milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I closed my checking account due to horrible customer service and the balance was supposed to be sent to me by mail or transferred into another account. Citi argued with me about my actual ending balance and later found out that my balance was in a holding account. I spoke with XXXX seperate managers XXXX - empl ID # XXXX and XXXX empl ID # XXXX who both reassured me they will handle it and I will receive my money. It has been over a month and I still do n't have my money.

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with BARCLAYS BANK DELAWARE (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX XXXX, I mailed two checks to XXXX XXXX XXXX to pay off my loan. One check was from my personal checking account and another check was from my credit union which loaned me the money to pay this loan off. On XXXX XXXX, my payment was due and they had not posted my payments sent via the mail so I made my monthly payment. On XXXX XXXX, my personal check cleared the bank but was not posted on my account and showing on the website. I started calling in late XXXX since they now have {$120.00} extra dollars along with the payoff. They claimed they could not find my checks. They created a case ticket - XXXX. They claimed then that it may take 10 days to locate the checks. They needed to research. I have called numerous times since then and they give me a different total on the days it takes to find my checks which they have already deposited on XXXX XXXX. On XXXX XXXX, I got a copy of both checks front and back showing they had deposited and faxed to XXXX with my case number. I called last week and they have found the checks but it can take 45 days to post these to my account. Another payment is due on this account and interest is piling up. I need someone 's help - they are not posting my checks and giving me my extra {$120.00} back. I do not plan to send them another payment. They acknowledge they have my checks but refuse to post them on my account. I tried to call their complaint line and it sends you to another division and they do not even have my records. Thank you for anything you can do to 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
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted information several times to Equifax regarding a  XXXX   XXXX  dispute but they still refuse to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Service Residential, Nevada, LLC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any invoices or notifications of this because they had my name and address wrong in their system. I paid my mortgage and condo fees on time every month. there was never an attempt to call me. I would 've been happy to pay a bill for {$240.00}. It does n't make sense that they would put a lien on my condo without contacting me. I am selling the property and going to settlement on XXXX XXXX and the condo Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be thrown out due to a lack of effective communication.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase denied all requests for assistance to help me maintain ownership of my home, I lost my home due to foreclosure. My savings depleted and I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: These people continue to harass me and threaten to garnish my wages. In the last month they have made me submit the same information to them 3 times and each time threatening to contact me place of employment to withhold my wages even though I was still in the 12 month grace period because I had been unemployed. I do not have money to pay these people and will have to quit my job because I will not have money for gas to get to work. The following is a breakdown of my current wages and expenses. This has been an ongoing issue with USA FUNDS AND XXXX XXXX XXXX. BOTH COMPANIES CONTINUE TO HARRASS ME AND SEND ME THREATENING CORRESPONDENCE THAT MY WAGES ARE TO BE GARNISH EVEN THOUGH I HAVE REPEATEDLY SUBMITTED DOCUMENTATION THAT I BEGAN MY CURRENT POSITION IN XXXX 2015. IN THAT TIME THE COMPANIES HAVE ATTEMPTED TO GARNISH MY WAGES 3 TIMES IN LESS THAN A YEAR. 
I CURRENTLY MAKE {$36000.00} AND MY TAKE HOME PAY IS {$1000.00} EVERY TWO WEEKS WHICH EQUALS {$2100.00} A MONTH. 
RENT : {$1000.00} ( 12 MONTH LEASE ) ELECTRICITY : {$140.00} PHONE : {$150.00} ( 2 YEAR CONTRACT ) CAR INSURANCE : {$150.00} CABLE : {$31.00} ( 12 MONTH CONTRACT ) GAS TO GET TO WORK : {$300.00} ( I HAVE TO UTLIZE MY VEHICLE DURING WORK ) FOOD : {$250.00} ( I UTLIZE THE LOCAL XXXX XXXX FOOD BANKS TO OBTAIN EXTRA FOOD DURING THE MONTH ) THIS IS A TOAL OF {$2100.00} I HAVE NO XXXX MONEY LEFT TO PAY ANYTHING! 

SINCERELY, XXXX XXXX ATTACHED ARE THE BILLS FOR ALL MY EXPENSES

Company response to consumer: Closed
Consumer complaint received 08/30/2015 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My HELOC was transferred to BSI in Pennsylvania in XX/XX/XXXX, they always messed up my payments, and recently I just called to get my rate information, to no avail. My loan is now transferred to another company. 
I need my rate information, as I feel they might have put it in wrong, and at 2.25 %, with all the payments I have made, my loan should have gone down substantially, which it has not. 
I have not been on top of this, as I have been taking care of XXXX friends who have XXXX, and the past XXXX years have gone by so fast. I just caught up with everything, and I noticed that the information they sent to the new company is off by 1 %, so I need to get the correct information from BSI. 
BSI sent me a print out, which I ca n't make heads or tails out of, and I have been in XXXX for over XXXX years. They seem like they are quite backwards as far as their computer system. 
I want to make sure they have the correct rate information, as my rate is always 1 % lower that the prime rate in the XXXX XXXX XXXX. I have made many payments over the monthly payments, which should have been going to principal, so I do n't understand how at the rate I am, that my HELOC has not really gone down. 
I would appreciate any help, as this is just snowballing, as BSI has sent out the wrong loan information to the new company XXXX XXXX XXXX in XXXX California. They have my rate as XXXX, and as indicated by the FDIC, which took over the bank I originally had the loan with, my rate will always be prime minus 1 %. 
I am asking for help in this matter, a $ XXXX loan that I started with in XX/XX/XXXX, should not be $ XXXX, I have made payments above the minimum payment, and always to principal. 
Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of 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 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hold times to get to a live person are outrageously long.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This item was taken off of all three bureaus under a different name, XXXX. It has been taken off of XXXX and XXXX. XXXX XXXX XXXX Account number XXXX. It is back after Transunion took it off before after I filed a complaint.

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 01-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: JP Morgan Chase continues to re-order transactions in their best interest to charge fees to my checking account. There have been several instances over the last 2 years where this has happened. In XXXX my account was charged nearly {$1800.00} in fees and in XXXX it was charged over {$2000.00}. During that time I received reversals of close to {$500.00}. However, that is not enough " good will '' to satisfy my as a consumer. In several instances, I have submitted payments originating from XXXX XXXX to be deducted from my account to coordinate with my Friday bi-weekly payroll. Chase will deny the transaction for insufficient funds when they are clearly available and charge a fee for a returned draft. Then, a few business days later, XXXX will resubmit, Chase will pay and then charge me for insufficient funds. Now, ive been hit for XXXX fees for the same transaction. 

Other transactions, such as XXXX they claim are recurring charges because XXXX " retains my card information '' and over the weekend charges are presented and then charged fees when deducted on Monday for Non-Sufficient Funds. I elect on Chases website to not allow overdraft from debit cards yet have been charged many times for debit card transactions. This is not explained in my cardholder agreement and I have been misled by this bank. Chase has been sued for charging fees before and without an agreeable resolution I will look to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Received notice letters stating condominium insurance had expired, that no renewal certificate was received, and that force placed insurance would be purchased at likely higher cost. In fact, condo insurance had not expired and will be in force for more than 4 more months. Required me to spend time with my insurance company and then with Nation Star Mortgage ( NSM ) in order to straighten this out. Was told that their system failed to update. That can not be correct as there was nothing to update ( condo policy was XXXX XXXX - XXXX XXXX effective dates ). What bothers me more than spending 45 minutes fixing a non-issue, is how difficult NSM 's phone system was. Their system did everything possible to keep me from speaking to a human being. By the time I eventually spoke to one, he was very kind and ( eventually ) helpful. I pressed " XXXX '' over and over much to the automated system 's dissatisfaction. Should n't it be easier to speak to a human being?

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I woke up this morning and had an alert from XXXX that chase had run my credit and placed an inquiry on my report today XXXX when in fact I never applied for a card. Please look into this and ask chase what the address was that was used. I did not ask chase to run my social. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: COMENITYCAPITALBANK/XXXX # XXXX XXXX XXXX XXXX XXXX , OH XXXX Date Opened:XX/XX/2017 An  account was opened in the above company under my name and with my information, a charge of under {$50.00} for a pair of shoe ( that show up on my front door ) The pair of shoes was returned with enclosed label on box, I did n't opened the account or ordered the pair of shoes, my husband was at the hospital at that time. 
COMENITYCAPITALBANK/XXXX has me as a delinquent for about {$130.00} I called several times and requested the account closed and all late fees reversed because I explained that I did n't do the purchase. 
This is an scam to get fees. 
Please help me to stright this out. If you go online you will see the all the reviews for this company, this is their modus operandi. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been repaying on my loans every month since my repayment plan kicked in after XXXX in XX/XX/XXXX. My original loan amount was around {$86000.00}. My original lender was XXXX, now Navient. My private loans are currently under forbearance due to cost. To date I 've paid close to {$60000.00} towards my loans and I 've only seen a decrease in my principle balance of about {$8000.00}. My currently monthly payment towards both fedaral and private loans totals {$750.00}. And they are currently on a 30 year repayment plan. One of my private loans has an interest rate of over 14 %. That 's almost a predatory level of interest for an education loan. I feel like I 've been completely taken advantage of with no one to turn to for help. I 'm literally bleeding money to this lender and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. 

On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. 

On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. 

This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. 

This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. 

Who was the original creditor on this account and what was the account number? 
What was the origianl amount owed? Complete deteailed Payment History? 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? 
What did you pay for this accountANDhow did you calclate the current amount owed?

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Other transaction issues

Complaint: I had sent {$1000.00} to repay my education loan in XXXX through Western Union. I made this transfer on XXXX of XXXX, 2016 ; However, they have not delivered my money yet as of XXXX XXXX, 2016. I have made tons of phone calls to customer care and I have never gotten any satisfactory answer 's other than wasting hours together during my day job. So, I made an attempt to track the transaction through my bank, On XXXX XXXX Western Union has sent the money through their partner Yes Bank to my bank. However, due to some technology transformations my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union! I have complete email details from the XXXX Bank who has deposited my money to Western Union Account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BOEING EMPLOYEES CREDIT UNION (PA).
Issue: Settlement process and costs

Complaint: Everything was fine up till closing, our lender BECU reported everything was " on schedule '' or even " ahead of schedule '', but missed the final disclosure deadline of 3 days before closing. At XXXX the day before closing, BECU contacted us requested a 15 day slide as they could not meet the agreed to date. After rescheduling utilities where possible, canceling family travel plans, and spending the intended closing day calling around BECU, final disclosure was agreed to be completed 8 days delinquent instead of XXXX and our appraisal fee would be reimbursed. 

The new final disclosure date was met, however the final disclosure documentation featured a significant increase in closing costs ( 33 % increase ) and cash at closing ( 39 % ) due to an error on BECU 's part ( for initial estimates they used 2 months for school taxes escrow, on final disclosure they used XXXX months, a {$5000.00} difference ). Since we are only 3 days from our new closing date, there is implicit pressure to accept these XXXX and so far all phone calls to management/emails to our officer have not been returned or acknowledged our concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Billing disputes

Complaint: Hi : I have a UPromise Master card which i used for a balance transfer on XX/XX/2016 for XXXX USD. Upromise made the balance transfer fine and i received money to my other account. But, they made another duplicate transaction to a not valid credit card and charged me XXXX $ for the balance transfer and XXXX $ for the transfer fee.

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