milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Credit card) with EXPERT GLOBAL SOLUTIONS, INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple constant calls by robo dialer calling and hanging up constantly at XXXX seconds or XXXX seconds, leaves vmail once on occasion this a debt collection company information is given as follows E.G.S XXXX XXXX XXXX, XXXX PA XXXX. the company is using a number that is blocking caller id and comes up with only XXXX and number unavailable information was retrieved on company via voicemail message left one time on recording and third party contacting company and obtaining information about the company. -company refused to provide legal compliance information as well., on each day in XXXX starting on XXXX XXXX XXXX XXXX called again XXXX XXXX, then on XXXX call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, on XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX XXXX XXXX second call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX pm XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds ... .. The calls are Repeat and autodialing they are also blocking caller id and attempting to harass contact by repetitive calling and harassing these violate multiple FTC, FDCPA, CFPB Laws in accordance with the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Good afternoon, On Saturday, XX/XX/2017, I called my bank to inquire about a direct deposit and to ask where did {$340.00} that appeared in account Saturday morning. It was n't showing as a deposit and I knew it was less than what I was expecting. The representative and I reviewed the account and she was unable to identify the origin of the funds. I jokingly said, " I know my bank is n't giving me free money. '' I asked her to check for my direct deposit which she did. At that time, she was unable to locate the funds. I told her please the note account that I 'll be paying my bill with the XXXX. If and when you figure it out, XXXX will reconcile with my direct deposit. 

The funds stayed in the account ; and on Tuesday, XX/XX/2017, the direct deposit show up. I made sure I left the amount I saw over the weekend just in case. On Wednesday the XXXX, my bank charged me an overdraft fee. I called to find out what was going on. The representative was curt and offered very little assistance. I requested a supervisor who immediately inferred I was telling a lie. He insisted he did n't see my call on Saturday and that mysterious funds were in my imagination. When I told him I am not paying for something that I clearly had the funds to cover and that I would file a complaint he escalated to a higher office. I was told I would receive a call within 24 hours, it ; 's been 72 hours with no explanation or call. I have called several times and the matter is still not resolved. 

Additionally, I had paid my electric bill and knew the funds would be a problem because of the overdraft, so, I cleared the overdraft as not have any more issues only to be hit with another overdraft. I clearly had the funds available at the time. You are my only hope. Please help me. 

Thank you

Company response to consumer: Closed with monetary relief
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: I heard about the Equifax hack and was immediately worried. Today, XX/XX/XXXX I checked with Equifax 's new site used for people to see if they are impacted by the recent Equifax hack. I have confirmed that I am affected by the Equifax hack. 

I have not received any notification from Equifax and I find it absurd that I had to hear about this on the news. Now, I can not view my credit report as the service is not able to pull my credit report. I can not see if there have been any credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Medical) with ESCALLATE, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company contact my cousin at her home number and left a message stating that the call was in reference to a debt collection. I do not know where they received the phone number. I do not even know her home number ( only her cell phone number ). My cousin called back and they stated they were looking for me regarding debt collection. My cousin is very upset these people are calling her. I called the company and they are collecting a debt and have my cousin 's address. I have been staying there since XXXX 2015. I have never given any XXXX the number for her home ( again I do n't even know the number ). The fact that they called a number that is not listed in my name or even in a name with the same last name, a number I never provided them and left a message they were a debt collector and gave my name to my cousin is a breach of privacy. I have signed no XXXX party authorization and I did not provide the contact number they called. I asked the company to provide the paperwork I complete providing this number to them and they hung up on me. I believe they got the number from an internet search.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Applied a credit card for common use and travel reward through XXXX XXXX to XXXX XXXX. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.

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 non-monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have errors and inaccurate information on my Experian Consumer Credit Report. I have disputed these accounts as being inaccurate, and Experian had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested 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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UBER TECHNOLOGIES INC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX I was told that credit does n't matter good or bad, and the lease of the Vehicle would n't effect my credit. I was never informed that a hard or soft inquiry would be done. 

This vehicle was leased from Uber to drive Uber. I was told it would not effect my credit in any way positive or negative.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and 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 04-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Every month Wells Fargo started charging me XXXX  XXXX or more to have a free checking account. Ive been with XXXX and XXXX XXXX for over 20 years. I never agreed to begin getting charged for this. Did not authorize this charge or overdraft fees associated with this bank.

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 08-01-2016 about Debt collection (Medical) with Credit Adjustments Inc (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have disputed an account with Credit Adjustments by mail and they have not been able to provide validation of the debt. They sent me a letter with a bill, I asked for validation which they did not do and still put it on my credit report.

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 06/22/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Status of my Account reported to the XXXX credit bureaus XXXX not what was promised in my settlement agreement with XXXX Bank - Status currently shown as " Charge Off '', Settlement Letter Stipulates " Settled in Full '' XXXX XXXX Bank through its designated agent XXXX XXXX sent me a settlement offer stating if the amount requested was paid, my account would be " settled in full '' I paid the amount and met my side of the agreement. To this date, XXXX Bank is saying they do not have to report the status of my account as " Settled in Full '' I feel I have been defruaded by a bait and switch tactic taking advantage of someone just coming out of 4 years of unemployement due to the recession and trying to clean up the damage to my credit caused by unemployment ; offers to report the status positively as " Settled in Full '' to get the money and after recieving the money reneges on their agreement letterSee attached letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Closing/Cancelling account

Complaint: I received paperwork in the mail in an envelope marked as Chase bank about two months ago. It included a XXXX and an XXXX form. These forms were accompanied by a letter claiming that I needed to fill these out and return them to Chase Bank or my credit card account could potentially be closed. This all seemed very scammy to me so I called Chase to Verify. Long story short, I spent over an hour on the phone with about XXXX different people from Chase Bank. The first XXXX told me these documents were not sent by the Bank and that I should not fill them out and that my account was n't notated in any way that forms were required. The last person I spoke with said he recognized the forms and that they send them out for information verification but that my account was n't notated to need the forms. I was reassured by this person several times that my account would n't be closed and there was nothing further I needed to do. The organization and confusion level of this company astounds me. No one could verify that these forms were legitimately sent to me. Now here I am, two months later, with a closed account. I was never notified of the account closure. I used the card a week ago and noticed it was closed when I went to pay it yesterday. I did n't receive an email or any form of notification for that matter. When I called Chase to complain, I did n't even receive an apology. The person I spoke with informed that I received bad information from those that I spoke with at Chase and that my account was closed due to failure to send in the above mentioned forms. He also informed that the only way to get my account reopened was to mail them this information and continue to call and check on my account. He stated that they would n't be calling me and that I would personally have to push the issue. This whole situation is laughable and I would never have fathomed that JP Morgan Chase would have such pitiful customer service. I have never paid late on my account and have been a loyal customer for years. They should treat their customers better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Debt collection (Medical) with Midwestern Health Management INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX assistance for a XXXX with XXXX in XXXX XXXX Mo. When it was all done l received a bill for $ XXXXfrom northwest financial a company owned by XXXX. I went to thete office with my assistance they discounted. I made payment by check {$150.00} they avcepted. A week or so later they sent my check back to me refused payment said l owed more and was attempting collection. It is now on my credit report. I have all documents and the check l tried to pay but was refused. I do n't feel l owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor. 
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle. 
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: My home mortgage was with XXXX XXXX. XXXX sold it to Nationstar/Mr Cooper ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) and starting XX/XX/XXXX ( Ref. loan # XXXX ), I have been paying Nationstar. So far I have not missed a singly monthly mortgage payment of {$1800.00} since I owned my home in XX/XX/XXXX. 

I got into financial difficulties and found it difficult to pay the county tax in XX/XX/XXXX and I contacted the county office. Their advice to me was that, the county does not take action unless I fail to pay for 5 years and I should be more concerned about paying my mortgage payments regularly. I did not pay county tax due XX/XX/XXXX and XX/XX/XXXX.. 

For reasons not made clear to me, Nationstar decided to pay the county dues of XXXX and to that added my next year dues and mailed me a monthly payment requirement of {$5200.00} starting XX/XX/XXXX. 

I contacted my lawyer for help and he advised that the dues to the county are far too small to justify legal counsel and I am better off trying to clear the payment to the county. 

I paid Nationstar my monthly dues and {$1800.00} in XX/XX/XXXX and XX/XX/XXXX on time. Instead of applying it towards mortgage payment, they placed the payments in an unapplied funds account. 

I had applied for a loan adjustment. 

I tried calling them repeatedly and send them emails listing my intent not to proceed with the loan modification and that I will pay the {$10000.00} to Nationstar and future property tax due to the county directly. 

I paid Nationstar {$10000.00} on the XX/XX/XXXX followed by an email and voicemail detailing on how I expect the payments to be applied. 

Today when I logged on to their website, I see that they have applied all my payments towards 2 monthly payments of {$5200.00} ( for XX/XX/XXXX and XX/XX/XXXX ) and the rest {$3500.00} as Additional Principal. 

How can a person with financial trouble make additional principal payments. The behavior of Nationstar/Mr. Cooper appears to be predatory and deliberate to force me and my family to be rendered homeless. I suspect the reason for this is due to the fact that my home equity is more than double the loan amount owed. Please help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with DISCOVER BANK (WA).
Issue: Privacy

Complaint: Apparently in 2010 Discover Card was successful in getting a judgement for a debt owed by a XXXX XXXX - presumably a Credit card. I am XXXX XXXX XXXX I own property in State of Washington XXXX a lien for this debt was placed on my property. I do not now or ever had a Discover loan of any type. I am appalled that a Company through its attorney can place a lien on my property without due process. XXXX County Judgment is XXXX. I suspect the judgement and legal proceedings were served to the rightful XXXX XXXX but this individual does not owe the property that is being was lien. Atty on the complaint are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX This is all the information that County records gave me. I found out about this issue as it is creating a problem for me in refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
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: Citibank has not resolved my issue with ( 2 ) {$1600.00} charges to my card. The charges were made on XXXX XXXX, 2017. Citibank has investigated the matter and has said that I am not responsible for the charges. Since then there have been ( 4 ) more debits and ( 5 ) credits in the amount of {$1600.00} each leaving me with ( 1 ) {$1600.00} charge that all parties agreed I did n't make. There are also charges of {$110.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX both of which Citibank has not investigated. I first started communicating with Citibank on XX/XX/XXXX when I first noticed the charges. I have been calling their fraud department on about a weekly basis and finally sent a secured email where I got a response that my account was correct. I have since run a full account review of my card that I have had only since XX/XX/XXXX of 2017 and found that even with the incorrect charges on my account the balance Citibank says that I owe is incorrect. I have also found ( 1 ) instance where Citibank credited me an extra {$39.00} as part of a fraud charge. Right now my card balance and transaction history is a joke.

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 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recieved a letter from National credit in XX/XX/XXXX to which i sent a certified letter back to them which was signed for. I had asked for validation of the debt that XXXX XXXX claimed i owed. I have not ever done business with this company. He sent me a XXXX page copy of a lease that had no signatures on it and a agreement inspection report WITH NO DATES ON IT. this did not meet the required law for validation and has not been met to this date

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: On XX/XX/XXXX Citibank contacted me. Customer reference number # XXXX. They stated that I was enrolled in an optional credit protection and I was charged a monthly fee. This was never listed on my monthly statements. I submitted my claim and I was enrolled without my knowledge. On XX/XX/XXXX, I received a credit of {$1400.00}. They have not provided me with a statement of how they arrived to this amount. I can not obtain any additional information. I 'm concerned that XXXX XXXX and XXXX has the same business practice.

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