milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: You have refused to answer any of the questions. The letter that you received from my wife was from a nasty divorce. Even in the letter which has been subpoenaed from XXXX it admits that her son made the charges. This is against the American Ex press terms. Only people on the card can use it. So everything youve listed isnt correct. 

1. This was fraud. You have not shown me any receipt s that indicate its not fraud.

2. The letter was a year after the case was closed. I was refunded the fraud which you investigated yourself. 

3. I have not made any charges since XXXX 2016. 
4. My wife and I are going through a nasty divorce and she collected half of the refund for the fraud. Knowing the card account is in my name why else would she do this a year later. 
5. Show me proof of all the receipts and signatures. 

6. Youve not answered one question Ive asked from you when this was submitted. 
7. The numbers are all wrong. I was refunded XXXX. You said I owed XXXX and now its XXXX. 

8. My lawyer has subpoenaed the documentation and youre leav8ng me with no choice but to sue for damages. 

9. Respond to one question. FTC clearly states you have 2 billing cycles or 90 days. Answer how this was handled within that time period. 

I want your response to be give to a supervisor because Im XXXX and on the phone you threatened me to ruin my credit if I didnt pay. I fall under the Americans with XXXX act and you know that and thats why youre doing this to me. 



My requested resolutions are as follows -- 1 ) In accordance with the FTC, you have two billing cycles or ninety days, whichever comes sooner, to remove the fraud from my account ending XXXX. You did this and then you turned around nearly a year later and charge me back for a supposedly RESOLVED case because of a letter from my soon to be ex-wife stating now that the charges were valid all because I believe it is due to a nasty divorce situation. 
2 ) I want my account resolved to a {$0.00} balance 3 ) I want the credit reporting agencies that you reported negative information to, to be CORRECTED stating there is no debt on my account and that there is a {$0.00} balance, and have paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I satisfied a NYS lien that is being reported on my credit report with Transunion I have asked for this to be investigated and removed but have received no information for the second time from Transunion

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 06/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is a fraudulent identity theft account also is a copy of my police report number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AES/PHEAA (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Collegiate XXXX XXXX Trust XXXX is a debt collector attempting to collect a unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (VA).
Issue: Trouble during payment process

Complaint: I have me the requirements of the Homeowners Protection Act and my current LTV of my house is less than 78 %. I have informed the Mortgage holding company ( Cardinal Financial Company Limited Liability Company ) of this fact and the code requiring them to drop the PMI and they have denied my repeated request.
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They have told me that I must pay for an appraisal before they will drop the PMI. I have informed them that I am not required to submit a new appraisal based on the same section the code. It is listed under 12 US code section 49.
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I need help in getting this situation resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX fails to remove the XXXX account. EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: In 2000, I was an employee of chase bank before suffering a XXXX and left after XXXX XXXX was exhausted. I attempted to maintain my bank account with chase and recently opened another checking besides my primary checking and savings. The XXXX account was opened for a pending settlement ( in which I already given the routing and account number to my attorney ). My primary account was used for my direct deposit of my social security check which I received XXXX a month, This is the only income I receive. My fix income forced me to watch every penny. Recently, a team lead scolded me for opening another chase claim and told me I 've had a claim every month and he did n't believe this claim, I filing for XXXX was a good claim and he would never open it and went on to tell me he will allow the temporary credit this time, but will note on my account that I need to follow bank policy. Several days later, I was told chase no longer wanted me as a customer and my accounts were closed. The back has retaliated because I filed claims against merchants who has taken money and refused to return it or they made a mistake on my card and I usually can not get them to cooperate with what I am asking. For example, one merchant charged my card for XXXX after paying him XXXX with another card ... .then said. oh I thought that was a tip ... .Another example is the reason I left chase as an employee, I took the XXXX and suffered a XXXX, the company was sued for several XXXX and I won that case. I purchase a product LeVel, for weight loss and was told it was not approved by FDA and a boy suffered a XXXX. I contacted the merchant via email and they would not contact me back as they did when I was considering purchasing the product, I fax them also with proof that I had already suffered a similar injury and needed to speak with them right away, I included my phone number and still no response ... so what am I to do, but ask chase to refund my money and know they will investigate. I explain this to the person who initiated the closure of my account and he told me other customers are not having this problem. Why am I being compared to other customers who may not have a fix income such as myself or have XXXX. I believe chase supports the closing of accounts of customers with too many claims, which is my right. However, if that 's frown upon, why did they not state this will close your account if I take this claim. I believe the bank hides this fact and will justify this by their right to close any account of any reason ... ..because they are a huge bank and they can do this? or can they?

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I NEVER EVER APPLIED FOR THIS ACCT IN MY XXXX LIFE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with Green Tree My payment is XXXX of that PMI is XXXX and the balance is XXXX and intrest {$290.00} of it goes to Escrow for Tax and INS I called and asked why they did n't pay property Tax and they said the loan was n't set up to do that I said will it says on my paper work they said I would have to fax the Escrow dept no # to call them my property taxes are over due now and now Green Tree says they will respond with in XXXX days this is a FHA loan it 's there mistake they have the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received bills from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on a procedure that my son had in XX/XX/XXXX. It takes sometimes 4 months to go through my insurance XXXX before they pay and then i get billed. I did not start receiving bills until toward the end of XX/XX/XXXX. When i received the bills i sent in a payment with a letter stating that i could only pay {$10.00} a month towards these bills at this time which the payments i sent in were for around $ 20ish dollars. They called and said i had to pay more than {$10.00} a month or they would turn me into collections. I told them to do what they needed to do but they can not bully me in to paying more than what i can afford. They still cashed my check and is turned me into collections. Collection agency called me. I told them i have been making payments. Not what they want but what i can afford. I have other medical that i am paying on in addition to my own medical needs. Bull City Collection Agency called today wanting to know if i could pay them off. Then asked for my son date of birth and was like so he is XXXX. He is not XXXX he is only XXXX. Like they are going to go after my minor child for a bill that i am responsible for and i am making payments on. So i called XXXX XXXX XXXX back and said if you want paid pull this account out of collections. I feel like Bull City asking if my son is XXXX like they are going to try and go after my son. i told Bull City i  am making payments on these accounts. They are ridiculous. My husband is a XXXX veteran. We do our best and can only pay what we can pay and i pay the medical. I never hid from the companies. i tried calling and making arrangements. They are wasting their money on collections agencies when im not going to give them any more than what i was and able to give. So my reward for paying what i can is it to affect my credit report negatively. Considering that i did not receive the final bills after my insurance paid until towards the end of XX/XX/XXXX and i still made a payment of what i could afford at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My uncle had a little house is XXXX Washington. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in Alaska and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. XXXX XXXX XXXX XXXX is a predatory lender on XXXX veterans, and Bayview Loan Servicing is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with Reliant Financial Corporation (NV).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX was repossessed on XX/XX/2017 after making a payment. I did not receive anything about the repossession or how to get my vehicle back. When I called they lied and told me the vehicle was sold for {$100.00} and I still owe {$3000.00}. There is no record of sale, no documentation, and I believe they took my vehicle and kept it. I continue to ask for paperwork and to have them remove the balance owed from my credit report because they took the vehicle and did not see it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I made several attempts writing letters to Equifax to remove unauthorized from my credit report and they have continued to state that inquiries are matter of fact without even making any attempts to investigate these disputes. Therefore they continue to report these inquiries in my credit report. This is ruining my life and not to refinance my house and get any credit because of these hard inquiries. Equifax even have my address wrong on my credit report which is a reflection of a deliberate attempt to ruin my life. They have my address as XXXX XXXX XXXX XXXX Ca XXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. This is probably where the problem is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received one missed call with a voice mail from XXXX XXXX XXXX and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my credit report I see this negative impact from this company which I was told is a payday loan. I have never received anything from this company. I called them and the credit bureaus and the say it is a verified debt. I never received any money from this company and have no knowledge of signing any paperwork. I was told by a representative that they have a signed contract but they will not provide it to me at all.      XXXX / XXXX / 2012  in the amount of {$610.00}

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 HEARTLAND PAYMENT SYSTEMS INC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by Heartland ESCI in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with Heartland they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was never late. The missing payment there happened during my 60-day service transfer window mandated by federal law. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. XXXX XXXX Bank of America purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. XXXX XXXX Bank of America has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
( The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''

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 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Problems caused by my funds being low

Complaint: I have had several issues with wells fargo bank from taking credits back before i.was informed per their.own.disclosure time as well.as customer service reps being.rude and hostile.on.the phone. Today i had yet another issue with being charged a XXXX dollar overdraft fee when i had previously called and spoke.witha. rep that told me i would have no overdraft fees accessed to.my.account because i had free overdraft protection. I called into customer service and spoke.with a very rude nasty disrespectful representative who put.my.on.hold.in.the middle.of.me talking because i asked.to.speak.with a supervisor. At this point i will pay the fee and close this account for.good once my deposits are finiahed tomorrow. This.is.the most unlawful, unethical.bank i have EVER had to.deal.with. i.would like this to.serve as a formal compalint and it.to.be fully.investigated as this bank.keeps.practicing fraud and poor customer service as well as unwarranted fee charging. There is.no.way i am willing.to.accept a XXXX dollar fee for.transferring XXXX dollars of my.own.money especially when.i was told that i did.not.have any fees at all.associated with my account. Then when.i.brought up what the previous rep.told me the current ladybi.spoke.with today began.to argue pretty.much that i had asked rhe wrong.question and got the wrong.answer without even.knowing.what the other.rep.told.me despite me requesting the previous conversation be reviewed. The most barbaric, unlawful, unethical banking institute ive ever had. Will be closing my.accounts tomorrow as well as moving family accounts from.wells.fargo.as well. Ridiculous!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with CountryWide home loans that was a conventional6 % fixed rate loan. CountryWide went bankruptcy and Bank of Americatook over the loan and my mortgage became FHA loan without mesigning any paperwork. Then I ran into trouble paying my mortgage andcontacted Bank of America who said they were going to defer XXXX payments to the end of mto the end of my loan. What they actually did was a modification andadded 16 years to my loan and over {$16000.00}. 
When I sat in the closing with CountryWide they told me they wouldnever sell or transfer my loan that was misleading and untrue. 
I 'd like to know how my loan went from conventional to FHA and how {$16000.00} was added to my loan. 
I also took a home equity loan with CountryWide that was transferred toBank of America then to XXXX XXXX. I was charged fees for paymentsand had payments that were n't applied correctly to the loan and whenXXXX XXXX took over the loan they harassed me and threatened me onregular basis about payments,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Medical) with Patient Account Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone.

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