milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with DISCOVER BANK (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An account which I previously owned with Discover Card has been closed since XXXX 2017. Following closure of the account, I received multiple telephone calls to both my home telephone and cell phone. In fact, I receive 6-8 calls in one day at my home, which equates to one call per hour during an 8-hour shift. 

Since Discover Card has received no response from me, its customer service has began calling my place of work. These telephone calls to my office have been very disruptive as well as embarrassing. Additionally, I did not authorize Discover Card to call my place of business or cell phone. 

I also sent written notification to Discover Card to cease and desist from all forms of communication with me. 

I stopped paying on the account due to illegal over the limit fees. There is no way that I could have incurred over the limit fees when I had not used the credit card in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PREFERRED CREDIT INC (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report shows a loan of XXXX dollars opened in XX/XX/XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a letter in XXXX XXXX from Columbia Collections. It said that I owed money for my ex-husband 's hospital stay in XXXX of XXXX. I told them that it was the first I heard about it, but they said they called me once in XXXX, and I told them that I was getting divorced and was not responsible for my ex-husband 's bill. They said okay and did n't contact me again for ~ 2 years. When I got the letter in XXXX of XXXX and they explained that I was responsible, I paid it right away. I now have a mark on my credit report, which lowers my credit score. I do n't feel that I was notified properly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Installment loan) with FORD MOTOR CREDIT CO. (MO).
Issue: Managing the loan or lease

Complaint: CREDIT REPORTS SHOWING A 30 DAY LATE XXXX 2015. WHEN I PURCHASED CAR, WE WERE GIVEN A 0 % INTEREST FOR 75 MONTHS AND FIRST PAYMENT DUE IN 90 DAYS. WE TALKED OF THIS VERBALLY. BECAUSE IT WAS NOT WRITTEN IN CONTRACT THEY DID NOT HONOR THE 90 DAY NO PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: DEAR FDIC & CFPB, I DO NOT ALLOW CALLING TO CFPB THROUGH VIDEOPHONE SO I PREFER MEETING IN PERSON THAN VIDEOPHONE, UNDERSTAND CLEARLY! I AM NOT SATISFY WITH XXXX XXXX XXXX XXXX THEN XXXX XXXX XXXX REQUIRES PAID ME THEN CLOSED ACCOUNT BECAUSE OF DISCRIMINATED AGAINST MY APPEARANCE NOTIFICATION TO CHASE BANK OFFICIAL IN HIGHEST POSITION AS REQUIREMENT CHASE BANK OR OTHER BANK WHO WILLING MEETING ME IN PERSON CLEARLY UNDERSTAND! THANK YOU MUCH!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Credit card) with Pinnacle Asset Management, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Company keeps calling my family members and my place of employment on a debt over 15 years ago.

Company response to consumer: Untimely response
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings. I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I deposited a check in a Chase branch. Same day, without contacting me, Chase has restricted access to my checking account, which resulted in all transactions being rejected. I have only learned about the restriction five days later when I received a US mail letter from Chase saying that they blocked my account and that the account is pending closure. After calling Chase, I learned that the reason why Chase blocked my account, was that they could not contact the person who wrote the check. This was of course a good check which timely cleared into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I used to have a XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX. InXX/XX/XXXXthese XXXX  have been sold to XXXX XXXX XXXX. My balance with XXXX XXXX before the takeover was XXXX. I received a new card from XXXX XXXX XXXX  and started with a XXXX balance. I have recently checked my credit report ( XXXX ) and noticed that XXXX XXXX XXXX shows 2 open accounts, the one currently in use and another one with an open balance of {$140.00} since XX/XX/XXXX but no payment due. I do not recognize the account number at all. I have contacted XXXX XXXX XXXX Customer Service, they do not find a second account in my name or any applications, and no payments due on my account, since I always pay my statements in full every month. I have called the number for XXXX that is shown on my credit report, which turns out to be some kind of number that tries to get you into some sweepstakes, home insurances and other bogus things. I have not pushed any buttons or numbers, as I am aware of these kinds of scams.
I have filed a dispute with XXXX, to no avail as of today.
Further down I am asked for the card/account number. I have put in what I know, nobody can tell me the last 4 digits of that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Credit reporting () with Clarity Services (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by CLARITY SERVICES on XXXX/XXXX/2016 & XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliant Capital Management LLC (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: COLLECTOR VIOLATED 2 TCPA INFRACTION! SEE ATTACHED PHONE RECORDS, CALLER I.D . ALSO, VIOLATORS OF THE DODD-FRANK ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Deposits and withdrawals

Complaint: Closed online account more than a year ago, due to identity theft of financial and personal information. On today requested online setup to learn that several transactions do not appear online nor on bank statements. Placed a call to First Citizens Bank online speaking with XXXX, XXXX, and XXXX to only receive partial but haste and incomplete information regarding account information for Routing XXXX XXXX. Please see attachment of proof that a deposit from the IRS and SC Department of Revenue are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (PA).
Issue: Managing the loan or lease

Complaint: I received an email on XXXX XXXX 2016 from Discover Student Loans stating that they had not yet received my payment. I logged onto my banks website and saw that a payment of {$200.00} had been withdrawn from my account on XXXX XXXX at XXXX by Discover Student Loans. I then logged on to my DSL account and checked the payment history. My XX/XX/XXXX payment was marked {$200.00} and next to it was the word " paid ''. I went to the home screen and along of the top of the page was a banner that said my payment was past due. It also listed a minimum payment due of {$210.00}. I called DSL and talked to a CSR who informed me that my minimum payment due had changed in XX/XX/XXXX to {$200.00}. I told him that I had not received an email or any paperwork in the mail about this change. There was also no indication on the website that my minimum payment had changed. He responded that it had changed in XX/XX/XXXX, corrected himself and stated that the terms had changed in XX/XX/XXXX. He became very confused over whether the terms had changed in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. He indicated that I should have received a message in my account inbox on the site about this change even if I did n't receive an email. I checked the inbox and there were no documents present. When I told him this, he stated that the documents must have " expired '' and that I no longer had any access to these documents, but that the terms had changed in XX/XX/XXXX. He corrected himself again, stating that it was actually changed in XX/XX/XXXX. He was unable to provide any documentation when they had changed or what they had been changed too. The CSR then stated that in order to bring my account current, I would need to pay {$6.00}. I questioned why if I only owed {$6.00}, the website had {$210.00} listed as the minimum payment due. I had paid {$200.00} on XX/XX/XXXX, in the payment history it was marked as paid, so it should only be {$6.00} due. The CSR said that was correct, but the website would n't show partial payments only total minimum payments. Going to the online bill page, the past due amount was listed as {$0.00}, despite being told I owed {$6.00}. 

1. I was never notified about a change in payment terms. 

2. Discover Student Loans was unable to provide any documentation that the terms had changed ( my previous months statements had " expired '' as well ). 

3. The CSR I was talking to on the phone was confused as to when the payment terms had changed. He stated it was in XXXX, XX/XX/XXXX, and XX/XX/XXXX multiple times throughout the conversation. 

4. The site itself never stated how much I needed to pay to bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XXXX/XXXX/XXXX issued by myFICO.com for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( Syncb/Amazon XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " XXXX XXXX to XXXX ( XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been XXXX in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the XXXX credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XXXX/XXXX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.

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 12-07-2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I got a reverse mortgage in 2005 to pay off a previous reverse mortgage and get funds to help my granddaughter who had XXXX. 
I previously also had a property tax deferral through my state of Oregon. After the reverse mortgage was completed I reapplied to defer future property taxes. I pay my own property insurance. Something went wrong and the property deferral was delayed for two years and because of this the reverse mortgage company paid the delinquent taxes. 
After many calls from the reverse mortgage company ( Financial Freedom ) we agreed on a repayment plan of {$10.00} per month. That was deducted from my bank account for a number of years. The reverse mortgage company then claimed it was taking too long to pay off the balance and demanded more money per month. We agreed on {$25.00} per month. Then after a few more years they started calling demanding the full amount or they would foreclose on the house. I have received many threatening calls from the reverse mortgage company and possibly a collection agency company. 
We agreed on the {$25.00} per month so I am holding them to this agreement, but I am concerned they will start foreclosure on my home. 
I am low income, living on social security. I am XXXX years old. I need help to resolve this situation and stop the threatening calls which are stressing me out and causing XXXX problems. I have XXXX XXXX XXXX and do n't need additional stress. 
I would appreciate any help. 
thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 06/27/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Case number XXXX, my home was modified inXX/XX/XXXX through XXXX XXXX XXXX after five years of trying to get a modification. With the help of the attorney general for the state of California, consumer financial protection bureau and veteran affairs, I finally received my modification. When I signed the original paperwork for the modification, I read that my house payment would be {$2800.00} that included taxes and fire insurance through an impound account at 2 % for the life of the loan. Currently my house payment is {$3400.00}. Which is a difference of {$540.00} a month or {$6500.00} a year. I 'm making the same money that I was making in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XXXX. I make roughly {$110000.00} a year. I 'm having trouble making ends meet. <P/>After five years of trying to get my home modified because of the lies that countrywide mortgage told me and then XXXX XXXX XXXX ; trust me, I experience XXXX even while writing this letter asking for help. <P/>My loan was sold to Nationstar mortgage a few months after the modification took place. I contacted nationstar to ask for help and they said they could not do anything for me. The problem is, is that when XXXX XXXX XXXX modified the loan, the state of California demanded that they forgive the second loan on my house because of the fraud. I have since taken out a second to repair the rest of the house and get all the repairs done that needed to be done in XXXX when I bought the house. So now I 'm paying for the second as well. If I were to sell the house now I would lose all the money I put into this house. For example, I paid {$680000.00} for the house. I started the remodel as this was a house that I thought I could afford according to XXXX and XXXX XXXX XXXX. The house had no floors, a working kitchen and only one bathroom that worked. I took out a {$170000.00} to get these issues and the swimming pool fixed as it was leaking a lot of water. All of these issues were documented in my first complaint in XXXX. The houses in this market as of this date XX/XX/XXXX is $ {$860000.00}. As you can see, XXXX plus {$170000.00} equals {$850000.00}. I 'm coming out with {$11000.00}. However I have not included realtors fees or closing cost. I 'm actually losing in excess of {$52000.00} in a house that I have paid for, for 13 years. <P/>Please help me get this house modified as this is the house I would like to stay in for the rest of my life. <P/>Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my payment on time & they sent in info to credit agency that I did not, I have proof it was paid on time but the refuse to remove it & even made it now show 60 days after I filed complaint to have it removed. They have place many 30 day late payments on my credit I should not have & they will not remove, you can see they even have charged my fees even after it shows it was paid at the time. This is more of Wells Fargo criminal activities.

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 12/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Account opening, closing, or management

Complaint: in short they closed my account and are withholding my money. 
i had an account with chase bank. the account was overdrawn and the bank contacted me to pay them back. i made an arrangement to get the account current by the XXXX of XXXX. on the XXXX i went to the bank to deposit money only to find out that the account had been closed that day and could not be reopened. after the weekend i went to the bank and talked to them about setting up a new account. i made an arrangement to pay the balance that i had and i set up a new account there and i deposited over {$2300.00} into the new account via a check i had received from an insurance claim. they told me the check would take a couple days to clear. account was fine for the first day after it opened. the day that the check was supposed to clear witch was the next day i tried to log into my account and was unable and was given a message that my access to the account was suspended. i called the bank and they told me that my account was closed again and that i would not have access to the funds.she told me it would be XXXX to ten days before i got a money order for the funds in my account. they would not tell me why it was closed or let me take out my money. nobody even tried to contact me about it and now its been past 7 days and i have n't received anything and i am concerned. this ultimately led to my family having a very XXXX XXXX because they withheld all my funds and the bank has not cared at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. 
In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.

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