milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( 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 explanation
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've never lived in XXXX XXXX so that address XXXX XXXX is incorrect. I 've stayed in XXXX all of my life. XXXX XXXX does n't serve my area, therefore, the collection is not mine

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 11-12-2017 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: Old information reappears or never goes away

Complaint: In CFPB complaint XXXX XXXX XXXX  was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX  another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

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 03-06-2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THE ISSUE WAS RESOLVED BY THE VIRGINIA CRIMINAL INJURIES COMPENSATION FUND TEL:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen foreclosed on my home in 2010 during our process of doing a Loan Modification which they stated themselves in writing that they would not do. While I was under the impression that Ocwen and I were going to reach an agreement for the continuation of my home ownership they foreclosed on me. Ocwen also made many bogus charges running up my payment and also returned my check for a loan payment uncashed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Wells Fargo ) only uses one appraiser ( XXXX ) to establish the value of my home for the purposes of cancelling PMI. They do not allow the use of any other appraisal company. Wells Fargo contends that XXXX is an independent firm although they are both owned by the same parent company. XXXX ' evaluation of my property value was deliberately based on the lowest value comp in their appraisal and I believe is instructed to do so by Wells Fargo. This seems to be a common issue with Wels Fargo and XXXX. I draw your attention to a pending suit filed by the City of XXXX XXXX for this same reason. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hi, we cancelled our credit card with American Express after over 20 years of excellent payment history since we were denied a charge for our taxes in XXXX, and after being insulted by an incompetent CSR, who told my husband we need to pay down our card to improve our credit so he cancelled our AMEX cards. Then, we later found out our AMEX rewards points were gone so we filed several complaints with AMEX with no resolution so we are seeking the return of our XXXX points that still show up on our most recent XXXX XXXX statement. The CSR never told us we would forfeit our points, and the CSR 's who we filed our complaints with keep saying there our no notes of our conversations so we want to put this in writing so everyone can see what a SCAM AMEX can be after 20 years of loyal service. In fact, our XXXX XXXX statement shows we have XXXX new points so not sure why we would accrue additional points when our past hard earned points were taken away so please help us resolve this matter before we file a small claims suit next for additional damages to our credit reputation as well per the CSR 's blatant ignorant statements which originally caused us to close our AMEX account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with CHEMICAL FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 my mortgage was sold by XXXX Bank to Chemical Bank. My XXXX XXXX payment went to XXXX who was to transfer to Chemical. In XX/XX/XXXX I made XXXX payments XX/XX/XXXX and XX/XX/XXXX to Chemical Bank. I received XXXX late notices from Chemical saying my XX/XX/XXXX payment was n't received. I made an additional payment over the phone XX/XX/XXXX to stop the threatening late pay notices ... 
I pay $ XXXX monthly which is more than my regular payment requires. The additional money is not recorded on my loan. No one from Chemical has been able to tell me why or where that money has gone. 
To date I have spoken to XXXX Chemical representatives beginning before XXXX. The first rep took my cell number and promised to look into my account and call back. Never heard from her. The next rep e mailed transaction history which confirmed no account of the curtailment. The remaining XXXX reps still could n't answer my questions and did n't seem to share in my concern about the whereabouts of the additional {$800.00} per month from my mortgage payments. All checks have been cashed ( see attached. )

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 06/30/2017 about Money transfer, virtual currency, or money service (Check cashing service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Unexpected or other fees

Complaint: I went in to Bank of America in  XXXX   XXXX  in Georgia to cash a check drawn on Bank of America that my husband wrote to me I was given a pamphlet indicating that beginning  XXXX   XXXX  they will start charging {$8.00} fee for non account holders to cash a check drawn on Bank of America I think that is discrimination and pressure to have people open bank accounts I choose to bank with another bank and choose not to deposit the check into that bank because I prefer to get the cash. Banks should not be allowed to charge consumers who do not bank with them to cash a check from an account holder that banks with them it is simply greedy and unfair

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 02-08-2018 about Mortgage (FHA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Trouble during payment process

Complaint: After MULTIPLE errors with managing my escrow account on my mortgage I called Navy Federal to request removal of escrow. I can not trust them to understand the difference between an increase or decrease, addition or subtraction, so I surely can not trust them to pay my bills for me. 

During the first phone call I was told that I was not eligible for an escrow waiver because FHA loans do not allow for it and that it was in my loan disclaimers. I got off the phone and found this to be a LIE ( big surprise ). There is NO rule that FHA does not allow for escrow waivers and it is NOT indicated anywhere in my loan documents ( yes I read them all ) that my loan is not eligible for escrow waiver. 

I submitted in writing a formal request for escrow waiver. I was told I would receive a response within 5 business days. On day 6 I got a call that from a Navy Federal agent which was completely inaudible, so I called in to the contact center. I was told that I had received the Escrow Waiver and instructions on everything were in the mail. ( The first time in MONTHS Navy had done something right ). 

Then this morning I get a new message from Navy Federal with the letter that was put in the mail attached to it saying I was DENIED for the escrow waiver. 

This company does nothing but lie and can not provide ANY proof that a consumer was informed prior to agreeing to a loan that escrow waiver would be denied on my loan type. This equates to deceptive loan practices and they need to be sued by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: After being discharged from Bankruptcy in XXXX XXXX, I began receiving messages from XXXX. After listening to a voice mail prompting me to call them back for a legal matter, I returned the call. I spoke to female that said I owed Chase Bank approximately {$2000.00} for a credit card loan I took out in XXXX. I told her that I had filed Bankruptcy and had been discharged and therefore did not owe the debt any longer. The female told me Bankruptcy did n't have anything to do with stealing over {$2000.00} from a credit card and the civil charges they planned on filing. She stated because I did n't pay the debt to Chase, they were going to file Federal Charges in XXXX hours if I did n't come up with the money. The female said that " borrowing money and refusing to pay it back is a Federal Offense ( Grand Larceny ) and I will be prosecuted and I will receive jail time, about 5 years. '' I never had an account with Chase Bank but I was caught off guard by the threat of Federal Charges. I called back and a male answered the phone. I asked for the attorney 's name and number who was handling my file. The male put me on hold and hung up the phone. I blocked the phone number when I realized it was probably a scam. 
This evening ( XXXX/XXXX/XXXX ), I received XXXX back to back calls from the another number, XXXX - XXXX XXXX ( Male who owns the company 's name is XXXX XXXX ). The same female answered the phone. She said her name was XXXX XXXX. She was with " XXXX XXXX ''. She told me that I owed a debt to Washington Mutual from XXXX. I told her I did not, never had an account with them. She went on to tell me that they were going to file Federal Charges against me for stealing money and refusing to pay the debt and I would be arrested. I told her I spoke to her before and this was a scam. She said that she would tell the District Attorney to proceed with the Federal charges and slammed the phone down in my ear. 
Upon investigation, I found the following information : XXXX XXXX XXXX XXXX XXXX XXXX, CA - turns out to be a false address. There is no XXXX, California. This address is valid in XXXX, OH, but it seems to be in the middle of a highway. 
Other consumers have received calls from the following numbers citing the exact same senario - XXXX ( number on website ), XXXX, XXXX ( registered in XXXX, NV ) and XXXX. 
The company 's website gives several ways to contact them for potential clients- XXXX ( main ), XXXX ( fax ), Email addresses - XXXXXXXXXXXXXXXXXXXXXXXXXXXX of this " firm '' has several aliases - " XXXX XXXX XXXX, " XXXX XXXX XXXX, " XXXX '', " XXXX '', " XXXX XXXX XXXX, and his Operator goes by the name " XXXX XXXX XXXX. This is extortion. They appear to be looking up people who have recently been discharged from Bankruptcy and trying to strong-arm them into giving them money using threats and made up accounts that people do n't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter from Fay Servicing , LLC dated XXXX XXXX, 2015 that my mortgage loan was sold, transferred or assigned to a new creditor, XXXX XXXX XXXX. The date the loan was sold to the new creditor was XXXX XXXX, 2015. This is the third time my mortgage loan has been sold right before finalization of my deed in lieu of foreclosure resulting in multiple unsuccessful attempts to complete the foreclosure process. Not only is this frustrating, but I was not given the appropriate notice about the creditor change. I should have been given no less than 15 days notice before the effective date of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Payoff process

Complaint: When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Taking out the loan or lease

Complaint: I purchased a car from XXXX XXXX in XXXX, PA. I was instructed by XXXX XXXX that the car was in perfect condition and needed a few small repairs. Upon purchasing the vehicle, I went back to the dealership several times from purchasing the car. Telling them that something was wrong with the car. Each time they instructed that nothing was wrong. Upon taking the car to my local car repair they found many things wrong with the car. The car is zip tided together. The car is unable to be driven because the zip tie has now broken.. XXXX XXXX Agreed several times to make the issue right and never did. If this car would have fallen apart on the highway someone would have been killed. This is very serious..

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 01-09-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from Midaland Funding via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. Midland did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to Midland ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Credit reporting () with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They are mixng my name with my dad. His name is XXXX and my name is XXXX. They are also mixing my address with my dad. My XXXX lived before XXXX, XXXX, NJ XXXX. I have never live there before. My XXXX now lives XXXX, XXXX, fl XXXX. 
I live now at XXXX XXXX, fl XXXX Before that Live at XXXX, XXXX, fl XXXX before that XXXX NJ XXXX. 
Please Help me fix this problem. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I am filing this complaint because Paypal restricted my account and locked me out so i cant make purchases or add or remove cards. I have not even been able to use the service once for a payment. They recently said they could not verify my idenity even though they have all of my information. They sent me mail before and even a PayPal mastercard yet they claim suddenly they can not verify my identity. I provided social security number and linked account what else do they need an iris scan? There is no lawful reason for the security lockout on my account at all. This could be some discrimination in my opinion. They should stop harassing law abiding citizens. They should be able to send me certified mail that i could sign it is very hard or next to impossible for me to go and fax a copy of a bill just to prove my identity when they already know since i already provided that information and they could just send me mail.. i feel their rules dont make accommodation for XXXX and elderly because i can not easily Go fax in documents and rheir app does not work to scan documents and send them. I feel random ibdenity verification requests are unreasonable and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/15 I sent a " MoneyGram '' transfer, I then cancelled the transfer a few hours later. I called MoneyGram to find out how long it would take to see the money back in my checking account and was told XXXX days. I have called them back 3 times since then and each time I call I am transferred at least XXXX times and promised I would see the money in a few days each time. It has now been XXXX days since the transaction was made. Their website states they issue refunds in XXXX business days. I called again today and after being transferred XXXX times and on the phone for an hour and a half and I was told to wait an additional XXXX days. No one there wants to help, no one knows why it is taking so long and everyone says to wait a few days just to get us off the phone. Can you please help me in receiving my refund.

Company response to consumer: Closed with monetary relief