funds and refunded me the balance. I was the one who pointed out their error. This occurred XXXX consecutive years. I am so frustrated that I am refinancing so I do n't have to deal with them any long. Complete incompetence and repeatedly. This begs the question what else are they doing incorrectly that is n't so easy for me as a consumer to identify. Could my interest charges be inaccurate, could my balance be inaccurate ... ..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I received a late notice from my XXXX indicating my account was past due and a late fee had been accessed. I contacted my servicer and informed them the dues needed to be paid, they indicated, they would research the problem. I have had a history of this servicer misapplying my escrow payments, paying them late, and in this instance not paying them at all. Be advised there are sufficient fund in my escrow account to cover said dues ( I also made extra payments to my XXXX account to cover the ongoing payment issues ). I was informed to the mortgage servicer payments to my XXXX account are paid in arrears. So my XXXX mortgage payment should have covered my XXXX XXXX dues ( The late notice is for XXXX, but that is because, I made an extra payment in XXXX to cover the XXXX dues ). I have had so many issues with Caliber Home Loans, I fear they just wont do the right thing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (LA).
Issue: Account opening, closing, or management

Complaint: Purchased a home in 2008. 4 months later I found out it had XXXX drywall installed after Hurricane XXXX. ( If you are not familiar with this, google it and you will find a wealth if information on the matter ). It destroys your home if not removed. Renovation usually run close to XXXX or XXXX % of the cost of the home. Not covered under home warranty nor Insurance. Breaks down your appliances one by one, A/C, Heat, frig., TV, computers, electrical wiring, plumbing. Went to bank, they were so nice to put me in disaster relief program, Forbearance. Did n't have to pay mortgage for three year. Drywall class action suit was coming close to settling. XXXX tells Bank ( Chase ) enough, and kicks me out of Forbearance and say I own {$94000.00}. In back payment. I do n't have $ XXXX and was denied in suite . So they foreclosed on me. I asked for refinancing, bank put me through paperwork hell then, they said they could not loan money on tainted drywall house and proceeded with foreclosure. 4 months ago I got a letter saying " Congratulations " I 've been approved for a refinance loan. No paperwork was needed. Done deal except the $ XXXX and a whole lot of other charges were added to the end of my loan. Before this happened I owed $ XXXX now I owe $ XXXX. ( I purchased house for $ XXXX ) I think something sneaky is going on. Forbearance people said in some cases, they forgive the outstanding back pay due to hardship, I did n't win the lawsuit. XXXX cases settled last month, XXXX did n't, I was XXXX of the XXXX, the type of drywall I have, the XXXX company will not comply with US judge ruling. Bank stated that absolutely could not refinance on this house and the they turn around and do it. I of course jumped on it because I love my home and would do anything to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent this company a dispute letter and received no response. I have also contact all XXXX consumer agency and they will not removed item. This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Inability to upload files ( XXXX or XXXX ) to Experian for online dispute reporting. It is not an issue of file size, even considering the stated upload size available, which you should review. And, if uploaded docs may be easily hacked enroute (? ), why " offer '' this option? I will call to see if FAXING doc is an option on next business day ; my doc contained names and a bank contact no, but referenced only last XXXX digits of account in dispute, which actually needs to be removed from my present credit information. Credit company STILL too difficult to access for help. This is the age of digital information, not reliance on snail mail. Internet search also reflects this issue with uploading docs. Why is this problem being allowed to continue? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in  XXXX     2017 I requ ested " VALIDATION '' of this debt that  Portfolio Recovery Associates  says I owe. Since I have been disputing this debt and going back and forth with CFPB, and the  Credit Reporting Agencies, I decided that it was time t o reach out to the attorney general 's office regarding this debt before filing a lawsuit. Once again I requested back in   XXXX   for validation/contract which I have NEVER received. Upon checking my report a few weeks ago to be exact  on    XXXX   XXXX  2017     Portfolio Recovery Associates  was removed from  XXXX . I checked my report on   XXXX   XXXX    2017 and it w as added back onto my credit report. I never received  a Dunning Letter. Since Portfolio Recovery Associates states that this debt b elongs to me I demand them to release the transcripts of the quality assurance tapes along with a notarized letter signed by a notary proving the authenticity of the transcripts and that they were not altered.  Portfolio Recovery Associates and the creditor I would like   ALL conversations between their agenst and I regarding this debt they say I owe to confirm differing amounts owed/paid/attempting to collect. Failure to produce these documents constitute collection agency fraud. Please see the attach paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting XXXX a count which does not belong to me in about of {$1200.00}. This is not mine. I disputed it with XXXX and they did agree and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. TRANSUNION 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX : 1XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. 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 01/13/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (VA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/XX/XXXX, 2018, I tried to add my TD Bank account to XXXX in order to make purchases. When I logged into my account, XXXX notified me that " TD Bank is blocking you from enabling external applications. You have the right to access your financial data. Encourage TD Bank to fix this problem by contacting them. '' I have yet to contact the company directly, because various blogs and threads online have described negative experiences, thus I decided to follow one of XXXX 's three suggestions ( XXXX and calling TD Bank as the other two ) and file a complaint with the CFPB. Hopefully this issue can be remedied swiftly.

Company response to consumer: Closed with explanation