milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a phone call from ( XXXX ) XXXX. I answered the phone and a male voice answered. He asked for XXXX XXXX and I said yes. He then began to say that he had information regarding a financial matter but needed to verify my identity before he could proceed. He then asked for the last 4 digits of my social security number. I asked what it was in regards to, because I was not comfortable giving out that information over the phone to a stranger. He responded again that it was for a financial matter but he could not yet tell me without confirming my identity. He then stated that he had my full social security number on file in front of him and then recited the last 4 digits asking me to confirm. He then proceeded to recite my entire mailing address. I asked if he was so unsure of my identity that he could not tell me why he was calling, why did he feel that it was okay to give out my social security number and mailing address over the phone. He responded that it was their policy to confirm identity that way, and told me that nobody could do anything with just the last 4 of my social security but agreed that my mailing address should be private. I asked for the name of the company and he responded Dynamic Recovery Solutions. I got very angry and told him that he should not be giving out my personal information over the phone, what if it was not me then they would have my information, and I told him that I would not be continuing the call and that I would be filing a formal complaint. I find it very discomforting that a company with access to sensitive information has a policy in place where it can be so readily shared over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They continuously called me and asked for my information. I would deny, they called my wife and she said yes she was my wife. she was then told why i hadnt paid a debt to XXXX over 6 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: Dear CFPB, I had a checking account with TD bank, which seems like was overdrawn by error. I had linked my TD Bank to my XXXX credit card. By error it seems like the software submitted multiple ACH requests. 

I learned from TD bank that I was negative ~ {$200.00}, however, in less than 4-5 weeks, TD bank charged me more than {$250.00} in fees. They sent this amount to collection and closed my account. 

I am XXXX years old. I had only XXXX checking account. I am kindly requesting TD bank to please reopen my account and please remove the fees. I want to pay the overdrawn amount ASAP. Please ask the collection agency to not send this to credit agencies, otherwise it will damage my credit history. My credit score was close to XXXX, which now might have been damaged significantly. 

I will greatly any help from TD Bank. I was traveling XXXX XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX has already removed all Fees associated with these ACH debits. 

I apologize to TD Bank. 

I will greatly appreciate if you can help here. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Other financial service (Refund anticipation check) with Northeast Collection Bureau (VA).
Issue: Fraud or scam

Complaint: A scheme attempted to obtain money by false pretense. The scheme blackmailed a consumer through the consumer financial protection bureau website on XXXX XXXX, 2016 at XXXX XXXX. That is apparent money laundering scheme. The scheme claimed that there was no call placed. The FTC Do Not Call Registry affidavit or transcript must be transparent. The consumer already got confirmation by the FTC., which would help deter time wasting and resource embezzlement that would harm the liaison and the cfpb examination process which in the long run would result in conflict of interest and procurement fraud. Someone got away with identity theft and bilking. It implies that XXXX is at harm in bogus tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit card protection / Debt protection

Complaint: Citi bank has charged me for products they did not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Reference CFPB Case XXXX Hi team, I appreciate the support here. However, CapitalOne did not resolve this issue, and the answer has incorrect information about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, 2017, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, 2017 ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total amount stated in their formal answer is not the CORRECT amount. The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I have bills to pay, and I 'm not PAYING it because this mess caused by them. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (ID).
Issue: Managing the loan or lease

Complaint: Previously had a loan with Wells Fargo Dealer Services. Due to unexplained, exaggerated, and unnecessary fees and charges, I elected to service through another institution. I no longer have a loan with this bank. It was bought out two weeks ago. 
Wells Fargo Dealer services continues to call and harass, nevertheless. They will not take incoming calls, leaving instead a very untruthful statement about the effects of hurricane XXXX on their call center. 
They refuse to stop calling and this must stop. Wells Fargo has a well documented history of very unsavory and unethical practices. Why are they continued to be allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: Looked at my deposit this morning and it is not accurate ... Rushcard deposiy only XXXX into my account when it should have been XXXX I have been on hold for 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received notification of my Income Based Repayment Plan was coming due for renewal. I submitted my information and my husbands on XX/XX/2016. I received an email on XXXX XXXX from Navient that they had received my information and nothing else was need from me. I called the company on XXXX XXXX, 2016 because a payment of approximately {$490.00}, ( {$210.00} is my normal payment amount ), was pending on my bank account Navient informed me that my Income Based Repayment Plan renewal was pended on the XXXX because it was too close to my automatic withdrawal date for them to process the application. I did not receive any type of notification regarding this. If I had I would have contacted the company prior to XXXX XXXX. Navient suggested I contact my bank to put a hold on the pending payment. However this would disrupt my loan forgiveness program as well as continue to pend my renewal application. The other complaint I have regarding this process is, Navient sent information to me via a " company '' inbox on an " old '' website which I had no knowledge of until they shared with me how to access that information. Navient had sent information regarding the due date of my renewal application and additional information to the inbox. My regular e-mail which is listed under the paperless billing and information is not part of the Navient " inbox '' and therefore I did not receive any information on the renewal application or due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NJ).
Issue: Trouble during payment process

Complaint: Contacted FAY SERVICING on XXXX XXXX regarding escrow analysis ' and two payment increases. 

Two escrow analysis were done in one year resulting in payment increases. Two Representatives including a supervisor could not tell me why. Supervisor stated he would send this over to escrow department for review and within 72 hours someone would get back to me. I 'm still waiting. In addition my single point of contact representative has not returned numerous messages left for her. 

Verification of account holder is very poor. 

Lack of XXXX when calling a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account on many occasions with Equifax, XXXX and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX2016 payment history has No Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with Credit Bureau Services Association (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account in XXXX 2015 in response to an offer code XXXX. The offer was for XXXX ThankYou points for Citigold checking after making 1 or more bill payments for two consecutive months within 60-days of account opening. I fulfilled those requirements promptly and called the Citibank multiple times to confirm that the offer has been applied to my checking account. They told me to wait 3 months for the XXXX bonus points to show up in my account. While waiting for these points I also transferred {$50000.00} to IRA to prevent Citibank from charging me a monthly {$30.00} maintenance fee along with a Citi Prestige credit card ( {$450.00} annual fee ) to use with the thank you points. 
After I have done all this expensive procedure, last week Citibank emailed me that I am no longer qualified to receive the XXXX thank you points because I was not targeted to receive such offer. 
I feel that Citibank is doing fraudulent business by offering attractive bonuses to open a checking account and charging all unnecessary fees to force customers to transfer their IRA funds to prevent those fees. I spoke to the reps every month for the last 6 months and they said the offer is linked to my account. 
I will be closing the Citi Gold account and transfer my IRA funds back to the retirement bank, but wanted to notify consumer finance about the details of my issue.

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 04/26/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: I have been in foreclosure for a while and have tried to work with the bank on a few separate occasions. Last  XXXX  I went through the process with a customer service manager from Bank  of America n and tried a remodifcation. I kept giving them the information they requested, but would get a letter saying that I did not respond in time to the denied my request.     This past scenario, I got an auction sale letter by certified mail on  XXXX   XXXX  from a firm representing Bank  of America. I c alled the firm and asked how I can stop the sale and work with Ban k of America. T hey told me to work with my customer relation  manager  directly and they could assist and post-pone the sale. I immediately called to try to work it out again with BoA and was assigned a new  XXXX  to assist. Thats the thing with BoA, I can never actually speak to this person. They give me a name, and then when you call, they are never available and you have to work with the  XXXX  im on the line with and I never get to actually speak with the person who is responsible for my account.     Well I got the package form BoA along with the letter of what I needed to send them for the loan modification. I retrieved all of the files and faxed the info to them on   XXXX   XXXX  , for which I have a confirmation from MyFax services. I received a letter from BoA on  XXXX   XXXX  or  XXXX  about the extra materials they needed from me which included contacting my  XXXX  for details. This letter stated that any sales of the property would be put on hold until an answer was made in the application. It also stated I have 37 Days to complete the remodification.  Well  on   XXXX   XXXX  , the auctioneer showed up and sold my house. When I called the bank, they said there was nothing they could do at this point and to speak with their representation that handled the auction. Their representation says to talk to BoA. I am still within my 37 days and am trying HARD to make sure I do n't lose this house, but BoA is making difficult, almost on purpose it feels. I have  2 y oung kids and I am in a place now where I can make payments where I was n't when I got into the mess I am. I just want to make things right with BoA and start making payments and not lose my home.

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 05/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed an inaccurate amoun t ( {$2000.00} )  being reported  by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by  XXXX  at  XXXX  that all the company has to do is say the account is accurate and it gets reported. That 's just like saying  XXXX  owes me {$500.00} just because I said so.

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 09-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something TransUnion did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with TransUnion that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason XXXX : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on XXXX XXXX XXXX the XXXX day of XXXX, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the XXXX began.After the insurance coverage limit was reached at $ XXXX on XXXX the next XXXX statements indicated {$00.00} owed for those months. Then in XXXX XXXX a statement came saying to start making payments of roughly {$1000.00} per month again.I made those payments and they were not applied anywhere.Though I did notice that the deferred Interest amount had increased by almost the exact amount that those ( XXXX ) payments I made totaled.I then sent them a QWR letter requesting documents and an explanation.What they sent back was evidence of their wrongdoing over the past 12 years since we started the mortgage including the XXXX periods broken into 24 month segments.They basically kept sending continuance of XXXX forms and rejecting them and saying we needed to fill out a different XXXX in order to delay paying themselves.These forms were filled out by Certified Doctors each time. 
They even sent XXXX letter back saying that my doctor ( XXXX XXXX was not a real doctor even though they had accepted her forms for over a 2 year span.She is a real doctor XXXX or was at that time.So I had to get a new doctor to fill out the continuance forms. At that time I was XXXX. The situation caused XXXX on me and my wife.XXXX I did file for a Chapter XXXX Bankruptcy and it was discharged XXXX. I did not reaffirm the Mortgage.I am faxing several pages of documents for your examination of the problem. I just want the amount owed to be right and them not to be allowed to cheat us as they have done to several million people over the past XXXX decades.Please feel free to call me with any questions or more documents. I have hundreds of pages of letters and statements. 
Please help us out if you can. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is posing as XXXX ' from XXXX , Utah . I cancelled a membership to XXXX of XXXX ( Texas ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.

Company response to consumer: Closed with explanation