milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I GOT APROMOTION AND IT WAS A WEBSTER BANK BONUS OF XXXX OR XXXX DOLLARS DEPENDING ON WHICH REQUIREMENTS YOU COMPLETED AND COMPLIED WITH.EXHIBITS SHOW WHAT THEY WERE AND SIMPLY ONE HAD TO OPEN ANY TYPE OF CHECKING ACCOUNT AND EITHER HAVE A DIRECT DEPOSIT, HAVE XXXX DEBIT TRANSACTIONS, OR XXXX BILL PAY FOR XXXX.IF ONE WISHED YOU COULD HAVE A FULL SECOND AVERAGE MONTHLY DEPOSIT OF XXXX FOR XXXX XXXX CARD BONUS MAILED IN 4 TO 6 WEEKS AS THE WEBSTER BANK PROMO PAGE SHOWS AS AN EXHIBIT..OR FOR THE FULL SECOND MONTH HAVE AN AVERAGE BALANCE OF XXXX AND RECEIVE AS ABOVE XXXX BONUS IN THE SAME TIMETABLE. 
I, AS MY BANK STATEMENTS SHOW, MET ALL REQUIREMENTS FOR THE XXXX BONUS BUT NEVER RECEIVED IT.TO MY SUPRISE AND SHOCK I DID RECEIVE A XXXX INTEREST STATEMENT, AS WELL AS THE IRS GETTING A COPY, THAT I GOT OVER XXXX DOLLARS IN INTEREST.I NEVER RECEIVED THAT AMOUNT, PERIOD, AND IT IS TOTALY INCORRECT AND HAS TO BE REDONE.MY TOTAL INTEREST AS MY BANK STATEMENTS SHOW WAS XXXX CENTS, PERIOD.I HAD PROBLEMS OPENING THE ACCOUNT, NOT WITH THE FIRST PERSON I TALKED TO, BUT, THE CONFUSED SECOND PERSON, AND HE FINALLY APOLOGIZED AND HIS NAME AND A RECORD OF THE SITUATION AND WORDS IS INCLUDED IN AN EXHIBIT. I BEGAN BECOMING APPREHENSIVE AT THIS POINT, BUT WAITED TO SEE WHAT WOULD OCCUR AFTER I COMPLETED ALL REQUIREMENTS, FOR THE {$250.00} BONUS WHICH WAS DUE ON XX/XX/2016. THEY STATED IT WILL BE IN 4 TO 6 WEEKS .NEVER GOT ANYTHING AND CALLED AND WAS PROMISED AN EMAIL THEY SUPPOSEDLY SENT TO FIX THE PROBLEM AND NEVER GOT THAT EMAIL AS I REQUESTED OR ANY RESPONSE AT ALL.I THEN SENT ON WEBSTER SITE, AN EMAIL THAT IS AN EXHIBIT AND WAS CONFIRMED THEY GOT IT AND STILL HAVE NOT HEARD A SINGLE SOLITARY WORD OF ANYTHING TO DO WITH THE BELATED BONUS OR THE INCORRECT XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has been harassing me on and off for the past few years to pay a debt that is not mine. I have communicated this numerous times to XXXX XXXX and the various debt collection companies they use ( most recently Jefferson Capital Systems ). They fail to offer any evidence that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (NE).
Issue: Unauthorized transactions/trans. issues

Complaint: I attempted to use the card for an online purchase. Vendor rejected the transaction because my address did not match the address provided by the gift card company. While the transaction was rejected, funds were deducted from my account and not available to me. I phoned Omnicard and they confirmed the funds were in a pending status, unavailable to me, and would not be available for 6 days despite the fact the Omnicard also acknowledged the transaction was rejected ( immediately ). This process is designed to impede transactions, making it more likely that Omnicard benefits from their time-based fee structure, harming their customer in the process. In addition to filing this complaint, I will share my experience with my large employer ( XXXX employees ) and encourage them to discontinue their relationship with Blackhawk/Omnicard.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I logged into my Navient account on their website. I was setting up a budget for the next year and I noticed my balance due is approximately {$18000.00}. This balance is for 3 private student loans I have through Navient. I had received these loans in XXXX XXXX, XXXX XXXX and XXXX XXXX. My original loans balances ( added together ) was approximately {$19000.00}. As of this date my loan balance is approximately {$18000.00}. In XXXX, I was paying a payment of approximately {$450.00} ( 3 months ). That dropped to {$130.00} ( for 2 months ). It was then raised again to {$230.00} ( 18 months ). Then my payment dropped to {$180.00} ( 18 months ). Then it raised again to {$210.00} ( which I  have been paying since XXXX ). Navient states that my expected pay-off date is XXXX. I was looking at the break down of the payment and how it is applied. I am pay way more toward interest then I am toward the principal every month. One of my loans balance started off at {$5500.00}, its balance is now {$5400.00}. And I have been paying on that loan since XXXX. Another one of my loans original balance was {$7000.00}, and its current balance is {$6800.00}. Again I have been paying on this loan ( the longest ). My 3rd loan original balance  was {$7000.00} and its current balance is {$5700.00}. I understand that I have somewhat high interest rates ( 12.875 %, 11.75 %, & 10.375 %, respectively ) and my rate is variable, however I feel that my balance should be decreasing more. I had contacted Navient in the past about difficulty making payments. I was set up on payment plans that last approximately 18 months. But again my INTEREST payments are greater than {$150.00} but my principal payments are usually less than {$65.00}! I was also charged a disbursement fee of {$210.00} on my 1st loan in XXXX. I have several principal payments that are less than {$20.00}, but the principal payments were greater than {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I 'm tying to open and account but they will not let i do n't no what is wrong i do n't own no one 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 explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX employs accounting and money management processes that are designed to confuse their customers and allow them to collect late fees because of their own bad record keeping and antiquated systems. 

On XX/XX/XXXX I emailed Douvenmuehle an inquiry about a {$1500.00} partial payment for XX/XX/XXXX payment that cleared my checking account on XX/XX/XXXX. Because I am paid twice a month I have to split my {$2300.00} payments to survive. However, the payment was nowhere reflected on my account through the online portal they grant access to and even after making the rest of the payment for XX/XX/XXXX my account still showed outstanding I received notices that I was late, even though I had made payments in excess of the minimum. 

Only after I called into the customer service center ( waiting on hold for at least 15 minutes ) and writing to the loan company I did my refinance through did I finally have a manager call me. Then 20 days later received a response to my email with a message that completely contradicted what the manager had told me and followed up in a letter. 

It turns out that when early payments are submitted, they create a " suspense '' account that the money is extracted from your account and placed into ( that I was unable to see and never informed of until I called and inquired ), and the only way money would be extracted from the " suspense '' account was for the customer to call in and ask to have the payment taken out and applied. But without being informed it was there or even seeing it reflected on my account how is a customer supposed to even know the account is there. And why are taking money from an account without authorization to do so. 

The servicer claims they have the inability ( it seems more like an unwillingness ) to allow consumers to make multiple payments on their loan within the same month. This has been shown to reduce compounded interest and expedite payoff, but also is just good service because the payments are large and need to be broken up. 

The issue came up again in XX/XX/XXXX when my XX/XX/XXXX payments were n't applied, even after the manager said he added a note to my account. This time, if I had not identified it and called to complain they could have jeopardized my homeowner 's insurance policy. Since the insurance payment is factored into the escrow, not having sufficient funds could impact payment going out. 

Then when payments are applied they are n't even on the actual dates they 're received. in one case in was weeks past the date it cleared my account. 

Not only do they have the potential to ruin your credit, they end up stressing you out over something that should be granting you reassurance. I 've asked if some other lender, even the lender for my other property, could just buy the loan from this company because I hate this experience. It 's been a horrific experience that I have never dealt with in over 3 decades of paying creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Student loan (Non-federal student loan) with Texas Guaranteed (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: On XX/XX/XXXX I signed for a XXXX loan for my daughter with Texas Guaranteed. in XX/XX/XXXX I filed Chapter XXXX in Mississippi and claimed TG as a creditor which they filed a claim for {$10000.00} which was paid in full and my case was closed in XX/XX/XXXX. I have received phone calls from TG that I now owe them an extra {$4000.00}. The case number from TG is XXXX. My attorney explained to me before filing that creditors would file what I owed them and once they were paid that debt was over. Desired solution is have them quit calling and recognize this is a settled debt by The Bankruptcy Laws. They are also not to affect my credit scores or report in any way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX email- XXXXXXXXXXXX Texas Guaranteed case - 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 08-04-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CT).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for an FHA loan with XXXX XXXX. That certain bank does not do FHA loans in-house so they had to use quicken loans to process the loan. The bank also told us they do not order an appraiser unless we are approved for the loan because they will charge us and do n't want us to pay if we did n't get approved. Well an appraisal was ordered and the guy came out a week later. Come to find out we did n't get approved for the loan and they did n't charge us for the appraisal but we still should have the right to a copy of it. I hope you can help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I recently received the attached letter stating I have an overdue ( first letter I have ever received ) rental fee on a safety deposit box. I do not have keys to that box and have been divorced from the other person for 13 ( XX/XX/XXXX ) years. I have quite a few issues with this. 

1 ) Who has been paying for this box for the past 13 years? It has not been me. 
2 ) I do not have a safety deposit box anywhere 3 ) Why am I getting a letter with a late fee if I never received a letter before? ( States it was due XX/XX/XXXX ) 4 ) I have nothing to do with what he has in that box nor do I care to know 5 ) The other owner has left the country from what I can tell via social media and I refuse to be saddled with anything associated with him, I do have tax documents ( along with divorce records ) and could get you his SS to help track him 6 ) I will send you my divorce records if needed or have my lawyer contact you 7 ) I 've been told that my current name and address were found because I again have an account with Chase 8 ) I was an employee until XX/XX/XXXX when I was laid off, at that time I changed banks and after a few years returned to Chase XX/XX/XXXX. 

My issues with the branch are : 1 ) Inconsistent answers from XXXX different people on XXXX different days 2 ) Did n't take down the name of the gentleman from Wednesday but he said if I came to the branch I could take my name off the card and be done with the issue 3 ) When I spoke to XXXX at the branch she told me it does n't work that way and I 'm still responsible 4 ) I was also told there were no branch managers available either time I called and no one has gotten back to me I refuse to have this reflect my credit as a bad debt of any type nor do I feel responsible as I know you will not be able to find the other person who probably threw the keys away. It got that way at the end of the relationship so I would n't put it past him. 

Please have someone contact me to get this issue resolved as soon as possible. 

I appreciate your assistance. 

Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On   XXXX   XXXX   XXXX     at approximately  XXXX  I called Navient customer service to inquire why my account was showing a past due balance and all payments have been made. I 'm on an income-based repayment program and based on a letter I received dated   XXXX     my current plan is effective through   XXXX     and my renewal of plan was approved. Customer Service Representative  XXXX  (  XXXX  ) reviewed account and provided misinformation, stating my plan expired in  XXXX . I read contents of letter and continued to receive misinformation, then requesting to speak to a supervisor. I was on hold for excess  of 40 m inutes, intermittently told that no supervisor was available and that same customer service rep continued to talk and place me on hold. After insisting I was finally transferred to a Supervisor  XXXX   (   XXXX   ) wh o informed that my plan expired and I had a higher payment for  XXXX , despite the letter I received indicated my plan was effective through  X/XX/2017   . The call continued with no resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Other

Complaint: Bank of America is reporting an adverse credit card account on XXXX XXXX which I was placed as an " Authorized User ''. I wish to have this removed from my credit file and not be an authorized user on this account. I would like this deleted immediately off my credit file on XXXX XXXX and any other credit bureaus they are reporting this to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Medical) with Account Recovery Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Thank you for your time. I 'm not sure who to turn to so I will try this in hopes it is the right place to go. I will write a summary and attach supporting docs. Many years ago I went through a really hard situation one which I hoped I would not visit again. In XX/XX/2012, I had an XXXX and went to see my original XXXX and she had me see XXXX who said my XXXX from the injury. I did not have the XXXX with him, I cancelled it because of the research I found on him, and because of my feeling after my contact from meeting with him and the offices follow through. He immediately sent a XXXX bill to a collection agency Account Recovery Services for a XXXX I did not have. After exhausting my efforts I had to hire a Lawyer in XX/XX/2012 to help me. The Lawyer sent a letter that asked them to respond in 30 days and that the services were not rendered and if they did n't respond we or assume this matter is closed. We never received a response. I have n't received anything from either party and many years have passed. Around the same time I had gone through a divorce and bankruptcy. Over the years I have worked really hard to rebuild myself and my credit to buy a house for me and my XXXX year old son. With hopes to get a house soon I recently viewed my credit report and saw this bill appears on it and should not. XXXX disputed it and Account Recovery Services will not remove it and say I still owe the debt. XXXX suggested I call and ask information on it so I did. They transferred me to my Account Rep XXXX and he said I still owe the debt for Services rendered and he confirmed he did have my Lawyers letter and that they do n't have to respond in the 30 days and that they still plan to collect. He said to have my Lawyer call. So I started researching everything again because of all the time that has passed. I found out that XXXX has passed away. That also since XX/XX/2012 a XXXX year old woman has died after his XXXX. Which reassured me I made the right decision and it made me extra grateful that I did not have him do my XXXX. I need help. I do n't know why after so many years have passed that they still say I owe for something I never received and that they plan to collect and did n't have to respond. Especially now that the Doctor is n't even alive. Please let me know what I should do and who I should contact. I really need help getting this bill off my credit report and making sure Account Recovery Services does not try to collect it now after 4 years later. Please let me know what other information you need. I really appreciate your time in reviewing my situation. Thank you so much. Warmest Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  Credit Card is reporting incorrect contact information on all   XXXX   CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX , Experian, and   XXXX   on  XX/XX/17   . All  XXXX  have responded as  " Verifed '' ac count information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my 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 10-02-2015 about Debt collection (Medical) with Alorica Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hospital attempting to collect charges beyond those that my insurance company has deemed allowable, based on their contact as a provider. This practice is considered " balance billing '' and is prohibited by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: No safe guards for my personal financial profile at Equifax- their data base hacked with my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (NC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The caller was very rude to my boyfriend with a " you have to make a payment '' today '' or else attitude. They spoke to him about my account, then asked for HIS private information including SS # and work info to collect on a debt that I may owe. I am sure they are not allowed to give information on my accts to other persons having nothing to do with medical or collection aspects of my life. It is " need to know '' information. They say they are about respect and counseling. This was not my experience ... well my boyfriend 's experience anyway. They told him everything and asked for his info. Improper. Now I question their legitimacy and the protection of my personal 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