milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/14 my wife was in XXXX. I had called her insurance company, XXXX XXXX, asking them what I could do. The representative told me to take her to the Emergency Room and not to worry because it would be covered under her plan. 
About a month or two later we started getting notices from the ER billing agency that the insurance company was denying the claims, but no reason was given. 
I kept telling them to please contact the insurance company to get the reason, and regardless, to have the recorded call audited for the representative telling us the service would be covered. I also contacted the insurer to have them audit the call and get this settled. 
No one contacted me back from either the billing agent or the insurer. Next thing we knew we received a letter from a collection agency, Transworld Systems , Inc., that we owed the money, and again, no explanation. 
These calls are recorded for a reason and this was one of them. I was TOLD to take her to the ER and that it would be COVERED. Now, the bill is in our laps and no entity is taking the initiative or responsibility to audit that call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have been a loyal citigold and citi priority client sin ce 2007. I ha ve recently tried to open a savings account to be linked to my citibank checking account, but the bank has immediately closed the savings account after opening it. My account has been in good standing for 10 years, and I have been a loyal client for 10 years, I have received very poor customer service, and have complained to customer service as well as the corporate offices of citibank, but they still have not resolved the issue with opening a new savings account. their response was very abusive, rude, and unprofessional.

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 07-06-2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been on an income-based repayment plan for my student loan for several years. Recently, my loan servicer, XXXX, sold my loan to XXXX XXXX sent my income-based repayment ( IBR ) application weeks AFTER they say it was due. They mailed it on XXXX XXXX, 2016, according to the date on their letter with the application. It arrived on XXXX XXXX, 2016. Their letter said the application had to be returned to them by XXXX XXXX, 2016 -- weeks BEFORE THEY SENT IT or I 'd have to start paying {$71.00} a month. 

I wrote a letter along with my IBR application, explaining that I could not send it in before they even mailed it to me. They ignored my letter and began billing me.Apparently, they wo n't process my IBR, although I have been in the program for years and should be paying {$0.00} based on my income. 

I can send you the letter, the application, and any other evidence. If you look at the XXXX XXXX you 'll see they are doing similar things to lots of other people who were on IBR and have been unfairly removed from it by XXXX. This outfit is a scam, preying on people who ca n't afford to fight them.

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 01/20/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans were transferred from the XXXX XXXX XXXX XXXX to Edfinancial in XX/XX/XXXX. Since then I have experienced a drastic drop in quality of service. The website and documents have reflected inaccurate record keeping and my displayed balance and payment amounts have fluctuated, some by the thousands, when I logged in to print my loan summary or view my payment history. The month they said my debt was paid off in their error, my documented debt had actually doubled. For instance, in XX/XX/XXXX, my balance was {$5300.00}. In XX/XX/XXXX, it was XXXX. Then in XX/XX/XXXX, it was XXXX. In XX/XX/XXXX, I took a screenshot of my payment history showing payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were all different from the ones showing when I took a screen shot in XX/XX/XXXX. When I called and asked for a detailed payment and balance history log to explain the consistent fluctuations in my balance for greater than 12 months, I received a small document with a few short tables someone typed into. When I recontacted them several times on the phone, I was told repeatedly to send an email to the distribution list. When I did that, it took over a month to get a response and I still did not receive a detailed payment and balance history such as what I previously received from the XXXX. Every time I call to discuss an issue or ask a question, they say they will get back to me but instead make some change to my account instead before we speak. For instance, I called once to inquire about reallocating some of my XXXX loan repayments from a couple of years ago and they said they would call me back. Instead, they reapplied those payments and notated that someone from the XXXX called. This is below the standard I expect and deserve from a financial institution and I have lost trust in their accuracy, competence, and work ethic. I feel as though they can reallocate, increase, and/or change my loans at their will and I am helpless to do anything about it. I have screen shots and printed documents to support my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm writing to report questionable activity of XXXX companies attempting to collect a debt from me that is not mine and I did not incur. 

The XXXX agencies are ( 1 ) Bank of America, the original debtor, ( 2 ) XXXX , XXXX, the junk-debt buyer, and ( 3 ) the XXXX XXXX XXXX, XXXX, who is attempting to collect on behalf of XXXX , XXXX. 

I received written correspondence from XXXX XX/XX/XXXX, claiming I owed {$78000.00}, with no reference as to what it was for. I understand upon initial written contact, the debt collector must provide me with certain information, including an itemized account claiming to be owed in connection with the debt including loan principal, interest, and all fees. Additionally, they are to provide me with the debtors name and last known address. On my own, I discovered they were attempting to collect a debt incurred by a business line of credit through Bank of America. Incidentally, I was terminated from that business XX/XX/XXXX. The XXXX XXXX XXXX, XXXX, failed to provide me with the above information. 

I sent a dispute letter to the XXXX XXXX of XXXX XXXX ( return receipt ) well within the XXXX day time period. They have yet to respond, which I know they are n't obligated to do. However, I received a letter from Bank of America on XX/XX/XXXX, also asking me to contact them regarding this alleged debt that THEY claim is for a mortgage loan. The convolution, ambiguity and confusion as to who actually owns this debt, and that no one can tell me exactly what it 's for, is of huge concern to me, and something I wanted to let you be aware of. 

Considering the above, I wish to inform you again that I was terminated from the company XX/XX/XXXX, also released from all current and future liability and obligations arising from the operation of that company, known or later discovered. My ex-husband was awarded the company as his sole and separate property in the Settlement Agreement. He warranted to me there was NO unsecured community debt, which means this line of credit was at a zero balance at the time I was severed from the company in XX/XX/XXXX. Any and all company debt incurred after XX/XX/XXXX, is the sole responsibility of my ex-husband and his company wherein he is 100 % owner. Of course my Marital Settlement Agreement is legally binding and has the full force and effect of a court order. 
Thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A dispute inquiry letter was sent certified mail on XX/XX/XXXX and received by the company on XX/XX/XXXX. The dispute was that an unauthorized inquiry was made and reported to my credit report on XX/XX/XXXX. The company advised a digital credit application was received. I was not provided significant proof from this company proving that the inquiry was made by me. I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing statement

Complaint: I HAVE A CITIBANK CREDIT CARD.TODAY, I WAS TRYING TO CONTACT CUSTOMER SERVICE. FIRST CALL WENT TO XXXX, THEN IN U.S.A., BOTH WERE NOT CO-OPERATIVE AT ALL. THE CUSTOMER SERVICE IS HORRIBLE, AL THOUGH I SPENT MORE THAN 30 MINS ON THIS CALL. I WAS REQUESTING FOR MY ACCOUNT STATEMENT FOR XX/XX/XXXX BUT THEY DENIED TO DO SO.CITIBANK HAS NO RESPECT FOR CUSTOMER

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

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 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I mailed Green Tree Servicing a Qualified Written Request for the fourth time in less than a year. To date. I have not received a response as required by RESPA, Section 6. That requirement states the following : Once the servicer receives a QWR, the servicer must acknowledge receipt of the correspondence within five days ( excluding Saturdays, Sundays, and legal holidays ), unless the action requested is taken within that timeframe. 12 U.SC. 2605 [ e ] [ 1 ] [ A ]. 
As a result, I am entitled to damages as stated by law : If the servicer fails to take one of the required actions within the time limit, under RESPA a borrower may recover : - any actual damages suffered by the borrower - if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and - attorneys ' fees and costs. 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: My husband took out a line of credit home loan for {$25000.00} in XXXX and paid $ XXXX monthly to XXXX. He discovered in XXXX that it was an interest only loan and started paying {$500.00}. XXXX purchased the loan and he continued to pay {$500.00} per month until XXXX. Based on his payment rate he knew the loan was supposed to be paid. When he continued to receive statements, he filed a complaint with the XXXX. He received a letter indicating that XXXX had filed for bankruptcy and after a full review it was determined his loan, balance was XXXX. In XXXX, he began getting statements from Green Tree. After watching the continuing frustration of my husband I spoke to Green Tree and apprised them of the situation. I indicated that my husband had paid the loan off. Recently I started getting statements from DiTech reference this loan. It appears the DiTech is in the business of debt collection and found this loan and is attempting to collect it although it was paid. 
My husband is a XXXX veteran XXXX and I do not want him harassed by a debt collector on a debt that he nor I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Fraud or scam

Complaint: Lost $ XXXX down payment due to wire fraud. A portion ( {$27000.00} ) was frozen by the bank, but they refuse to return it. 

Per UCC - Article 4A - 205. ( a ) ( i ) the transfer was to a beneficiary which was not intended by the sender. 

Per UCC - Article 4A - 402. ( a ) ( d ) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extend the sender was not obliged to pay, plus interest. 

Bank of America ( BOA ) is the sending bank, the receiving bank, and the mortgage lender. 
BOA was informed of the Fraud several ways & provided evidence. Initial payment order explained intent & true beneficiary of the transfer. A series of short investigations confirmed both fraud & true intent. Despite investigation findings, BOA refused to return the frozen portion. 

BOA further enrich themselves by waiting until a second down payment was procured & mortgage was closed before offering a return. The return was contingent on receiving a notarized release. They gained holdings, plus caused tax liabilities & interest loss because due to their refusal. 

After gaining all they could, BOA offered to return the money contingent on receiving a notarized release. The release waives all damages & prevents info regarding the incident from being shared publicly.

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 12/21/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Capital One failed to collect the annual fee as described in the terms of agreement for my HELOC for XXXX of XXXX years and then tacked it onto my payoff which I was obviously not prepared for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX XXXX, 2016, I applied for a loan with Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I was approved for {$600.00} and told that the total amount to pay the loan off would be {$810.00} ( with an interest rate 35 % ). I agreed over the phone to pay off the loan at {$810.00} ; however, after the money was deposited into my account, Big Picture Loans sent me a different agreement which stated that my annual percentage rate was 740.258 %, and instead of {$210.00} in finance charges, I would pay {$3600.00} in finance charges. I called the company after discovering this and informed them of my concerns and was unable to resolve the issue. As a result, they have automatically deducted {$210.00} every two weeks from my account, to date, totaling {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MIDLAND FUNDING REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE ASSOCIATED COURTS PER THE COURT DISMISSAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been with Sallie Mae since XX/XX/XXXX when I first started college. I have around {$83000.00} of private student loan debt with them due to them raising the interest rates for all of my individual loans which they do not consolidate every month. When I graduated college XX/XX/XXXX Sallie Mae wanted me to pay {$1100.00} a month with a 9-9.75 % interest rate, which was XXXX my monthly income. When I told them I could n't afford that amount they told me there were absolutely no repayment programs I could enter into because they do n't offer any. I had to go into a forbearance period of 9 months in order to figure out how was going to afford these payments. It was n't until 8 months into forbearance ; and calling every week trying to find an affordable solution, that someone in the call center told me that I could apply for a term rate reduction plan. Now all my loans are at 2 % interest rate but I have to reapply and be reevaluated in two years. When I asked what that meant Sallie Mae told me that in two years they would see if they can raise my interest rate back up to 9 % depending on my income earnings. Their program will keep me in the same financial hole I am in now trying to just make minimum payments. 

Now that I have been enrolled in the term rate reduction plan, the only way I can be kicked out of the program is if I fail to make all my monthly payments but every month ( for reasons the customer service team fail to explain ) my automatic debit has been canceled on some of my loans. Which causes me a huge amount of XXXX because every monthly due date ( the XXXX of each month ) I have to search through which of my loans payment was n't taken out of and call Sallie Mae trying to get them to fix it. Each time I am on the phone with them they either randomly hang up ; the call randomly dropped, or I am shuffled between XXXX-XXXX customer service personal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Loan # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXAuthorization was faxed to Chase 3 times - XXXX XXXX, XXXX XXXX and XXXX XXXX. The representative we spoke to today said they ( Chase XXXX still has not sent the authorization to be validated. They can not give a time frame as to when this will be completed. This loan was supposed to have been reconveyed and it seems Chase does n't feel they have any obligation to provide a paper trail as to where the loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My son attended XXXX College in XXXX XXXX from XX/XX/XXXX up to its closure XX/XX/XXXX. I co-signed with him on a XXXX Education Loan. The XXXX Loan has been transferred to the University Accounting Service, LLC. The outstanding amount is about {$9000.00}. My son did not finish his studies at XXXX College and we believe XXXX and XXXX misrepresented their academic programs by coercing my son into applying for federal and private loans, and false promises of lucrative employment after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was a few days late paying XXXX and explained to th customer service personal that I would pay a few days after the due date and the customer service person expressed that t was late and did n't care and was gone nag to report it any ways. Now my credit score is in the toilet because of one instance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OH).
Issue: Account opening, closing, or management

Complaint: Both my parents passed away leaving me as the executor of their estates. While going through my Dad 's computer, I came across an email indicating his Well 's Fargo account would be closed due to fraudulent activity. Apparently someone had tried to access the account multiple times from various computers. I called Well 's Fargo, they told me the email was not from them and was probably a phishing incident. I told them I was not aware my father even had a Well 's Fargo account, but they said if someone tried to compromise it, an account probably did exist. I asked how I could get access to it and they told me to go to the local WF office with the death certificate, etc. They told me the closest office was over XXXX miles away. They indicated I could mail the information including the account number. When I reiterated that I did n't have the account number, they said sorry, we ca n't help you!

Company response to consumer: Closed with explanation