milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Settlement process and costs

Complaint: My mother refinanced a home in XXXX. As her trustee and executor I 've been paying the mortgage to present. In XXXX XXXX, I contacted the lender to inquire if there was a prepayment penalty. They said there is no prepayment penalty so I wired {$100000.00}. The person I spoke to said that the mortgage would be re-amortized. However, I was not informed at that time, that this would be an automatic re-amortization. Later I was told, that I had to either assume the mortgage, or I needed to sign a re-amortization document that only had my mother 's name on it. 
As executor of my mother 's estate I transferred the property to myself. While I do n't see any advantage to assume the loan I would n't mind if it did not cost anything. The lender said that it would cost $ XXXX to assume the loan. On the other hand, the lender advised that I can sign the re-amortization agreement except this document only has my mother 's name on it. My bank notary said the document needs to be amended to have my name as executor or trustee on the re-amortization agreement. The lender 's representative said I should just go to another notary. I pointed out that the notary checks my ID so how can I sign a document that does n't have my name on it?!

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 08/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Bank ( Amazon Credit Account ) closed my account without warning, the only way I found out was because I tried to purchase something and was declined. I asked them why they closed it and they said because a payment was returned. It was returned because of fraud on my bank account but they said a closed account can not be reopened. I have had the Amazon credit account for 7 plus years, great payment history, paid the balance off several times over the 7 years used it all the time and they still closed the account for a payment being returned when it was not my fault. They are by far the worst company to get a credit card through.

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 07/29/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of 2013 my wife and I moved out of XXXX XXXX XXXX after successfully completing our 8 month lease. Recently while attempting to qualify to purchase a home, we were informed that there was a collection account on XXXX of our credits that was derived from our lease with XXXX XXXX XXXX. Somehow after we moved out there was either a miscommunication or a huge mistake on someones part because we left XXXX XXXX in good standing. We had no idea that we would have this account in collections because we were never informed that we owed anything to XXXX XXXX. The collection agency that owns this " debt '' is ProCollect out of XXXX TX. When we submitted a request for proof of debt from ProCollect, they mailed us paperwork that included entirely false information. They claim that we owe {$320.00} from an outstanding balance with XXXX XXXX, however, their paperwork does not match our original paperwork. Thankfully we have held on to our deposit receipt from our move-in to XXXX XXXX which shows that we paid a much larger deposit than what ProCollect is claiming we paid. ProCollect claims that we paid a {$500.00} deposit, however, our deposit receipt states that we paid a {$980.00} refundable deposit. The information that ProCollect sent us is absolutely false and manipulated. We have gone to XXXX XXXX in person and they validated that the deposit receipt we have is authentic. We have also attempted to contact XXXX XXXX numerous times which was who managed XXXX XXXX when we lived there. We have not been able to get in touch with XXXX XXXX but we are certain that they would also agree that ProCollect is being deceptive in their attempts to collect this " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (CT).
Issue: Application, originator, mortgage broker

Complaint: I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (AZ).
Issue: Taking out the loan or lease

Complaint: Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ON XX/XX/2017 TIME XXXX I CALLED TRANSUNION CREDIT BUREAU ABOUT FRAUDULENT INQUIRIES IN THE Account Review Inquiries AREA. I SPOKE TO XXXX XXXX IN THE FRAUD SPECIAL HANDLING DEPARTMENT. I LET HER KNOW THE FRAUDULENT INQUIRIES AND THE AREA OF THE INQUIRIES SHE STATED FIVE DIFFERENT TIME SHE CAN NOT DISPUTE INQUIRIES IN THIS AREA, I KNEW THAT WAS NOT THE TRUTH. I GAVE XXXX XXXX FIVE DIFFERENT TIMES TO CHANGE HER STORY SHE PUT ME ON HOLD FOR 15 MINS.  AND CAME BACK AND SAID HER SUPERVISOR IS GOING TO LET HER DO IT. XXXX XXXX IS IN VIOLATION OF 15 U.S. 1692 FALSE OR MISLEADING REPRESENTATIONS, AND 15 U.S. 1681-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERROR. I STATED TO XXXX XXXX THAT THESE INQUIRIES ARE FRAUD.

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 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: I had an account with Lowe 's but it was at least 8 years ago. Lowes is reporting on my credit reports and they have reaged this 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
Consumer complaint received 07/24/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: Visa Debit Card # XXXXWrongful use of debit card : XXXX Police Report # XXXXPlease be informed that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute. 
Location Address Date of Occurrence AmountXXXX-XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXCHASE XXXX XXXX XXXX XXXX XXXX , TX XXXX/XXXX/2015 $ XXXXI noticed these fraudulent activities when I went online to check my account on XXXX/XXXX/2015. 
Please review my attached transaction activity log as it vividly shows my pattern of using this UCARD Debit card since XXXX, 2015. All transactions over {$200.00} are done either inside a local Chase Bank or at Chase ATM location or transfer to my other Chase Bank account in my City of residence ( XXXX ). 
Before the fraudulent activities of XX/XX/XXXX & XX/XX/XXXX, I used my card in my City of residence XXXX as I 've marked all in the attached transaction activity log. After the unknown fraudulent activities of the said dates, I made transaction in my City of residence in the morning of XXXX/XXXX/15. The question is who stole my money from those XXXX locations in XXXX, TX? Did Chase Bank duplicate my Debit card with my information? 
As I was talking to Chase customer service agent, I was meant to understand that a video snap shot caught a male and female drivers of a minivan committing this fraudulent activities. In response to that vehicle, I own and drive a BMW X5. Since the video caught a minivan, I ask Chase Bank to please make the information available so that the suspects will be apprehended and credit my account ASAP. 
For my whereabouts a day before the frauds occurred, I attended a wake keep for a dead relation in the XXXX XXXX XXXX on Friday night ( XXXX/XXXX/2015 ) and was home in XXXX, TX all day Saturday and Sunday when these illegal activities happened. 
I want to make it very clear to Chase Bank that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute, I do not have a suspect to this crime other than to say that my Visa Debit card credentials were compromised and the sum of {$1100.00} ( XXXX XXXX XXXX XXXX and XXXX Dollars ) were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with Creditors Bureau Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2016 I received a letter from Creditors Bureau Associates XXXX, Collection Division.I have attached all paperwork showing this bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  o f 2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX , Experian, and   XXXX   on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

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 11/23/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Other transaction problem

Complaint: I received a limited time special rate to take advantage of a 2.99 promotional rate through XX/XX/XXXX billing cycle by using People 's checks ( which were attached ) or performing balance transfers. On the morning of XX/XX/XXXX I performed an online balance transfer from People 's United Bank to XXXX XXXX in the amount of {$1100.00}. In the afternoon of the XX/XX/XXXX I contacted People 's to cancel balance transfer. At that time I spoke to XXXX who informed me that he was unable to see balance transfer. I advised that I had confirmation of the transfer but he was adamant that he could n't see it and that it would take up to 2 business days to process. He suggested that I call back on Monday XX/XX/XXXX at which time People 's would note on the account that the wrong information was submitted and the transfer would be canceled. On XX/XX/XXXX I received an email from XXXX XXXX thanking me for my payment of {$1100.00}. I then contacted People 's and asked how the transfer had processed when XXXX had informed me the day before that there was no record of a transfer. The customer service rep ( XXXX ) said I needed to contact XXXX XXXX and ask them to refuse the payment. I then contacted XXXX XXXX and spoke with a customer service rep ( XXXX ) who informed me that he could not cancel the payment as the payment was coming in from a third party. XXXX indicated that only Peoples would be able to cancel transfer so I again contacted People 's and spoke with another customer service rep ( XXXX ) who advised that once People 's received notification of the transfer from XXXX XXXX, Peoples would stop balance transfer and waive fee, which would take up to 3 business days. On XX/XX/XXXX I again contacted People 's and spoke with customer service rep ( XXXX ) and advised him that not only is XXXX XXXX still showing a payment of {$1100.00} but People 's now shows an additional {$1100.00} on my balance ( the {$1100.00} transfer amount and {$44.00} transfer fee ). XXXX advised that he is unable to have money refunded from XXXX XXXX and that it is my responsibility to contact XXXX XXXX and have returned to Peoples. He further advised that once this has been done Peoples will gladly refund the {$44.00} transfer fee. Of course Peoples would refund the transfer fee if there is no transfer then there is no fee. The fact that Peoples advises that it takes up to 5 business days to process a balance transfer and the fact that they processed this transfer overnight speaks volumes as to how unethical this entire process has been. It appears that Peoples did everything in its power to lock me into this balance transfer and did very little if anything to stop it even though I attempted to stop it within the same day, which is unconscionable and appears to violate my right to rescind their offer within a reasonable amount of time, saddling me with their {$44.00} transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Starting in XXXX, I started receiving calls from a company called World Wide XXXX. They state to me they have tried to serve me legal papers, I verify the address and then they get rude and tell me they dont have to reserve me. I have even checked with the sheriff, no warrant. I keep telling them not to call, they tell me they have every right to call. They are rude, they get beligerent and tell me they know their legal rights. 
Now they are contacting family memeber, and my job. They have called my work three times today, finally my coworker told them I 'm not here anylonger and the lady told him that 's untrue. She was pressing him for personal info on me. He ask her not to call and she said she had every right to continue. 
I called back the number XXXX, Case XXXX spoke to XXXX, told her I was recording her, she told me I had no right. She transferred me to a XXXX XXXX that said he was a legal officer, who called me a deadbeat that he had my credit file and that I was a professional con artist. I ask him to mail me whatever file he had and he said it was my responsibility to call the company to collect the data. I told him not to contact me at work, home or by relative. He told me I 'll meet you in court and hung up, only to call me right back. They will only provide a name, World WIde XXXX and the XXXX #. They will not provide the address for me to call. Please help, this is interfering with my job and I 'm a single mom of XXXX with XXXX income. 
I 've ready my rights on the FTC consumer info site and each thing I 've listed above they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with Mathew Aaron Holdings Inc. (CT).
Issue: Advertising and marketing

Complaint: XXXX XXXX at GRT Financial , Inc. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, http : //www.grtfinancial.com contacted me by phone and offered me a credit card modification debt reduction, but I gathered that GRT Financial is not licensed in Connecticut.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Checking or savings account (Checking account) with FIRSTBANK (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Just got paid today, X/XX/2017, so I wasnt worried about my checking account, imagine how I felt when I submitted by debit card for payment only to have it declined. Rushing back to work I went online to check my account status. A payment service connected to a online purchase I made charged me for that service, but also charged my account {$39.00} 17 different times!!!! It probably would have been more, but that and other legitimate charges emptied my account. I immediately called the bank. They advised contacting the company and getting the charges removed. I did that, but customer service was not helpful. They needed to forward my compliant to the billing department, which they could not connect me with directly or give me someone else to speak with. They said Id be contacted with 24 to 48 hours. Im broke. They have my money fraudulently and I have to wait for them to investigate. Spoke with the fraud department at my bank, XXXX XXXX XXXX XXXX. They were not terribly helpful either. They cancelled my card, and inconvenience Ive have to go through just a couple of months ago due to a similar problem, and too, will investigate. My question to them and that Im relating here is why something as clear a case of fraud or just some type of mistake takes two or more days to deal with. I asked the banks fraud rep how this could possibly slip through their security software? 17 identical charges, same amount, same charge description one after another and all Im getting is an apology. I dont know how I going to get back and forth to work in the next few days, because someone stole my money from my bank account and the best they can do is apologize. Banks feel free to add fees upon fees to their customers accounts do to honest mistakes made by the customer. But when the bank fails to protect a customers money, you get sorry, dont know how this happened it shouldnt of happened, sorry Not good enough. Not by a long shot. Where the XXXX is my fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: I am a few days late on a vehicle payment. It is scheduled to be paid electronically 10 days late. Bank Of America keeps calling my work and asking for me while I am helping XXXX at a XXXX I work and also hanging up on my co-workers. This is my place of work. They are harassing me when payment is already planned.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX, I notified XXXX, Equifax and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, Equifax and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, XXXX, and Equifax has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D

Company response to consumer: Closed with non-monetary relief