milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with TimeMark Solutions, Inc (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On  XXXX   XXXX    XXXX   I did a search for a  XXXX  phone number and selected  XXXX  and dialed  XXXX . I was connected to a representative who introduced himself as  XXXX  and asked if I was calling about my  XXXX  loans. Throughout the call he miss represented himself as a  XXXX  associate. He had access to my student loan information and recommended that I consolidated my loans to get  XXXX  low payment. He then transferred the call to another person by stating that the consolidation is handled by a third party company called  Timemark Solutions.  I unknowingly agreed to the terms because I thought  XXXX  was a   XXXX    representative and that  Timemark Solutions  was affiliated with  XXXX .   I discovered several days later that  XXXX  was actually working for  Timemark Solutions  and was lieing to me the whole time. I called Timemark Solutions to cancel the service and explained to them what happened and why I signed up. They simply said that they already submitted the request for payment in the amount of { XXXX } and their was no refund. They further revealed the terms of the agreement was for a total of { XXXX } and that non of that money would go towards my loans. I told them I was told nothing about being charged { XXXX } for something I could have done for free.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I recently tried to dispute and bogus collection account that has popped up on my Transunion credit report. The account name is XXXX which I have no knowledge of this account, no affiliation, did not give my authorization to use my personal information, and the only conclusion is this may be from and workers comp case from last year. If so I am not liable for this account or payment they need contact employer and worker comp insurance. I have tried repeatedly to dispute account online like told by phone reps but every time you try to dispute account and click continue button to send dispute online it is deactivated for adverse accounts. I have noticed that if I select a good account and click button it will continue but if you select an adverse account it will not let you continue process. I 'm sure this is one of these tactics to keeps consumers from disputing inaccurate information.

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 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This charge from XXXX was never supposed to be added to my account. I have spent 6 months getting XXXX to remove this charge and clear my balance to {$0.00}. I was told the charge was removed from my account over 5 months ago. I have been released from this erroneous charge. They guaranteed me that this would never be an issue on my credit report, as I pride myself with keeping a very high credit score. Someone needs to get through to this company and confirm the charge was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-06-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my XXXXyr XXXX mortgage on XXXX/XXXX/2015. Nationstar charged me interest through the end of XXXX. Per the Federal Register Volume 79, No. 165, Page 50835 24, CFR Part 20 ( RIN XXXX ) : interest is only allowed to be charged through the date the mortgage is paid. I have made multiple phone calls without any progress on my overpayment. Natoinstar 's customer service has no accountability and are grossly negligent. I will never do business with this mortgage provider again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Other

Complaint: I agreed to a balance transfer promotion which allowed me to get the money interest free for 12 months. I also made other purchases outside of that promotion. Today I want to pay off the balance transfer promotion amount. I called the company to get the amount and they advised. I stated I wanted to make that payment and I was told that because I have made other purchases and transactions, that my payments will first be applied to the new transactions/purchases and that based on their payment allocation abilities I the consumer am not able send in an amount for the exact amount due for the promotional offer and have that amount applied to the promotional offer which then leaves me to have to not only pay the promotional offer off, but also every transaction/purchase since in order to avoid interest on that promotional amount. This was never disclosed to me in any form or fashion. Other companies are able to specify which type of line the payment should go to " Specify where my payments are applied '' for example, but this company does not. Furthermore, I was given the wrong date to pay that promotional amount off, which has adversely caused me to be very stressed as I intended to pay it off when it was due and not earlier, they said a date earlier. I called again and got another date so now I really do n't know when it is due. I called to ask for my balance transfer consumer agreement and they advised that they could not give me that either. I asked where the general terms are, and they could not provide that. It is not in the best interest of the customer to apply a monthly payment to the line of credit with the lowest interest or to a promotion amount before applying it to an amount with the highest interest rate. That also happened without my consent. Their terms for " How my payment is applied '' state that " Generally, they apply it in a certain form or fashion, I as a consumer need to understand what " generally '' means, and how I can be satisfied by being able to make a payment to a promotional offer in its entirety without having to pay also purchases that were made afterwards that have no end date for incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This complaint is concerning my Citi Diamond Preferred Card, ending in XXXX. Citi has assessed ( and I have paid ) two ( 2 ) balance transfer fees ( {$1400.00} and {$300.00} ), even though Citi promised it would not charge these fees. After repeated requests for a refund, Citi has refused. I initiated two ( 2 ) separate balance transfers with Citi, based upon their representation that they would NOT assess balance transfer fees. I relied upon Citi 's false representations to my detriment. On XX/XX/XXXX, I called Citi to inquire about a zero percent balance transfer offer. I was informed that the offer was subject to a balance transfer fee. I told the representative that a competitor ( XXXX XXXX ) offered me a zero percent balance transfer, with no fee, and I asked the Citi Customer Representative if they would waive their fee, and the representative said YES. Therefore, on XX/XX/XXXX, I initiated a balance transfer ( over the phone, during the same call referenced above ) in the amount of {$28000.00} ( and, as a result, Citi later assessed a balance transfer fee of {$1400.00} ) On XX/XX/XXXX, a balance transfer in the amount of {$6000.00} was initiated, via a check, sent to me by Citi ( and, as a result, Citi later assessed a balance transfer fee of {$300.00} ). On XX/XX/XXXX, I chatted with Citi representative named " XXXX '' via Citis website and asked her to refund the fees. She refused. On XX/XX/XXXX, I called Citi customer service, and asked the representative ( whose identity I did not capture ) to refund the fees, and they refused. The matter was referred to Citi 's Executive Response Unit and I was assured that I would receive a resolution within 48 hours ; however, I never received any communication. On XX/XX/XXXX, I called Citi customer service and asked the representative ( XXXX ) the status, and he said it was still with the Executive Response Unit, and I would receive a resolution within 48 hours ; however, I never received any communication. I demand that Citi honor its promise of not assessing a balance transfer fee, and demand that Citi refund the fees ( {$1400.00} and {$300.00} ).

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 12-02-2015 about Debt collection (Credit card) with Second Round Limited Partnership (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My account with XXXX XXXX is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and XXXX XXXX but got no where. I am attaching all document for your information.

Company response to consumer: Closed
Consumer complaint received 10/23/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance.

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 03/15/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Statute of limitation expire but they keep harassing me sending me letters and calling me. 
I 'm a XXXX citizen just living from my Social Security check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I received a letter in the mail informing me that my account has been overdrawn {$330.00} for 42 days. I logged into my account and noticed that Wells Fargo allowed multiple withdrawals from third-parties when my account only had a few dollars left. I opened a new checking account with a different bank last year due to their overdraft fee class action lawsuit. I had no idea they would authorize continuous transactions after the first attempt failed then charge me NSF Returned Item Fees until they rack up then send me a letter about collecting a debt. This has put me at odds with Wells Fargo and I do n't even want to be their customer anymore. I have used their services ever since my old bank ( Wachovia ) was acquired by them, and while I 've had a few bad experiences in the past, this particular incident is much larger.

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 12-08-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted in a voicemail to call phone number XXXX. They stated they were XXXX XXXX XXXX. I was being sued for a XXXX XXXX debt of {$1000.00}. This debt does not show on my credit report. They called my me, my wife, my son and my job. When I tried to find out more information about this cam they just threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Auto) with Riverwalk Financial Corporation (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company  DEVILLE ASSET MANAGEMENT  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report  on    XX/  2016.  They then closed the account on   XXXX /2  016.   Next, t hey removed the ok status from   XXXX   2016 an  d added an ok status for   XXXX   2016. Th  e n changed the whole history from charge off to failure to   pay. I 've ever did business with Deville Asset Management company and I do n't think it is fair for them to dama ge my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them ov er 30    days. They did not respond in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Unsolicited issuance of credit card

Complaint: I canceled my American Express card months back due to fraud and they continually sent me statements each month with a XXXX balance and sent me a new card recently without my consent. I called them today to rectify the situation and to stop harrassing me but they would not talk to me without giving my personal info. I have no balance on the card and want them to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

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 08-11-2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (OH).
Issue: Managing the loan or lease

Complaint: Hyundai Finance refuses to give the consumer any paper title, even when the loan on the vehicle is paid off. This is a racket as it causes the consumer great hardship when wanting to sell the vehicle ( unless you go back to Hyundai or XXXX of course. ) Our situation is that we bought a new vehicle in XXXX from Hyundai in XXXX XXXX. We bought a XXXX XXXX XXXX and financed it through Hyundai as a great rate was offered through the dealership and factory. ( We did n't think anything about not getting a paper title because we had a loan on it. ) Once we paid the loan off in XXXX, XXXX, however, we requested the title. The XXXX number for Hyundai Finance said we would receive it in the mail and if any problems to just call them back. We also told them we were in process of moving, but it did not concern the customer service representative. We moved to XXXX for a job transfer in XXXX, XXXX. Our mail was forwarded, but all we received from Hyundai was a " Dear Customer '' letter dated XXXX XXXX, XXXX. It states, " Congratulations! Our records reflect that your retail installment contract, referenced above, is paid in full. '' In the next paragraph it states, " The original lien on your vehicle was filed electronically and your title will be forwarded to you by the Department of Motor Vehicles. You should contact your local Department of Motor Vehicles division for questions regarding your title if you do not receive it. '' So we called XXXX DMV, where we resided since XXXX and the where the vehicle was registered since. XXXX DMV told us our vehicle was still titled in XXXX. Upon calling XXXX, they said to fill out a form and mail to them and they would send us a " replacement title '' because the title is only electronic. I find this horrible practice by Hyundai, causing a lot of consumers unnecessary grief and confusion regarding an expensive asset. Is n't it a violation to not give the title back to the consumer, and put this all on the states and their residents? What about people who have to move for a job or military? I ca n't see XXXX or XXXX doing this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Payday loan debt) with Asset Management Professionals, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I've been getting calls from asset management about a supposed debt I took out with XXXX XXXX in 2011. There are a lot of red flags to this claim. Why are they just asking me about this loan that happened years ago? Why can't I mail in payments, instead of giving them a lump sum.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.

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 10/22/2015 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (MN).
Issue: Fraud or scam

Complaint: Signedup XXXX family members for referrals on Coinbase.com. Coinbase at that time offered {$75.00} for each person referred to their service. I referred all XXXX and they met the terms Coinbase intially offered. Signup took a while do to money transfer timeframes setup by Coinbase. In that time, Coinbase changed their promotion and terms to {$10.00} for referrals. When asked why, they said they could change terms at anytime ( even if signup up for {$75.00} referral bonus ) and that family members did not meet the terms either. Felt like they just change terms to disclude giving out referral bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: on XXXX/XXXX/XXXX a claim was initiated for fraudulent and unauthorized transactions on my debit card. This claim has surpassed a 90 day time period since XXXX/XXXX/XXXX and claim is still not resolved. Information regarding the theft of not only my funds but possible identity, have not been provided by the merchant and bank of america has no further information to provide nor has contacted me regarding this claim to this point.

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 monetary relief
Consumer complaint received 11-09-2017 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: Account status incorrect

Complaint: I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX  CT  XXXX  VA  XXXX   XXXX  Equifax and  XXXX  will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

Company response to consumer: Closed with explanation