milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Trouble during payment process

Complaint: I purchased my home in  XXXX  for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter  XXXX  Bankruptcy in  XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and  one  payment for the current payment. My bankruptcy was successfully discharged in  XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response.  <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.

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 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an account listed which I have disputed with no response back and it is not mine. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with J. Scott Watson (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to XXXX university XXXX XXXX. They stated that I still owed them money in XXXX in the amount of {$10000.00} which I have no clue where this number came from because XXXX will not let you register for classes if you still owe money from a previous semester. I was making monthly payments to them in the amount of {$150.00} a month for 4 years straight which came to a little over {$7000.00}. When I called them to ask my account balance they told me that I still owed {$7600.00}. when I asked them how could this be they stated that out of the {$150.00} I was sending them a month only {$50.00} was going towards the actual bill and that {$100.00} was going towards late charges every month, which I was not made aware of this due to the fact that the payments would be late for the life time of the debt. I explained to them that this was ridiculous and I never even owed that large amount I only made payments because they kept threating to have me sued and would try to mess up my credit. I explained to them I had only owed a little over {$3200.00}. However XXXX had a collection company come after me when I refuse to pay anymore money to them. The law offices of XXXX XXXX XXXX XXXX Regency Plaza XXXX XXXX, Pennsylvania XXXX, these people claim to have the Debt from XXXX, I have been making payments of {$50.00} per month for over 3 years now and they keep harassing me by calling threating to sue me in court, telling me they will destroy my life by messing up my credit. everytime they send me a bill its for a different amount IM SICK AND TIRED OF BEING HARRASED!!! I explained to them that the debt that they have in incorrect, when ask for them to check with XXXX for the original amount they are telling me that XXXX does n't have the information any longer. they sent me a bill on XXXX XXXX XXXX saying I owe {$8900.00} I called and told them this was incorrect! then I got another bill on XXXX XXXX, XXXX saying I owe them {$9900.00} and this year they sent a letter saying that now interest will accrue at the rate of 6 % annum in accordance with state law. these people are rip offs I did n't have all the proof of all my payments I have moved and switched banks a few times most payments where through my bank accounts sometimes it was sent through a money order but all the ones sent to the law office for collections was through XXXX of my bank accounts. I had missed a few payments when I found out I had XXXX I was n't working had no income they continued to harass me saying they would sue me in court. I do n't owe this money and I 'm tired of paying them every month just for them to leave me XXXX XXXX should have to go through this, this is not right and I currently have no job after being out sick with XXXX and losing my job. I called XXXX they do n't have a record of the exact amount or the exact amount of payments I made. this has been almost 7 years going through this

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: APR or interest rate

Complaint: I have a balance with a 0.00 % interest rate yet I am still being charged a minimum interest rate/fee. A minimum interest rate/fee would mean my interest rate is not really 0.00 %. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: An account was opened on XX/XX/2016, at  Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Select Management Resources, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collectors are calling back to back at least XXXX times a day

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 05/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction problem

Complaint: I transferred {$850.00} to my Fiance in  XXXX ,  XXXX  on  XXXX   XXXX ,  2017 an d I tracked transfer which was picked up in Colorado, USA! Nowhere near  XXXX !  Western Union just gi ves me the run around but is no help at resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/16 I received a couple e-mails from Kohl 's stating that my account had been updated and an order placed. I, nor the other card holder had done neither. When I opened the emails, I found that someone had not only changed the name on my account but also the address. Within an hour of these events happening, I called the Kohl 's credit card customer service number provided on the card. After an exhaustive explanation, I was told the cards would be closed, new cards issued, they would try to stop the order and they would investigate. I continued to receive emails that the order was shipped XXXX XXXX/XXXX/16 XXXX, delivered XXXX XXXX/XXXX/16 XXXX, and, no surprise- a refund had been processed XXXX XXXX/XXXX/16 XXXX. I 'm surprised that these events took place even with me notifying them within ONE hour of the changes made on my account. ***How can a name and address be changed on an account and an order immediately placed and no safety measures in place to alert for fraud and protect me as a consumer and themselves as a company? *** As bad as this seems, I received and activated my new cards and on XXXX/XXXX/16 attempted to make a purchase that would not process. I placed a call to customer service and was told that I could not use the cards due to fraudulent activity. I stated that the fraud was on the original cards but that these were new cards. She stated that the new cards were also flagged for fraud and could not be used. I told her that since Kohl 's can NOT protect my information to close the account. I have been a card holder for 10+ years and so I 'm aware that my credit may take a small hit but it will be so worth it versus entrusting my information to this organization. Upon closer inspection with the original and new cards, it appears that the account is the same on all XXXX cards. It appears that Kohl 's simply issued XXXX new cards in the original account with last XXXX numbers being different. SO, I guess the original account was really never closed as I was told would happen. And so again, how did Kohl 's protect my information? And why was the account not closed? As a consolation, I received a letter from Kohl 's dated XXXX/XXXX/16 that states I am not responsible for fraudulent charge. I guess it was just divine intervention that I attempted to use the newly issued card to XXXX that the new cards issued were just extensions to the original account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: I make monthly payments and my balance never decreases. It states $ XXXX goes towards the balance when my payments are $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The lender is XXXX which is not reporting the correct balance and that is effecting my credit score significantly. I opened an investigation with Trans Union and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on XX/XX/XXXX, the case was opened on XX/XX/XXXX. The balance is XXXX as of XX/XX/XXXX in my credit report but as of XX/XX/XXXX the correct balance is XXXX I called Trans Union and complained to XXXX which claim was a supervisor on XX/XX/XXXX at XXXX XXXX XXXX and asked him why Trans Union is reporting a false balance and he said because XXXX said it. I told XXXX it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period. I asked why the screenshot that I submitted within Trans Union dispute section was not presented to the lender - XXXX and XXXX said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from XXXX and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say. The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

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 01/21/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been advising my family and friends to obtain their annual credit reports and I have noticed that Equifax appears to routinely asks obscure or difficult questions in the challenge questions prior to obtaining the online credit reporting with the result that many of my friends and family are refused the online credit report and a must print out and mail a form with complicated identity forms required. This is a discouragement approach to minimize online credit reports provided to citizens. 

They also do not provide " Credit Scores '', which must be purchased separately. The annual reports should contain any and all information reported on citizens provided to others, period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Transaction issue

Complaint: I have been a XXXX XXXX card holder since 1995. As of this year, they gave control of the card to Synchrony Bank. Unbeknowst to us, they transferred control in early XXXX shortly after we made a {$1600.00} payment to XXXX. We were told it would take 30 days for XXXX to transfer this payment to Synchrony Bank. In the meantime, we have faxed proof from our bank that these funds were indeed taken out of our account via billpay to XXXX. It has been 45 days now. After multiple calls to Synchrony, we ( myself and a representative from Synchrony ) contacted XXXX and were told that these funds had been transferred by XXXX XXXX. Now, they are telling us to get a " transmittal form '' from our bank to prove again that this transaction did indeed happen. Unfortunately, we have been charged a " late fee '' and the card was put on " hold '' while my wife and kids were out of town. Needless to say, she needed to use the card for gas to get home and was shocked it was declined. The representative from Synchrony Bank is still unable to locate this missing payment, and it seems to me that they are asking me to find it in their system for them. Additionally, they tell me that they will continue to charge late fees ( as well as affecting my credit ) until they can find it in their own system and apply it to our " new '' card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Credit decision / Underwriting

Complaint: i was told repeatably this item will remove ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (I do not know) with AUDIT SYSTEMS,INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to get calls from a company called ASI that claims I had a debt with a company called XXXX. The phone number I have for them is XXXX. I do not recall ever doing business with a company called XXXX. Additionally, I do not, to the best of my knowledge, have any past due debt with any company.

Before proceeding with the several of the calls, I indicated that I will not provide them information on myself, nor will I discuss any debt, until they send me written confirmation of the debt so I can validate this is authentic. I have instructed them to send the documentation to the address they have on file for the debt, since I will not provide them any information on myself since I believe this is fraudulent.

The company refuses to send me any documentation and continues to call me 1 - 3 times per day. This has been ongoing for approximately 4 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I seek your assistance in dealing with Citibank US to obtain the {$400.00} promotion that I 've qualified, for which Citibank keeps throwing me in circles. Sometime XX/XX/XXXX/XX/XX/XXXX, I had applied to open a Citigold account with the Promotion code XXXX which offered {$400.00}, if the terms and conditions were met. I received a letter dated XX/XX/XXXX, indicating that Citi 's record indicate that I 've qualified for the offer but that I needed to provide my XXXX, upon which Citi will credit my account for the incentive. 
I 've spoken to Citibank representative numerous times to no success. Every time, it 's the same story that they will inquire further and lodge a complaint on my behalf. During my call with a Citi rep on XX/XX/XXXX, the rep indicated that Citi had received my XXXX on XX/XX/XXXX but no word on my {$400.00} yet. The rep indicated that I should hear back within XXXX hours but off course no communication from Citi. I called Citi again on XX/XX/XXXX and the same story again ( further inquiry and complaint ). For one last time I called Citi on XX/XX/XXXX and expressed my frustration. I mentioned that if I do not hear back from Citi by the XX/XX/XXXX that I 'll be lodging a complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). Since, I have n't heard back as of today ( XX/XX/XXXX ), I was hoping CFPB would kindly assist me in obtaining my {$400.00}. One thing to note is that all the Reps that I 've spoken with were very sympathetic to my situation and were very professional as well. Unfortunately, their hands were tied as well. 

Having been a Compliance Officer at financial firms for the last decade, I understand the rules and regulations thoroughly and one thing for sure is that if something is advertised and/or promised, one should live up to their end of the bargain. I 've lived up to my end and satisfied the required terms and conditions but now I 'm being pushed around in circles by Citibank. 

Please kindly assist. Thank you.

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