milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I signed up for a 7 day free trial for credit monitoring with Experian. That free trial was to end on XX/XX/XXXX. On the evening of XX/XX/XXXX I cancelled the free trial and removed my debit card information. On XX/XX/XXXX I called Experian and spoke with a young man who informed me that my account was cancelled and no credit/debit card information was retained. On Friday XX/XX/XXXX my  account was debited in the amount of {$23.00}. I immediately contact Experian billing and was informed my account was indeed cancelled however the charge was pending and there was no way to stop it. He then transferred me to a woman who was quite rude and combative in her tone. She went on to explain the even though I cancelled the free trial and removed my debit card information, the system had already begun processing it and there would be no way to stop it. I told her I wanted them to refund the amount back to my account. She told me to contact my bank, when I told her I was not going to contact my bank because the dispute process was over 30 days she stated she would process the refund and I should see it in my account within three days. I then inquired about any fees I would incur from my bank when other payments that were authorized would be declined. She stated there is nothing they can do about those fees and to contact my bank, when I told her my bank did n't make the mistake, she simply said there is nothing we can do because we are n't obligated too. At that time I became angry and disconnected the call. On Monday XX/XX/XXXX I called to confirm that the refund had been processed, the gentleman on the other end of the phone stated he could see the credit amount of {$23.00} however no refund had been processed. I am filing this complaint because the first rep should have done so without personalizing her decision not too. She should have remained professional regardless of the discussion and my anger due to her tone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Trouble during payment process

Complaint: on XX/XX/XXXX i spoke with someone in the escrow department of fifth third bank. After a long discussion i came to the conclusion that i would cancel my escrow account as i do not require one having a VA loan. the person i spoke with said i needed to send them a letter stating i wanted to be removed from escrow. I hand wrote a letter and faxed it to the number given to me by the person in the escrow department. On XX/XX/XXXX i called to find out the status of my escrow account, and be sure that they were closing it and sending me the balance. I was told by someone different that they did not have the fax, that it would be another 24-48 hours. So i called back on XX/XX/XXXX to check on the status, and was told again by someone different that they could not locate my letter and requested i email it to her specifically and she would resubmit it and it would take another 24-48 hours from the time she submitted it. 
Totally irritated now i called back and got someone else again, and she told me they found my fax, and they just opened the case. and it would be resolved by Monday the XX/XX/XXXX. and not to send the email as it would prolong the case. I called again to verify the case was resolved and my escrow was closed and the balance was sent to my house. I got someone else again, telling my they are waiting for a fax that i was told not to send and nobody is even looking for the fax what happened to it or wanting to resolve this issue. There are no contact information for the corporate office, so there is no way to contact anybody that might even consider helping resolve this issue. and every time i call back i get someone different and a new story. 
i want my escrow account closed, the balance sent to my home address and a new calculation for my mortgage without escrow and the coupon sent to my house. 
if they cant handle that I may be forced to take my mortgage elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? '' I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from XXXX.

Company response to consumer: Closed
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/XXXX I received a late notice from Chase XXXX, I called them because I thought I had a XXXX balance on it and havent ' used the card in months. I found out that they charged me a {$85.00} annual fee and this was what the balance was. So I call them to cancel the card because I never paid a fee when I got the card and did n't want a fee related card. They said they would remove the annual fee and I said I wanted them to reverse the late mark on my credit report since I 've never had this before. They said they couldnt ' do that. I asked for the card to be cancelled and to send me a final statment with my point balance. I got the statment 31 days later and I opened it the next day and saw that I had XXXX points or About {$210.00} worth. I called them to issue a check and they said they could n't do that because it was n't redeemed within 30 days and I called on day 32. I told them this was outright stealing and any unused points should automatically be issued upon closing the account. They said they would get back with me and so far I 've heard nothing. I texted them on their site and still no response. Horrible customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Settlement process and costs

Complaint: I have been trying to refinance my home with Citibank/Citimortgage ( also my current lender for the present mortgage ) for 6 months. On Monday, XX/XX/XXXX, I received a closing disclosure showing terms, closing costs, and cash out to me. I signed acceptance and returned the disclosure to the company. Closing was scheduled for XX/XX/XXXX at XXXX at my residence. Upon arrival, the freelance notary Citi sent to conduct the closing had a different document than the one I agreed to on XX/XX/XXXX, despite the cover letter for the disclosure saying, exactly " This will be the same document you will receive during the loan closing. '' The actual closing doc showed closing costs $ XXXX+ higher than the disclosure, and my cash out $ XXXX+ lower. Citi knows I am on a tight time schedule and has taken this refinance down to almost the very last days ( I must release my ex-husband from the loan no later than XXXX/XXXX/16 ). I signed at closing so as not to delay the loan and risk falling out of our legally determined arrangement, but I both called and emailed Citi today requesting explanation and received no response. My Citi representative knew that cash out was important to me in order to make needed repairs on the property.

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 09/23/2016 about Debt collection (Mortgage) with Collins & Hilton Asset Group, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid off a mortgage debt via settlement as paid in full. Another debt collector is trying to collect on that same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (OR).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, 2017 efforts were put underway to begin a loss mitigation option for the U.S. Bank loan # XXXX with the property owners, XXXX and XXXX XXXX. As their listing agent was asked to begin communications directly with US Bank on XX/XX/2017 after the property owner had been in contact with an XXXX XXXX at US Bank since that XX/XX/2017 date. US Bank was, at that time, willing to look at a loss mitigation option of a short sale. See attached email thread showing that conversation. An offer that exceeded the appraisal value that US Bank had shared with the property owner of {$25000.00} was submitted to US Bank on Thursday, XXXX XXXX, 2017. At that time XXXX XXXX was out of the office and one of her co-workers, a XXXX, was handling her files. The offer was seen in the US Bank system on XX/XX/2017 but was not yet being processed. We followed up with a call on XX/XX/2017 to check on the progress of the offer after XXXX XXXX had returned. On that date I initially spoke with a XXXX who curtly informed me that the loss mitigation options were being denied for an undisclosed reason and that a subpoena from a court would be required to get the reason why this was happening to be disclosed. I immediately emailed XXXX XXXX and she returned my email with the following statement : " Good afternoon, She was correct, at this time we are unable to extend loss mitigation options including modification or liquidation options on the account. This decision was not a result of the underwriting/negotiations review which would not fall under the acts you mentioned. This was a result from an internal bank audit and a subpoena would be required to obtain the bank confidential information that lead to this outcome. Because of the audit, we were unable to proceed with the review and the file is being processed for denial. The borrower would need to obtain funds to provide a full payoff in order to release the lien and avoid further foreclosure action. '' XXXX XXXX Relationship Manager | Default Counseling | Mortgage Servicing p. XXXX ext XXXX | XXXX XXXX | XXXXXXXXXXXX | Hours : Monday-Friday XXXX-XXXX EST U.S. Bank XXXX | www.usbank.com There is, we believe, a requirement for any lending institution foreclosing on a property to disclose any reason or cause as to why the loss mitigation option being processed was denied. US Bank is refusing to disclose that reason unless ordered to by a court. That 's not right.

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 08-10-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Using a debit or ATM card

Complaint: I had an account with Citizens Bank. I contacted the bank about suspected fraud in 2012 and until this day I am still unable to open another account. When I call to speak with someone on the matter I get XXXX response so I do not know what steps should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This XXXX party collection agency is trying to collect on a 20 year old debt, I believe the original balance was XXXX, witch was written off by the original creditor. The XXXX party.collection agency is now trying to bully me for XXXX by calling and continuing to contact me after being put on notice verbally and by mail. I spoke to a gentleman who claimed to be the manager who got on the phone and began to try and bully me over the phone he told me the only thing he wanted to know from me was how I was going to pay the bill. He said he did n't care how old the debt was or what I was saying just needed me to pay. Told him yet again not to contact me in any way he began to laugh at me told him I was going to record call he hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: CitiFinancial in XXXX locked me into a morage loan that I have been paying on for XXXX years and the Balence has not decreased and being XXXX yrs old i feel this company has taken advantage of me by locking me in a loan that I will not ever beable to repay, this loan is hard for me to pay at {$990.00} a month living on a fixed income, Also in XXXX it shows on my statements that the company filed on an insurance policy that was on the loan and the account was paid to a XXXX balance, the company still took payments from my bank acct. So from what i am reading it the statment they are getting paid twice for the loan and in the process putting me in the street.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Application, originator, mortgage broker

Complaint: This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. 
The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. 
The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. 
One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. 
The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. 
This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. 
Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. 
By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan was transferred to MOHELA for servicing several years ago. My balance at the time was around {$81000.00}. I am entering my 12th year of repayment and I still owe {$81000.00}. I have been paying {$250.00} per month for over ten years. When I call MOHELA, they tell me that they only keep two years of records. They say that I have additional accrued interest due to a forbearance we took when my husband had XXXX. My loan was in graduated repayment for thirty years, but their site says my loan wo n't be paid off until I am XXXX, almost 30 more years, so they have changed it to 40 years without notifying me. I can get no information from them on what amount is applied to principal, what they original balance was when the loan was transferred to them, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Helvey & Associates (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I acquired a Macy 's card in XX/XX/XXXX of XXXX, in XX/XX/XXXX XXXX I joined the XXXX XXXX and I 'm currently serving at XXXX XXXX NY. As a member of the XXXX my interest rate on my card should be 6 % or less, because of the ( SCRA ) Service Member Civil Relief Act, but it 's currently 24 %. In XX/XX/XXXX of XXXX I contacted Macy 's explaining the matter to them and send all the necessary paper work showing that I was in the XXXX for the past XXXX years. Since then I contacted Macy 's, and was given the run around, even to have the phone hung up XXXX of the times I called. Finally, they told me that it will take XXXX billing cycles to fix the matter, up until now, nothing have happen, no phone calls like they said or even a letter in the mail. I 'm financially struggling and need help in fixing this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I couldnt afford to immediately repay my student loan payments due to being laid off at my job right after i stopped attending colllege. On top of my financial harship I was dealing with the XXXX of my father which also caused a loss of income in our household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form.

XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit 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