milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I am complaining about XXXX XXXX/ChexSystems. OnXX/XX/XXXX I disputed some information with Chexsystems AND XXXX XXXX for what they reported me to ChexSystems and XXXX XXXX DID NOT respond to Chexsystems about my dispute. Again I filed with XXXX XXXX AND ChexSystems about my dispute. By the FCRA ChexSystems has 30 days to receive information from the institution of what I did wrong. XXXX XXXX  NEVER ended up writing to chexsystems and on XX/XX/XXXX since 30 days was on a Saturday Chexsystems REMOVED information from XXXX XXXX what they reported. 2 more extra months went by and on XX/XX/XXXX I get a letter from Chexsystems ( 3 months after ) that " since that time, the source of the information has certified that the information is accurate, therefor, it has been reinserted into your consumer file. BOTH companies are breaking the FCRA since XXXX XXXX DID NOT respond to me after I filed a dispute to them directly nor did they respond to Chexsystems. It was over 82 days when they reported my information back to chexsystems and they are now reporting it.

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 10/13/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My attorney and I have been trying to get a payoff amount for my mortgage since XXXX XXXX, 2016 and can not get Santander Bank to give us one. I am about to lose the sale of this house due to their incompetence and I need some help from you to obtain the numbers I need.

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
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (IL).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Hello, I signed up for a Citi XXXX XXXX XXXX credit card in XX/XX/XXXX because they advertised a promotion where if you spend {$3000.00} in the first 3 months and pay it off, you get XXXX miles. They allegedly sent me the card a few time but I didn't receive it until XX/XX/XXXX. Once the card was in my hands I met all of the requirements. A few months ago, I noticed that those points still hadn't hit my account so I tried to rectify this. 

The first Citibank Representative I spoke to ( XX/XX/XXXX ) told me someone would call me back later that day after investigating my situation. No one called back. A few days later, I spent over an hour on the phone - being passed from person to person explaining and re-explaining myself. The final woman I spoke with told me that I am not seeing the points because I technically applied for the credit card 6 months prior to actually receiving it. They told me that I would get an answer in the mail within two weeks. The letter finally came ( issued XX/XX/XXXX ) and I was denied the promotion that they advertised. Giving them one more chance to redeem themselves - I decided to call again today ( XX/XX/XXXX ) and climbed to the top of the latter and spoke to a Supervisor. He told me that they didn't see the " offer '' under my account. It didn't matter what I said. 

I am extremely frustrated because I would not have signed up for this credit card had it not been for this promotion that is literally posted everywhere on the internet. This is a terrible company if they can not follow through with their promotions, deceptions and false advertisement. 

I am planning on canceling my credit card if this is not rectified in a timely manner.

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 03/31/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America - Acct XXXXXXXXPrevious Complaint # s XXXX, XXXX, XXXX, XXXXXXXXOriginal HAMP loan paperwork was sent to me that included the name of the original co-signer on the loan. The original co-signer holds no interest in the property, it has been quick claim deeded to me 100 % and the XXXX XXXX XXXX XXXX office shows only my name on the deed. The loan re-modification did not take into consideration the co-signer as to income and only my information was utilized. Final contract papers were sent to me in my name solely. However, recent mailings with regard to current operational aspects of the loan continue to contain the previous co-signer 's name. In a verbal conversation with XXXX XXXX on XXXX XXXX, 2015 at XXXX, I was told that : 1. Despite my sole signature on the current loan documents where I accept 100 % responsibility, the original co-signer would still be on the loan ; 2. XXXX XXXX in effect admitted to me that Bank of America had no intention of ever removing the second borrower from the loan, I told him what prior verbal agreements had been made and he assured me that I was incorrect and past information had been misrepresented to me as he had the correct answer and that despite what I signed he would only be removed if I refinanced the loan. This, therefore tells me that the paperwork I have been requested to sign is a willful misrepresentation of fact designed to get my signature and finalize a fraudulent modification. In prior conversations with past customer relationship manager XXXX XXXX a representation was made to me that upon completion of the final loan documents ( that hold my signature alone ) the original co-signer would no longer be on the loan. A verbal agreement was made on more than XXXX occasion and now I am being told something completely different. Bank of America has willfully misrepresented their position to me in an effort to obtain my signature under the guise of the loan modification, tendering only my name and not that of the original co-signer as agreed to by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my loan to Ocwen Loan Services , LLC and ever since they have had my loan I have nothing but issues. I do n't get monthly statements, I ca n't understand my customer service rep., I never get a call back if I leave a message, I have to call back multiple times if I requested documentation, the IRS forgave {$50000.00} off of my mortgage and I found out 3 months later from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I made my XXXX 2017 payment in XX/XX/XXXX. I noticed it never came out of my account so I contacted Discover Student Loans and was told by written correspondence and over the phone twice that my payment was not received and to check with my financial institution. I called in again and tried to make a payment over the phone, despite the fact that I was on hold for twenty minutes, Discover was unable to make the payment and told me to call later. I work and do n't have time for twenty minute calls like this. At the same time, Discover has taken away my ability to make on-line payments. I contacted Discover in writing again and again was told that the late payment was my fault and that my interest rate has gone up because of it and that on-time payment benefits have been cancelled. Now today, XX/XX/XXXX, the XX/XX/XXXX payment has finally come out of my checking account from two weeks ago and I called the number on the letter that Discover sent me and I was told that was the wrong number to call ( again ) and that the department that needed to help me was not available because I called too early. The letter did n't list a time to call. In fact, the letter says that help is available 24/7 but no one on the phone or on line has been able to help, everyone has insisted this is my fault even after they now have my money which proves I made the payment. It 's a lot of hassle and makes absolutely no sense. I do n't have time to call Discover all day long to try to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a complaint regarding your ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX    XXXX    XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on  XXXX   XXXX ,  2017 , I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got stuck, it swallowed my card inside of this machine, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase 's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They suggested me to wait 15-20 minutes to wait for this sta ggered machine to return the card to me.     I had an hair and massage appointment, thus I tried to cal l Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I had to wait at mall for 20 minutes, missed my hair a nd massage appointment to get my debit card back.     I complained to m all manager about this horrible experience, the mall manager t old me that this is not the mall 's problem. It is Chase provided bad ATM machine, they had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUTN OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while , and Chase  failed to check into this regardless multiple customers experience hassle and difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have auto-pay set up with Navient for monthly withdrawal from my checking account. However, they did not withdraw money on the month of XX/XX/XXXX and XX/XX/XXXX. I called Navient and they stated that the money did not get withdrew due to the holidays. Now I am paying an increase of {$6.00} and I believe it is not longer a 120 months pay schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please look my previous cases I filled with the CFPB XXXX XXXX Chase Credit Card instead to assist me or look for fair viable solution has choose to fight it in sending me some documentations These documentations has opened another 's possible Violations to the Consumer Credit Protection Act due to the fact I 'm not aware of signed Agreement between Chase and myself, as a consequence of it, at this time I would Like to dispute the whole amount owed on this account due to Chase 's Representative response letter to the previous case I 'm Attaching it hereto. In the letter she mentions " AS PER ENCLOSED COPY OF YOU CARD MEMBER AGREEMENT '' Since she mentions an card member agreement, my understanding in an agreement it must be a signature of the 2 parties. At this time I 'd like to ask CHASE thru the CFPB to produce any agreement that I signed with Chase on this Credit Card.Because I was not aware of this agreement until now when Chase responded to my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Auto debt) with Caliber Home Loans, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: I have ACH debits pending for my business savings account that are posting today. When I tried to transfer funds from my business checking to my business savings, Chase would not allow me to transfer the money to cover the debits, even though I had more than enough available funds in my checking account to cover the transfer. When I called customer service, they instructed me to go into the branch and physically withdraw cash from my checking and deposit it into my savings. I had to take off of work to go to the bank and was still unable to initially withdraw the funds from my checking account in this manner. I was told that since I have Overdraft Protection, Chase 's system put a hold on the funds and would n't enable me to initiate the transfer. After nearly an hour, the customer service rep in the branch finally removed Overdraft Protection from my account and was then able to make the transfer. Chase prohibited me from transferring the funds to cover my pending ACH withdrawals on the day that debits were posting and had I not gone into the bank, I would have been hit with a series of Overdraft Protection Fees through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: debt is past 7 years statues of limitations and should be removed from credit bureas

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (VA).
Issue: Taking out the loan or lease

Complaint: We never applied for credit at Pay Pal Credit! They opened up an account in my name without my approval or submission of an application! I believe that this is a fraudulent practice XXXX! I have research suggesting this is a common practice by them! I need the account closed and the credit inquiry reversed!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IC SYSTEM COLLECTIONS REPORTING THAT I OWE THEM A DEBT. I SENT 3 REQUESTING NOTICES FOR VALIDATION OF THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.

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 06-12-2017 about Mortgage (Other type of mortgage) with M&T BANK CORPORATION (PA).
Issue: Closing on a mortgage

Complaint: The compan y is M & T Ban k. They are not any other similarly named banks but they do have addresses i n four differ ent states and/or cities. I have what I believe they designated as a commercial loan notwithstanding the loan is in my individual name. I sold my property on  XXXX   XXXX  and am scheduled to close  XXXX   XXXX . All closings take betwee n 30 and 45 days to close. I got the payoff letter today from the attorney closing the transaction. M & T Bank is refusing to release my tax escrow saying that they will " handle that separately '' af ter the closing. They also charged me  XXXX  for not asking for the payoff letter 60 days ago. Neither of these practices comply with standard banking procedures. Since I have to give the tax escrow to the buyers at the closing and it is almost  XXXX  I will be out approximately  XXXX  all together and will be at the mercy of this " bank '' if and when I get my tax escrow back. I anticipate further bogus fees in that regard.

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 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NATIONSTAR MORTGAGE (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I REQUESTED MY LATE BE WAIVED BECAUSE MY PAYMENT WAS NOT POST MARKED LATE. THE MANAGER XXXX XXXX, CALLED ME AND TOLD ME NO. I ASKED FOR SOMETHING IN WRITING THAT MY REQUEST WAS DENIED. I WAS TOLD NO. I ASKED WHY DID I NOT GET A LATE FEE FOR XXXX, SHE WOULD NOT ANSWER. THEY HAVE NO MAIL REPECTICAL AT THE ADDRESS. THIS IS WHY MY PAYMENT WAS LATE. MY PAYMENT WAS NOT POST MARKED LATE. THEY ARE CHARGING A XXXX DOLLAR LATE FEE AND EVICTION DUE MY PAYMENT BEING RECEIVED ON THE XXXX INSTEAD OF THE XXXX. THEY WERE CLOSED ON THE XXXX AND DO NOT ACCEPT POST DATED CHECKS

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Asset Management, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid directly to XXXX, under a separate account and bill was sent to my home directly.i was told by XXXX that I could n't put XXXX in my home unless I made payments on the outstanding cell phone bill so for months I paid XXXX XXXX bills to satisfy this debt. I have called XXXX and pinnacle the company who has account and have gotten no where. I need this off my credit report as I do n't owe it. 
Thank you

Company response to consumer: Untimely response
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help.

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