milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi through Citi 's online messaging tool and the representative confirmed that I had met the requirements and that I would receive the points, and to call back if I had not received the points by XX/XX/XXXX. Since then I have called back for three consecutive weeks in XX/XX/XXXX and was told they are looking into it and there is nothing they can do in the mean time. They are delaying my requests which is costing me additional monthly fees ( I have now been charged {$60.00} worth of fees ) for the account. I am requesting that the XXXX miles be posted to my Aadvatage account and the {$60.00} in monthly fees be credited to my account.

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 03-07-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: I paid off my credit card per our agreement, but the bank continued to automatically charge my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried disputing this address off my report two years ago. 

XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 01-06-2017 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I mailed per Cardinal Financials website, a PMI removal letter with 1 day old Comps from a local realtor who has sold a few homes in my subdivision in the last 2 months, selling for prices that show my home has over the 25 % equity need to remove PMI. This was mailed XXXX, I never received a response from them, after chatting with an agent of theirs on XX/XX/XXXX, they said I wont be able to remove it without an appraisal from their Very Own appraiser, paid by me, and She advised me that I am not to use my own certified NC appraiser of my choice. No document I signed shows this specific requirement, and I do no trust Their appraiser to have my best interest at heart, and feel this is just another way of keeping PMI on my account use vague tricks that help them make more money from consumers. I live in the XXXX Hottest real estate market in XXXX NC, the comps show a average selling price of over {$81.00} per sq ft, up yp {$100.00} per sq ft, my balance is {$130000.00} i have an extra garage, exceeding the realtime comps, and my home is XXXX sq ft. The math does n't lie, I qualify for PMI removal, but Cardinal Financial doesnt want to remove it. I would appreciate any assistance you can provide in ridding PMI from my loan .. 
Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed this directly before, not thru CFPB. 
I attached my Equifax report from XXXX XXXX and then XXXX XXXX I also attached the XXXX case again regarding reporting status. 
Equifax " reverified '' the XXXX account, that 's fine, all they did was drop some of the reporting history from XXXX. Under XXXX, you ca n't report information during my Chapter XXXX even " status '' 1- Date of first delinquency XXXX, what do you think? does it match reported payment history? - all XXXX 's leading up to that date, maybe they are n't sure what XXXX '' means on their report? 
2- Date of last payment- again ca n't be during the Chapter XXXX XXXX Date closed- again ca n't be during the Chapter XXXX. 
Case Law and FCRA, seem like they have simple rules to follow, but then who really does that anymore? 
The XXXX XXXX account is simply the " status '', It is not a " charge off '' they sent me a settlement letter and I sent them a check. To be accurate, it would say 'settled for less than full balance. The current status indicates to anyone reviewing my credit report, that I simply ignored XXXX XXXX, when I found work again, I paid them what they asked.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: yes i worn a law suit against chase mortgage i recieve my deeds full owner ship a year ago and they have ohold on me my credit all credit beau they surpose to had clear that please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CFPB Complaint Number XXXX I had an account with XXXX for phone service. Coverage was terrible, as I travel around the country as a delivery driver. So, we discontinued our service with XXXX and went to another cell phone company. My spouse was making monthly payments towards the debt. When we purchased a home a blemish was reported on our credit report of an outstanding balance owed to XXXX. The spouse paid this amount and a little over a year later another collection agency tried to collect a higher amount owed to XXXX from us. I have a letter from the XXXX collection agency stating the amount was collected, but they had failed to forward this information to XXXX during a phone call with them. I have attempted to get copies of all statements from XXXX for a time period from XXXX XXXX through present date while on the phone with a representative. That has failed. I am mailing a letter to Customer Relations requesting the statements on XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am not able to make my payments. My interest rates keep going up, which causes my payments to keep going up, even though I have contacted AES ( American Education Services ) multiple times over the years that I can not afford the payments. I have literally been told that I have to just make the payments " or else. '' Even if I paid 100 % of my paychecks I would not be able to catch up on past due payments as there would be less than {$100.00} left at the end of the month after making the base payments. Their website, depending on if I log onto their mobile version or the desktop version, will show me two different total amounts due for the month. One will show the past due amount, which is the mobile, and one just shows the two monthly payments combined and nothing else. I have emailed them at least twice about this issue, and have not gotten a reply to the second email, but on the first time trying to report the issue they stated that I should just know how much to pay even if the website is n't showing me a correct amount. I have been told, repeatedly, I do n't qualify for any assistance in payments. They used to have a 3rd party called XXXX XXXX try to help for people who are behind, but they are no longer communicating with them so I can no longer get assistance that way. My cosigner, who is my dad, can not help me make payments. His job is at risk because I can not afford my payments. When I contacted AES on XX/XX/XXXX, the associate stated my interest rates were ridiculous, and because XXXX, the company that owns XXXX XXXX XXXX, has been found guilty of fraud in a Federal court, she told me to try to go through the fraud process with my loans as I have not been able to use my degree for anything other than clutter. Realistically, I do n't think my loans will be forgiven, even though the company was found guilty of fraud, especially since AES, going by XXXX rules, is n't able to help me even have lower payments to where I can afford to pay for an apartment/gas/food.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Auto) with HONOR FINANCE, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Honor Finance calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with CAVALRY INVESTMENTS, LLC (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. 
CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Other banking product or service) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. 
OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.

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 12/19/2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt in question was court ordered to be paid by my ex-wife, XXXX XXXX because she was the one living in the house, not me. I do not owe this debt, nor did I use any of the electricity I am being billed for. You may contact the XXXX XXXX Court house in XXXX Ohio to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a computer error in their system that violated the rights of their consumers under FCRA section XXXX. The computer error caused credit inquires to be deleted from my credit report and then after they realized the problem, they inserted all the inquires back onto my credit report without prior written notification. I have spoken to TransUnion however they are denying it and refuse to remove the re-inserted inquires on my credit report. I demand that all these inquires be removed from my credit report immediately as there was no written notice given.

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 08/15/2017 about Debt collection (Other debt) with Nagle & Zaller, PC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My home is located in an HOA that was managed by XXXX until XX/XX/XXXX. During their management numerous accounting errors were made which resulted in a $ 300+ balance that was turned over to Nagle and Zaller in XX/XX/XXXXfor collection. Specifically, these accounting errors were the recording of returned check in XX/XX/XXXX and the non-payment of dues in XX/XX/XXXX. After receiving this account, Nagle and Zaller placed a lien against my title for the $ 1600+ outstanding balance owed. I became aware of this balance upon attempting to refinance my home in XX/XX/XXXX. Over the course of the last several days I 've sent two cancelled checks showing that payment was made on this account in both XXXX and XX/XX/XXXX, effectively showing that there was never a balance owed and that this account should not have been turned over to the law office for collection. Further this proved that the lien that was placed against my title should have been immediately released as it was stemming from accounting errors on the part of their client, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called Cap One to dispute several inquires on my report that I do not recognize I was told they will update this info on all 3 credit companies including a company callwd XXXX XXXX but yet this keeps happening 1.XX/XX/XXXX -authorized 2.XX/XX/XXXX 3.XX/XX/XXXX 4.XX/XX/XXXX 5.XX/XX/XXXX 6.XX/XX/XXXX 7.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Account opening, closing, or management

Complaint: I received a letter ( dated XXXX/XXXX/2015 ) from HSBC Bank USA , NA that asked me to verify my current address and acknowledgement of my HSBC deposit account. I filled out the form, had it notarized, and mailed out the form on XXXX/XXXX/2015 to the address provided. However, two weeks later, HSBC claimed that they still have not received the form and that they have no knowledge about the status of the matter because they engaged a XXXX-party company to conduct the process. 

As a consumer, the only contact information that was provided to me was the XXXX customer service number of HSBC. I have no contact info about XXXX, the XXXX-party company that HSBC engaged, and HSBC refused to provide any further contact info. I have tried XXXX times and spent hours of my time talking to a number of HSBC associates, none of which, however, was able to provide any meaningful direction or assistance regarding this matter. I feel completed lost during the process, as the answers/responses provided by the HSBC associates are inconsistent and even contradictory. 

This is a time sensitive matter. According to HSBC, I have less than 30 days to respond ; otherwise the fund would be considered " abandoned ''. However, HSBC is not taking the appropriate steps to handle the case in a timely manner, and is not providing a cooperative way to work with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone open an account using my name and personal information. I am a victim of identity theft. The account is with a company by the name of XXXX XXXX XXXX. I want this information removed from my file.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced a mortgage that was help by PNC in XXXX. PNC provided the new mortgage holder with an unrealistically high payoff estimate and we asked them to provide a newer, updated estimate before closing but they refused. They were eventually sent {$830.00} more than was necessary to pay of the old mortgage in XX/XX/2017. We asked them to refund that to us by direct deposit into the same account that we had been using to make our payments for the last 10 years and they refused. They placed the funds in an Escrow account and said they would return it to us within 20 days. On XX/XX/XXXX the money was withdrawn from escrow and I was told in a secure message that it would be mailed that day. We still have not received the check and they are not able to provide any proof they have mailed it. There was no legitimate reason for them to hold the funds for 20 days and no legitimate reason for it to take an additional two weeks to make it to us through the mail. The only advice they have for us is to continue waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Federal student loan) with Cheadle Law Firm (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sued my XXXX University for XXXX loans. I loss the case due to an incompetent lawyer. But my complaint is against apposing attorney XXXX XXXX who represented XXXX. Atty.Cheadle has harassed me with illegal depositions and my best friend as well. I have filed with the XXXX which governs attorney 's. I have also filed a lawsuit against XXXX XXXX and Atty XXXX XXXX XXXX because she took a deposition illegally. The depositions are conducted without a Court Reporter. It is illegal as well to gather data from myself and XXXX XXXX. I have just filed a loan paperwork for falsified loans. In court I loss because my attorney did n't send the exemplars to the handwriting expert and Attorney XXXX asked the handwriting expert to go ahead and make a decision without my writings. My attorney sent them late and the Court had already made a decision. I am writing this complaint to complain about the harassment after the hearing. Cheadle Firm and Law has completely ignored the law and I do not believe that I am the only one the firm practices this unlawful acts upon. I am seeking help asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There was a XXXX committed on me by than spouse I filed XXXX in which manager of apartment complex served than spouse. My yearly lease was up month prior and I signed a one month lease informing manager I would be moving next month. So upon restraining order I moved. Than spouse and manager were in an agreement which I was not apart of that he was staying in residence. Than bill he actually owed fell on me when he could not be contacted 6 months later due to being incarcerated for another domestic violence on myself. I sent copies to form as proof. Than suddenly it showed on my credit report I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have received statements from Green Tree Servicing with conflicting account balances for the last 2 years. I have yet to get a correct statement from Green Tree Servicing. I have attached all of the documentation to prove that I have been making my payments and also that they have been calling my neighbors and informing them of the status of my loan.

Company response to consumer: Closed with explanation