milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with Square One Financial, LLC (CO).
Issue: Problems when you are unable to pay

Complaint: I pay XXXX $ to this financial institution for vehicle loan and only half goes towards the amount financed rest goes towards interest. They have caused so much stress on me I may have not payed on 2 time but I payed my late fees on top of the XXXX $ and non of that went towards the vehicle loan. I am a XXXX veteran who has XXXX and this has increased XXXX. Please help I also got email conversations between me and financial company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with Webster Account Solutions LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX called my phone 4 times asking for XXXX XXXX. I let them know I am not XXXX XXXX and I do not know an XXXX XXXX. 
This debt is not for me. They asked me to ask my family members and relay the messages. 
I asked them to discontinue calling my phone and the lady was yelling back at me. 

The number they are calling from

Company response to consumer: Untimely response
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 I discovered that at approximately XXXX that morning, an unauthorized withdrawal of {$2900.00} was made via teller withdrawal from my checking account at Citibank XXXX The line item on the transaction showed the location as being at an ATM at XXXX in XXXX ( this is about XXXX miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on XX/XX/2016 ( Saturday ) at around XXXX an additional {$2900.00} was fraudulently taken out of my account at the same branch in XXXX XXXX The entire amount of funds stolen from my account is {$5800.00}. 
I have been working with Citibank for almost XXXX months and the funds still have not been recovered into my account. Citibank 's latest instruction to me was to make a police report and then provide them with the case number, so that they can request and review camera footage from the ATM where the funds were stolen to ascertain that the individual making the withdrawals was not me, was not known to me and/or did not have permission from me to make a withdrawal. So far they have denied my fraud claim on the basis that the withdrawal was made using my card PIN number. Citibank asked me to provide a written affidavit stating that I was not the person that withdrew the funds, and that I did not know nor authorize anyone to withdraw the funds, which I did complete and provide to Citibank. I guess the inference is that I must have provided the number to someone but this is false. I have not shared my PIN number nor my card with anyone. I do not keep multiple copies of my debit card, and there are no other signers on my account that have access to it. I do not keep my PIN number written down anywhere. I have not given the card nor the PIN to anyone ever to use nor given anyone permission to withdraw funds using my debit card, ever. 
My suspicion is that a card skimmer was used to copy my debit card information. On the night before this all happened ( Friday XXXX XXXX a taxi driver asked that I purchase them gas in exchange for a lower ride fee, and I suspect that before I used my card for this purchase they put a card skimmer on the gas tank and secretly observed or recorded my PIN when I made that purchase. That 's my strong suspicion just because the timing is very coincidental. 
I would greatly appreciate any assistance, advice and help working with Citibank to recover these funds. I am a single father of XXXX teenagers, my wife passed away last year and I can not afford to lose this much money. Can you please help me. 
XXXX, 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 monetary relief
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a copy of my credit report and there were two account reporting on Equifax that I disputed several times. There are 2 collection accounts and neither are reporting a company name. They say unknown. How is that validating anything? One has an account number of XXXX the other XXXX. There is nothing that I have or ever received with the amounts they are reporting too. Please help me Equifax is n't taking me seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Capital One website is down the majority of the time. They push web access and online payments, but then 9 times out of 10 you ca n't log in, getting an error that they are having issues. A quick XXXX search always shows dozens of others complaining of the same thing. I want to be able to make my payments when I want to, not waiting days on end trying to log in. This is an underhanded way that they are just trying ( and succeeding ) to make more interest from customers. This has been going on for several months. Today XXXX/XXXX/XXXX is the last straw. Want to log in and make payments on all 3 cards and can not. From experience calling - yes, you can call and make a payment, but that takes forever to get someone and then they want to charge a fee!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: It has come to my attention that Wells Fargo has issued a Non Sufficient Funds fee for an unauthorized transaction. On XX/XX/XXXX I incurred a {$35.00} fee for the following transaction : {$12.00} XXXX XXXX XXXX A previous conversation with Wells Fargo indicated that withdrawals from XXXX were unauthorized. Wells Fargo informed me they would issue a stop-payment on all future withdrawals from XXXX. However, Wells Fargo continues to fine me {$35.00} per XXXX withdrawal attempt. 

The Non Sufficient Funds fee created a domino effect of two more Over Draft fees and Non Sufficient Fund fees. These fees were incurred XX/XX/XXXX. 

I am also concerned that Wells Fargo is rearranging debits and credits, causing my bank balance to fall below {$0.00}. I believe this is done in an attempt to maximize Over Draft and Non Sufficient Funds fees. 

Total fees incurred are ( {$35.00} + {$35.00} + {$35.00} ) =  {$100.00}

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 09-06-2015 about Prepaid card (General purpose card) with U.S. BANCORP (KY).
Issue: Unauthorized transactions/trans. issues

Complaint: {$810.00} was fraudulently charged on my XXXX XXXX prepaid visa. They will not give me a provisional credit. I 'm a single mom on a tight budget.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX is showing a 10-year-old debt under XXXX that I do not have. I tried to file a dispute with XXXX but as soon as I hit enter on their form the dispute form submission request was rejected because there is no account number, it does not exist on their records nor can I enter a complaint number which they will not issue to me without filing the complaint form. However, within one second I received a harassing phone call from ERC asking me to verify my address and other personal information. I want XXXX & ERC or whoever they are to remove that debt from my personal records without having to pay them the monthly subscription to their services that they want from me to be able to review their bogus records. Who are they and why are they allowed to conduct these kinds of businesses? Why are they allowed to make money by harassing people without proof of debt? Please advise ... Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted multiple requests to cancel my PMI insurance over many months and have received multiple responses from " we never received it '', " You still have more paperwork to send '', " you need to resubmit '', " We have no record of this request ''. They still have not cancelled my PMI even though it has been eligible to cancel for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX 2017. I noticed that my checking account was a withdrawn for {$500.00} and I called Chase to make a claim at their fraud dept. i 10min I had the money back in my account in a month later they took it back. I was asked to make a police report so then they can have permission to call the company that owns those machines and to see the camara..I did it, I also was given a fax number where to send it..I did it. I faxed it 5 times they claimed never go it..I send it via regular mail certified and return receipt then they got it..soon after that, they told me that was going to take 30 days to get an answer in fact, I got a letter in the mail saying my case was closed they were not going to return my money due to their own conclusions, I called again, to follow up on that letter and I was given another number to call that is a support dept. and they said go to the police dept and give them this number so we can help..I go to the police dept and I told them this and they said we do n't need to talk to them they have to do their own investigation at that point i was given a detective phone #, I gave him a call he returned my call I explain to him the whole situation and he told me that they were giving me the rounds they should be responsible for situations like to do their own investigation ... but chase has closed my case and they said there is nothing they can do ..I, as a victim I was told to do left and right so I found very unpleasant false statements in their part every body and every dept are trained to lie lie lie at the end of the day I lose. I lost my {$500.00} I spent for certified mail, I spent time on the phone, running to the police dept, calling a first assigned detective, then a second one, so at the end of the day they 're done denying the case. I was put in a huge stress situation that I do n't  appreciate a bit of it. thanks to their lies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? 
This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with DISCOVER BANK (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Discover card open during a XXXX month arrest ex husband decided to charge up my credit and used my name and social security for fraud. enclosed is documentation been fight this company for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Collection Bureau, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.

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 09/23/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. I was told that federal loans would take care of the associate 's and bachelor 's degrees. About a year before I was supposed to graduate, I get pulled in the middle of class into the financial aid department. They told me that my federal loans had run out and that I would have to take out private loans to finish my degree. They had me take out a Peaks loan. Because of their high interest rates, my total federal and private loans come out to over $ XXXX. I am already in a student loan forgiveness program for my federal loan, but need help with my private loan with Peaks. I had contacted Peaks and the lowest they can drop my payments to is {$200.00}, which I still ca n't afford. There is no way the education I received from XXXX is worth anywhere near $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for credit line increase on my   XXXX   card ending  XXXX . Request was denied on   XXXX   XXXX  , 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on   XXXX   XXXX  , 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.

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 03-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: id theft happen to my account cra violation inaccurate information with XXXX had issues with accounts that caused all kinds of overdraft that was not my fault

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 11/16/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: I encountered missing money in my account with a total of almost XXXX. My bank BBT has denied my dispute and are not even providing me with a temporary credit until they can investigate clearly without making assumption on why I could n't have prevented it. I informed them that someone close to me might have got ahold of my pin and was using the card at the same time. But they are not willing to look beyond and I am now suffering the lost of almost XXXX. I do n't know what Else to do now that I do n't have none of my savings anymore.

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 08/28/2016 about Bank account or service (Savings account) with BARCLAYS BANK DELAWARE (NC).
Issue: Making/receiving payments, sending money

Complaint: Upromise, who is owned by Sallie Mae provides 1 % cash back on eligible purchases. We have submitted the last XXXX checks and have never received them. We have logged online and sent customer service multiple emails. We did not know who to contact Uppromise is operated by a Credit Card Company, Owned By SallieMae so we were unsure as to who to contact within your department.

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 10/21/2017 about Debt collection (I do not know) with United Check Recovery, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call. Did not know who called so I XXXX the number, XXXX. Results state a debt collector, XXXX XXXX. We do not owe anyone? Why call us?

Company response to consumer: Untimely response
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is my 3rd dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same 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