milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I received a letter from Citi listing account ending XXXX with Customer Reference # XXXX  regarding submitting a claim for a potential refund before XX/XX/XXXX, today.  I don't have an account with Citi and believe this is a scam of some sort.  Also listed is a Tracking Number: 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 01-11-2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (CT).
Issue: Account opening, closing, or management

Complaint: TD BANK HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. 
AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT TD BANK TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: This item [COMPASS BK XXXXAUTOMOBILE INSTALLMENT ACCOUNT] is erroneous and fraudulent since I never authorized, co-authorized, nor consented to this particular auto loan in the past. I am requesting that the item be removed to correct the information. I have highlighted the items that necessitate rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Auto) with Creditors Collection Service (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I cancelled an insurance policy with XXXX because they raised my policy more than double within a couple months with no justification.I called them on the phone after I already picked up CURE insurance told them I 'm cancelling and why they said it was cancelled at that moment we spoke. Next thing I get a letter I owe them XXXX and at the time I cancelled I owed them nothing They took their time dropping me from policy and expect me to pay for them when I already was paying CURE They put it as a collection on my credit report XXXX deleted it off my credit report but XXXX still has it on there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (I do not know) with KEYCORP (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Key Bank calls my home every day asking to speak to a person who I have repeatedly told them I do not know. I just got this number about 2 months ago, and I 'm assuming they are looking for the previous owner of that number. I answer every day, tell them I do n't know those people, and ask them to remove my number. They do not remove my number because they call back the next day. I called and attempted to speak to a supervisor, and they refused. I was then told I could not have my number removed unless I proved I was not those people. I have no intention of sharing my address, or any other personal information with them. XXXX just want the calls to stop. They are calling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Mortgage (Other mortgage) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX sold my loan through auction for XXXX % of it 's Unpaid Balance ( UPB ) on XXXX XXXX, XXXX to XXXX XXXX, with Fay Servicing servicing the loan. 

On XXXX XXXX, XXXX, Fay Servicing offered a Proprietary Modification that included {$74000.00} in Principle Reduction from California 's Hardest Hit Fund. 

The monthly payments were over XXXX % of my income, far above the HUD guideline of XXXX %, and I could not accept the offer. 

I had to insist, multiple times, that Fay Servicing evaluate my loan for HAMP, as is required by XXXX 's Non-Performing Loan Sale Requirements. 

Fay Servicing finally sent the HAMP Mod Docs on XXXX XXXX, XXXX. I faxed and mailed the filled out and complete HAMP application and supporting documents on XXXX XXXX, XXXX to Fay Servicing, with follow up documents faxed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Fay Serving acknowledged receipt. 

To make the monthly payments conform to HUD guidelines, a combination of Principle Reduction and HAMP modification is necessary. However, Fay Serving is saying that XXXX XXXX will not accept Principle Reduction money through California 's HHF, even though they offered a modification based on HHF Principle Reduction money of {$74000.00}. 

According to California 's HHF website and phone counselors, XXXX XXXX does participate in the Principle Reduction Program. 

XXXX Fay Servicing has stated that " XXXX XXXX wo n't allow for principle forgiveness. '' They will only accept Mortgage Reinstatement money from HHF. 

What is the truth? 

I am applying for HHF Principle Reduction again to assist in making my home payments affordable for myself and XXXX daughter. 

Also, since my loan was sold for XXXX % of it 's value, that means that the Unpaid Balance of my loan is less. How do I get a Mortgage Modification based on the reduction in my Unpaid Balance? 

Your help in resolving this matter is much appreciated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than XXXX time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX XXXX XXXX - ****************XXXX - XXXX OF XXXX XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, TransUnion ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A  summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.

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 02/20/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Clear Debt Solutions, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This business continues to contact my wife and I in reference to a supposed debt by her ex-husband. Neither my wife nor I are borrowers ( or responsible ) for this debt. They continue to contact me on my cell phone asking for my wife by her previous last name. When I do ask her to return their calls, they tell her they are calling her because she was listed as a " reference '' on her ex-husband 's delinquent payday loan. I have asked multiple times to not be contacted regarding her ex-husband 's debt. My wife has asked multiple times to not be contacted regarding her ex-husband 's debt. The first few calls they stated they would honor our requests and remove our cell phone numbers from their systems. Yet, within a few weeks we start getting calls again. Always to my cell phone number first. They called me again today ( XX/XX/XXXX ) and I explained that I am not the person they are looking for and to not call me again ( at which point the Rep told me this was the first time they had contacted me, that is a lie ). My wife called them back again today ( XX/XX/XXXX ) after I informed her I received another call and they told her they would not remove her cell phone number from their system until they were able to collect from her ex-husband. 
This debt is not ours, and they have confirmed this fact with her in previous calls, stating it was her ex-husband 's delinquency ( which I would think would also be a violation of Privacy Laws ). 
We can not make her ex-husband pay their client and we demand to stop receiveing calls regarding his debt. If they believe she is somehow responsible for this debt, then we request this in writing in accordance with the FTC guidelines under the FDCPA. So far, I have no indications that she is responsible for this debt, they have not told her she was responsible for this debt, and I certainly am not responsible for this debt. Please investigate this company as it appears they are operating in violation of federal regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with BARCLAYS BANK DELAWARE (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Today marks the seventh call I 've made to my mortgage com pany - Loan Care -  in regards to my  XXXX  taxes not being distributed. Per our contract, all of my taxes are included in the lump sum mortgage payment I pay each month. I received a " delinquent notice '' from  XXXX ,  XXXX ,  XXXX   XXXX  explaining my  XXXX  taxes remained unpaid. I called  XXXX ,  XXXX ,  XXXX   XXXX  back in  XXXX , with confusion, since I understand the agreement between Loan Care and me and my husband as the owners of the property.  XXXX ,  XXXX ,  XXXX   XXXX  assured me they did not receive any payment from Loan Care ; however, they did confirm that they sent them a bill  to Loan Care [ for  our  XXXX  taxes ] back in  XXXX  of  XXXX . When I called  Loan Care c ustomer service, they did not deny they dropped the ball ( and confirmed they would get the taxes pai d (  {$3000.00}  ),  which includes the penalty and service cost. I emaile d Loan Care  again on  XXXX   XXXX ,  XXXX  and I received no resolution. I called again on  XXXX   XXXX ,  XXXX  and spoke to a  manager  named, "  XXXX  '' who assured me our taxes would be paid that day, and she would send me a confirmation email with the breakdown. That never happened, so I called the direct number  XXXX  originally provided me on  three d ifferent occasions, and I got a machine message for "  XXXX  '' (  XXXX  either lied about her name, or she pawed the responsibility on to  XXXX   ).  Nevertheless,  XXXX  nor  XXXX  have yet returned my calls. Today, yet again, I hung on the phone for ov er 15 min utes, and when I asked to speak to  XXXX ,  XXXX , another customer service rep, hung up on me. I called back AGAIN, and spoke to another customer service  manager  named,  XXXX , who advised he could n't help me. It is now  XXXX   XXXX ,  XXXX  and there is a lien threatened to be placed on our home, as the taxes still have not been paid. This is outrageous!!!!! My husband and I are the innocent party and are being treated like criminals all because of this unorganized, lying, lazy mortgage company!     Aside from the frustration for the people working there who make continuous false promises,  Loan Care has breached our contract wherein they are legally responsible for correctly distributing our tax money.       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 03/22/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The Mortage company failed to pay off my taxes in XXXX XXXX. I sold my home in XXXX XXXX, XXXX. The Mortage company Faye Servcing added on $ XXXX worth of fees on my account. Refused to tell me what they were for. To date the company is refusing to call me back, or follow up with me about my Escrow Refund of almost {$1000.00} I call them almost everyday for the last two months and only thing they said was the check should went out XXXX XXXX, XXXX but its just sitting there we will follow up within 48 hours and get the refund out to you. Now overtime I call they tell me they have to transfer my to my old rep or a supervisor who I also spoken with in beginning of XXXX who both stated they would get back with me within 48 and to date no money no refund. This company needs to be sued and I am further turning to over to an attorney for results and the way that I was and have been treated unfairly and violation of federal laws they have. broken to me. property address XXXX XXXX ga XXXX My account manager is very rude and sarcastic with me when I call. They just dont give a care

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: Our American Express/Jet Blue credit card was re-assigned to XXXX. We have elected not to enroll with XXXX but instead to enroll elsewhere. American Express is now denying us access to our card statements ; we will have to enroll with XXXX to view them, at a cost of {$40.00}. Apparently we were warned in our XXXX statement that we would no longer have access to our records, but did not see the warning. It will be difficult to file our taxes without access to these financial records. Apparently Amex would like us to pay off the balance of our card without being able to verify the amount owed.

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 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am filing this complaint because XXXX Experian, XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have fone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: This is a closed account. I charged only {$200.00} and have paid {$230.00} this company refuses to completely close this account and now theyre telling me the balance on the closed account is XXXX and after the XX/XX/XXXX of each month they will continue adding late fees and interest on the closed account. At this point they are charging late fees and interest on late fees. They refuse to close it out completely and remove these absurd fees they continue to add to the closed account. I would like for them to close this account completely and remove those fees. I have paid them all I owe them.

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 10/14/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My private student loan ( through XXXX XXXX ) defaulted in XXXX 2014. I had lost my job in XXXX 2014, and I explained this to them. The loan was eventually bought by TransWorld Systems. I have a payment arrangement with TransWorld - {$100.00} a month is automatically deducted from my checking account. This arrangement has been ongoing for over a year. For the past month, I have received repeated calls from TransWorld - a XXXX XXXX. Sometimes he leaves a messages ; sometimes he breathes into the phone. I want this communication stopped. XXXX XXXX previously suggested I borrow the money to satisfy the debt to TransWorld. Numbers he has used are : XXXX ; XXXX ; XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I recently received a letter XXXX dated XXXX XXXX, XXXX ) from XXXX XXXX XXXX informing me that I was being automatically upgraded from a XXXX XXXX to a XXXX XXXX unless I opted out by XXXX XXXX. It took XXXX minutes online ( website refused my card information which was copied directly from the card and then technical support tried to tell me that the website in the letter was the wrong website ) and on the phone to opt out XXXX which I successfully did XXXX. My issue is that I do n't believe companies should be able to unilaterally change a credit card from XXXX type to another ( from a store card to a XXXX XXXX and require consumers to opt out. I think the company should make the offer and let consumers opt in.

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