milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.

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 07/15/2015 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I received a mortgage statement from BMO Harris bank. I noticed that my annual fee of {$35.00} that I sent in on XXXX/XXXX/2015 was not credited correctly ( they credited it to principal ). When I sent the {$35.00} in I even noted on the payment that it was for the annual fee. I contacted them at the number on my statement which is XXXX and spoke with XXXX. XXXX said that she would correct the problem and that it would take 3 to 5 business days. I was fine with the resolution until I asked her to mail me an updated statement. She told me that I could not have an updated statement and that they only sent XXXX per month. I asked her if that was the case even though you made a mistake. She said yes the XXXX statement rule still applied. I told her I was going to let you ( CFPB ) know about this rule. I have no idea if she is well within her rights or not, I just thought that you should know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with HOVG, LLC (NV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: Yesterday at XXXX ( XX/XX/XXXX ) I went to check on my XXXX on the Coinbase app and my account said that i sent all of my money to Coinbase. The app says i gave coinbase my money at XXXX XXXX, At no time ever did I authorize this transfer or was not made aware of the transaction from XXXX. They Stole my money without permission, did not inform me of what happened to my money, i waited on the phone for 40+ minutes waiting on a representative to assist me with the problem, and the phone call disconnected. They were of no help to me and had no permission to sell or use my coins in anyway. They took XXXX XXXX which is {$510.00} and sent it to themselves now i have a XXXX balance in my Coinbase account. I tried chatting online with the company about what happened and got no help either. I made my initial purchase for the Coin on XX/XX/XXXX so Coinbase took my money in under 10 days, i have already lost {$190.00} on the coins in that time, now i have lost {$700.00} total because Coinbase took my coin. i will most likely lose more money if the coin appreciates while this claim is ongoing. Coinbase needs to give me my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On  XXXX / XXXX /  XXXX   I noticed that our bank Chase put thru a preauthorized payment for car insurance even though the funds were not there to honor the transaction. We were under the impression when signing up for our account that the overdraft protection we signed up for would prevent transactions from being processed if we did not have the money in the account. I attempted to contact the Chase customer service and spoke with many different people. I requested they cancel the transaction as it is still pending. They told me no since it 's a preauthorized transaction they could not even though in their contract it states if an amount is different or you do not recognize the merchant they can cancel the transaction. So if that 's the case why was I told they did not have access to cancel the transaction when last year I forgot my car payment was going to go through and I called the bank and they were able to cancel the transaction. I find it very discouraging that  one  person with CHASE can but a different rep ca n't. Now we not only will have no money but all other transactions made prior to the pending transaction are still pending and when they honor the transactions again they will make more money off of us for NSF fees. This is an immoral way of doing business and I am utterly disgusted in my experience with CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Sallie Mae wants XXXX $ / month. I can not pay this with my other bills ( car insurance, phone, credit cards ) My Mom is the Co-signer & she is stretched to her limit too, already paying XXXX $ /month for my Parent plus loan, & XXXX $ / month for other student loans I incurred & XXXX is my brother 's. She 's a single Mom & is enrolled in a debt consolidation program for debt incurred in my first year of college in XXXX. She 's afraid Sallie Mae is going to sue her & put a lien on our house. Both myself & my brother still live with my Mom. ( Ages XXXX & XXXX ) We both make minimum wage. What can we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling me from XXXX and XXXX and they have called several times within a 10 minute period. Robo calls and repeated calls are against the law and I have to pursue legal action for every auto dial and robo call that has been made. The action is {$500.00} to {$1500.00} per robo call. I am requesting that they stop calling me before I sue for {$500.00} per phone call. This company did not send any validation as requested by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I took advantage of a CitiBank promotion which was to open a new account and receive a {$400.00} bonus after meeting requirements. I had met the requirements and it 's been nearly XXXX months and the bonus still has not posted.

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 09-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I contacted the credit reporting bureaus on XXXX/XXXX/2015 and till this date i have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently purchased a property in XXXX. However there are several hard inquiries that are negatively impacting my credit score even months after my purchase. I was told these would not hurt my score but that is not the case as I see these are being factored in : XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Trouble during payment process

Complaint: I have a mortgage with XXXX XXXX for a property in XXXX, La. I once lived in a house on this property, but the house was destroyed in Hurricane XXXX in 2005, and all that remains is a vacant lot. Ocwen took over the loan after XXXX. The company has recently been sending me letters about force-placing flood and hazard insurance on this property. I have called them many times to inform them that there is no structure on this property, but they continue to send threatening letters about this insurance. Because the insurance they plan to place covers damage to a structure, and there is no structure on the property, this insurance would serve absolutely no purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On XX/XX/2018 I sent a letter to XXXX XXXX requesting verification on two account on my credit report. the accounts are 1. XXXX XXXX, Account numbers XXXX .... 
2. XXXX XXXX, Account numbers XXXX .... 
3. XXXX, Account numbers XXXX the investigation results summary said that these account were VERIFIED AS ACCURATE. 

I am demanding from them to send me verified proof to me so i can compare them with my records. If they can not provide me this proof i am requesting these account to be deleted immediately from my credit report

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.

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 08-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get assistance with my mortgage s ince  XX/XX/XXXX . I asked for a lo an modification. Received the modification, but the payment was higher than my original payment. If I was having issues paying my regular payment how can I pay the new payment.     So I asked about the temporary forbearance program, which allow 11 months to catch up. I was told I qualify for that sent me the information to sign and send back with a payment of {$600.00}. I followed all instructions.   I get a call and agent tells me the temporary forbearance was removed and I was put on a loan modification. I did not sign anything regarding a modification. I did not want my payment to increase {$130.00}. I was prepared to pay the extra to get caught up. Basically everytime I call I get some different information. So now I was told I will need to send another statement stating I do not want a loan modification, and put down another down payment for the temporary forbearance program. I just trying to get caught up on my pymts and it seem  like no one can help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX I had over 100 thousand dollars in Fraud on several XXXX accounts. Every other company fixed this. however American Express has dragged this on despite me calling and complain every three days. I have a XXXX XXXX dollar limit and they approved XXXX XXXX dollars in charges. I pay XXXX in good faith since XXXX and they told me the other day they dont even have a case pending. I spoke to a supervisor who said they would work with me and call and no one has. I just got a email my case is closed again. They allowed all of these charges despite being fraud and are continuing to pile on interest and late fees. In one day alone they allowed over 5 thousand dollars in XXXX charges. They keep telling me different things like it is being looked at and then I get a late fee.. They say dont worry about paying that but nothing has been resolved. I really do not know who to turn to any longer. I have tried to be cordial and work with them. They have no idea what they are doing Ask for the chat and call logs they have it will explain everything in detail they have been saying. It wont let me send it but I have the chat logs

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with Ability Recovery Services, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report and noticed that this is on there. I have never purchased sheet metal before. I have been in business with this nor any other sheet metal company, for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have been charged with overdraft and insufficient fund fee of {$34.00} by Chase bank 9 times in 20 days, recently I had enough money in the account to cover for 3 transactions ( {$370.00}, {$100.00} & {$30.00} ) and these transaction took place on Saturday but the bank due to the weekend shows them as pending transactions, I even received a text on my cell that transaction of {$370.00} was submitted to my account on Monday before they made a change.

Then after 3 days on Tuesday morning around 2 am a 4th transaction of {$760.00} hits the bank account and within 6 hours Chase bank rearranges the time and date of transaction and charges me with 4 insufficient fee 's of {$34.00} dollars for every transaction.

This is not the first time they have done this illegal act, in fact in last 4 months chance bank has charged me more than dozen of insufficient fee 's and every time I called to get explaination they denied wrong doing and said they have the right to charge as many fee 's they can.

I took snap shot of my bank account screen just to provide them with a proof of wrong doing but Chase bank representatives refused to even look at proof I

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, and the amount owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE / TOO MANY INQUIRIES ON THE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: XXXX gift card from Incomm. 
Had a {$25.00} gift card and with cash bought something for {$47.00}. Returned it to the store and the clerk accidentally put all {$47.00} back on gift card. XXXX froze the card saying it was more than {$25.00} and after calling XXXX or more times they are refusing to unlock the card. We ca n't speak with a manager. They are just stealing our money and there is nothing we can do. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Credit card debt) with Law Offices of Robert J. Colclough, III (WV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Auto) with Wilber and Associates, P.C. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation