milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: When I saw my billing statement, I was startled! My payment due was XXXX/XXXX/2017. The statement said my payment was paid on XXXX/XXXX/2017. On XXXX/XXXX/17 a late fee of {$39.00} was assessed.
The payment due date fluctuates by a few days with this credit card. I originally had my payments set up on auto bill pay. When this happened before I called and spoke with them to see why my payment had tripled. I was told that I needed to set my account up with auto pay through their auto billing. They mailed me the paperwork to fill out and I sent it back so that my payments would come out automatically. Once again I was charged a late fee and my payment went up.

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 03/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: Chase suddenly charged us a {$20.00} service fee for our checking account. We have had this checking account for 10 years. When called and questioned, a Chase representative finally advised that we will be charged a service charge since we paid off our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with WELLS FARGO & COMPANY (AE).
Issue: Other

Complaint: I am XXXX and own a home in SC. My XXXX company offers a interest free financing through Wells Fargo for a major repair I need. Wells Fargo does not recognize the XXXX as a " valid address '', thus precluding my application solely based upon my military service. This seems unfair to deny me equal access to credit because of my assignment on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX / XXXX /  XXXX   {$680.00} I did not sign, nor did I authorize this charge, I have disputed this charge, and submitted complaints, however,  chase  has simply ignored the facts that this charge was not signed for by me, nor authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My name is XXXX XXXX and I went to the university XXXX XXXXIn XXXX oklahoma. I have graduated and now my father ca n't be release from my loan due to forebearance. I have made all of my payments on time and believe it is unfair to keep my father on my loan and debt. Please address this issue so he can be removed from my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've contacted company on several occassions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Last week I was contacted by a debt collection agency by the name of  Halsted Financial Services, LLC  and told that they had a debt of {$150.00} that I owed   XXXX   XXXX   XXXX  . I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I owed   XXXX   XXXX   XXXX   anything and they told me that the email was all they had. I have been called upwards of  20  times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If   XXXX   XXXX   contacts me with proof of the debt then I will pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage serviced by Green Tree servicing ( now Ditech ). They failed to perform an escrow assessment for 2014 which is required by law. I am now receiving demands for payment along with my mortgage that is XXXX % higher than normal. my mortgage payment went from {$1300.00} to {$1800.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not have nor have I ever had an American Express card account but they annually request my credit without my consent. This was off my report : ( see below ). 

Show less Account name AMERICAN EXPRESS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient employee told me on the phone I could do the XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) at the same time without issue. I asked TWICE if there was anything that was going to make me not eligible. The employee said everything looked great and I was on track. Once Navient transferred my loan to XXXX XXXX to complete the XXXX just after XXXX was approved. XXXX XXXX said that I had to start over on the XXXX because I had already been awarded the XXXX. I am only XXXX payments into the XXXX when I was closer to XXXX before. Now, when I finally meet the XXXX payments, I will be almost paid off anyway ( about 6 months away ). This information about XXXX and XXXX is a little better explained NOW but a couple years ago when this happened it was not. I even talked with financial aid counseling and no one caught it until it was too late. The employee at Navient was not honest and I am literally PAYING for it. Anytime I try to write a letter to XXXX XXXX, they ignore my complaint and only say that I have to continue paying my loan to be eligible for the XXXX. The XXXX is not helpful to most XXXX anymore because the cost of college has gone up significantly. It should be either removed or allowed to be done with XXXX. Why not? If it 's going to be forgiven anyway, why ca n't it be done at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus, Inc. has failed to remit my {$1500.00} escrow reimbursement within the 30 day post loan payoff period required by law. This is my second filing of a complaint against Seterus with the CFPB as your records will show that I have had other problems with this incredibly inept company. I paid the loan off on XX/XX/XXXX and have not received my check and it is now XX/XX/XXXX and I have had several phone calls with Seterus trying to get my money. They claimed they mailed a check on XX/XX/XXXX but I do not believe them as I have not received a check.Seterus should be fined and penalized for its incompetence and law breaking. XXXX should be alerted to its misconduct and should cancel its servicing agreement with Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per XXXX law where the loan was taken out and over the 5 years per XXXX law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I purchased a XXXX XXXX XXXX 2013 from XXXX XXXX dealership in XXXX ga little did I know they changed the agreement i.e. Or capital one because in the agreement it read 25 % interest as I was paying on time payments if XXXX a month I received a call about verifying my down payment and trade yes I gave them a trade a XXXX older model worth XXXX or more the XXXX was XXXX after there fees it went up XXXX or less paid it down to XXXX told them to pick it up the recalls on it got worse wind shield and sensor problems with engine light not going off ca n't get inspections!! It was a volunteer repo not a repossessed they got it listed as such incorrectly on my credit file and refuse to fix that part as well nor refinance or reduce the interest rate before I volunteered said come get it

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I bought an investment property in XXXX 2015. My original mortgage was serviced by XXXX XXXX. The house I bought was appraised at {$200000.00}, but the seller agreed to sell for {$200000.00}. I paid XXXX % of the purchase price and XXXX % was paid by lender. An Escrow should have been needed in this situation, however, I agreed to open an escrow to impound taxes and Insurance with the understanding that when I make 12 consecutive payments the escrow will be removed. The mortgage servicer transferred the loan to Freedom mortgage on XX/XX/XXXX, which was couple weeks after I made my 12th payment. The new services refuses to remove escrow and have cited incorrect reasons for not removing the escrow. ( attached is the letter denying my request to remove escrow ).

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 01-05-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind XXXX payment XX/XX/XXXX, I applied for a home mod XX/XX/XXXX With XXXX XXXX XXXX XXXX XXXX XXXX sold the loan after we applied. We had to reapply again. XX/XX/XXXX the home mod was agreed upon. Then it was overturn by XXXX XXXX. I continue making my payments. My payment was rejected XX/XX/XXXX saying I had an escrow account. They told me I needed to pay XXXX. They would bring the account current. I sent the payment. I called to see why the account still had a problem they needed additional payment of XXXX. They miss applied the payment and increase the monthly payment. 
I called trying to clear up the account each month it became more and more. So I paid an additional {$1000.00} for six months. I sent correspondence explaining that the property taxes they were collecting was incorrect. I was not able to get anyone to help me. XX/XX/XXXX I sent proof to their department call XXXX and cc the letter to Escrow. 
XX/XX/XXXX I received a letter XX/XX/XXXX. Escrow had a shortage of XXXX and my payment was XXXX. 
I received another letter XX/XX/XXXX escrow bal. of XXXX. I received the 3rd letter XX/XX/XXXX. My XX/XX/XXXX payment is now XXXX I am exhausted, I cant get Seterus to correct this problem. I need some help. 
XXXX XXXX. 
XXXX.. 

Please if you can help me I really do not want to go another year of this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Medical debt) with Advanced Collection Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Advanced collection was notified in XX/XX/XXXX that they were in violation of Fla Stat 559.715 ( FCCPA ) of the Fla sunshine law. Collector states they " supposedly '' sent assignment letter although they have no proof they ever sent said letter. 
Collector was advised that they had violated my rights by listing the " alleged debt '' on my XXXX n XXXX credit reports. Collector was further advised that said " alleged debt '' was beyond the 4 year statute of limitations to collect on a debt and furthermore collector has exercised no due diligence in attempting to get said assignment letter to myself prior to listing debt. 
Collector did try mailing myself something after being advised not to contact myself on said alleged debt on my second contact. 
Furthermore, whomever has my file violated both XXXX XXXX FDCPA law by uttering the statement " well if you ever feel like paying the doctor let me know. '' This is a harrassing statement as well as derogatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with Metro Collection Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My account was sold to Nation Star Mortgage. My home equity loan was then given to XXXX XXXX. XXXX and Nation Star Mortgage are the same company. I setup and paid XXXX XXXX. Nation Star Mortgage has refused to update and change my credit report insisting the account is a charge off. This is not true. I settled with XXXX a company owned by Nation Star for less then the full amount and the account is not a charge off and has been settled for less then the full amount. It should be noted that in the event the consumer works with XXXX XXXX a company owned by Nation Star that Nation Star must then report accurate and not misleading information to the credit bureaus. Please see enclosed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Rewards

Complaint: When I first got my credit card I was told that if I spent a certain amount of money that I would receive air miles, but I never received them. I called the credit card company 7 months after opening the account and spending the certain amount of money ( within 90 days ) so that I could ask how much it would be every month to pay off my balance within the next 9-12 months. The credit card company referred me to their approved credit counseling services, which I still have to call but I am not wanting to after this experience. As soon as I asked the representative about my miles she looked into my account and told me that I had to contact XXXX. She kept me on hold and then transferred me where I waited on hold yet again for probably 15-20 minutes. Upon reaching XXXX I was told by the representative at XXXX that Barclay had to upload the miles in order for me to use them? It did not make sense because the Barclay representative told me that XXXX had to load them. I again waited on hold for 20-25 minutes and talking to the XXXX robot entering my sensitive information while the XXXX rep was on three way with me. Upon reaching Barclay I was informed by the second representative that a case had been filed. The frontier rep asked Barclay how long it would take to upload the miles and the Barclay rep said it would be uploaded after two billing cycles? Funny how they do n't tell you to call to get your miles uploaded and yet they also play this transfer of calls with their customers. The Barclay rep could have told me the info on the first call. I 'm paying this card off, using my miles and not using this card again.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XX/XX/XXXX without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I refinanced my home loan with Wells Fargo ; unbeknownst to me this was in fact a predatory loan. I made payments to this loan all the time while my principle balance was increasing. As my minimum payment increased due to the adjustable rate I could no longer afford a payment of {$2400.00}. In the fall of XX/XX/XXXXI was approved for a HAMP modification in which I made all 3 of my trial payments but according to Wells Fargo I did n't send back the proper " signed '' paperwork within a given time period therefore they denied me this loan. I waited a few months then applied for a modification in XX/XX/XXXX, I was approved for a modification of my home mortgage and completed one trial payment in XX/XX/XXXXbut on XX/XX/XXXX I was injured on my job and have become XXXX XXXX. I reached out to Wells Fargo to ask them to postpone my trial payments until my workers compensation lawyers could straighten out my financial situation with the insurance company but they denied me and in XX/XX/XXXX they then denied me the modification loan. Wells Fargo proceeded with a foreclosure of my home in XX/XX/XXXX, I had filed for bankruptcy in XX/XX/XXXX and by XX/XX/XXXX my workers compensation lawyers have been able to get an appeal on my compensation claim and I am now in a stable financial condition to apply for a modification to show and prove income with less debit ratio but Wells Fargo is denying me any application to apply for a loan modification.

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 08/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX account was closed in XXXX of 2016. XXXX XXXX XXXX claimed that I owed {$170.00} for equipment that was not returned. I still had the equipment in question but XXXX XXXX XXXX sent the return box to my old address. I finally resolved this after many hours of wasted time and they sent the return box to my correct new address, after which I returned the equipment the next day. I kept the USPS tracking documents to prove that it was returned. XXXX XXXX XXXX finally admitted their mistake and removed the balance of my account. The XXXX XXXX XXXX representative reversed the amount and my account statement from XXXX XXXX XXXX shows that I owe them {$0.00}. A credit reporting agency called Diversified Consultants Inc. has been sending me multiple collection letters and harassing me with multiple phone calls during the day and night in an attempt to collect the debt in question that was cleared by XXXX XXXX XXXX. I sent a debt verification letter to Diversified Consultants to let them know I was disputing their claim that the debt was stilled owed. They sent me the attached file with the claim that I still owed this debt, even though the attachment that they included shows an amount owed = {$0.00}. This company is incompetent or dishonest since by their own proof, they are trying to collect an amount that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THESE ARENT MINE I DONT RECOGNIZE THOSE I MOVED FROM THAT RESIDENCE IN 2012

Company response to consumer: Closed with explanation